The Sub Prime Credit Thread - Part IV

savagej

It has happened to me too"a photocard driving license", which was provisional was accepted as ID by both Barlcays for a current account and LTSB. I would have opened one with the RBS Group but neither Natwest or RBS will take them.

When they refer to a photocard license they mean any (unless otherwise stated). I think that is why they state "a full paper license".

This is from the Government website:

Changing images (11a and 11b)
a. This security feature is an image that changes both shape and colour depending on how you tilt the licence. On full (pink) licences it's a blue road sign changing to a black triangle, on a provisional (green) it's a red road sign changing to a black triangle.

http://www.direct.gov.uk/en/Motoring/DriverLicensing/DG_068315

Edit:

here is another Government site, the Photocard simply refers to that "the photocard", unless like in the RBS Groups case it states a "full photocard driving license".

http://www.direct.gov.uk/en/Motoring/DriverLicensing/NeedANewOrUpdatedLicence/DG_4022084

One last edit:

here is another Government site, refering to a provisional license as a "provisional driving license". I dont know where this leaves the issue with respect to AML rules, it all seem to come down to semantics, the only one to state "full photocard" is RBS.

http://www.direct.gov.uk/en/Motoring/DriverLicensing/NeedANewOrUpdatedLicence/DG_10012514

izools

never-in-doubt wrote: »

Mate I am not going to go on about this but if you are saying the banks accepted ONLY a provisional they have broken AML rules and should be punished in line with current legislation.

I still find it hard to accept that they done this mate - it is simply not allowed and the bank employee that accepted it could lose their jobs and to be honest, they know better.

Sorry, we'll have to disagree here - you do remember I work for the banks, in fraud? I deal with this daily and if I seen a provisional accepted as ID (on its own) I would flag it and have the member of staff escorted off site for srying out loud - major flaw and major breach of AML policy mate.

Sorry but that's my feelings on it. It just does not happen and unless you got a bloke serving you that liked you, there would be no other reason they'd accept a provisional other than an address additional proof of ID (i.e. with something else such as a utility bill).....

You're kinda implying those 4 banks have broken the law, be careful mate - that is Libel as things stand!

It's not libel if it's true!

Co-Operative used the Provisional as proof of ID and my Electronic ID confirmation as proof of address... or the other way around.

Barclays ask for two proofs for a full current account but one for a cash card account. Walk in to your local branch and ask for a cash card account - you'll see.

The other two banks (RBS and Lloyds) accepted it in conjunction with another paper proof; as you say it can't be used as standalone ID I wasn't disputing that!

My gif with HSBC wasn't that they wouldn't accept the provisional as both proofs, but that they wouldnt accept it as either in conjunction with two other paper proofs.

never-in-doubt

HSBC are correct not to accept it mate cos it is not a formally recognised document, ok, i'll rephrase - I can get you a provisional for £20 - what name and address you want it to show?

A full licence, they are a bit more - but still possible. However like passports, the number is linked to the GSI system to allow verification - a provisional does not allow such feature!

See where i'm coming from now? lol

Savagej - forget what the government say mate, in that respect, its up to the lender what they accept and i'm saying the banks should not accept a provisional - I work for them remember (well kind of IYSWIM) ! lol

anyway, I still say it is best not to assume they accept it, therefore go with plenty of other things that can be accepted just to be sure.....

Thats the best way forward lol :j :j

usedandabused

ah that explains why my neice couldn't buy my ciggies because she has a provisional, not a full d/l and apparently it isn't recognised id

izools

LMAO thing is HSBC didn't accept a Council Tax Bill, Credit Card Bill, working tax credit notification, or government benefit notification either. Nor a payslip.

If you don't work for the armed forces pretty much all they'll take is a Tax Code Notification, along with either a Full driving license or a Passport.

Essentially to become a HSBC customer I would not only have to wait four years (or lump with a cashcard account) but also spend £80+ on a passport and / or £1,500+ on getting a full driving license.

I think not!

never-in-doubt

usedandabused wrote: »

ah that explains why my neice couldn't buy my ciggies because she has a provisional, not a full d/l and apparently it isn't recognised id

Correct! I can make you a provisional using photoshop within an hour but the full licences are linked to the goverment gateway meaning lenders and other people you provide it to, can if they like, go into the GSI and check authenticity direct! It actually shows them the issued licence on screen, and they compare it manually with what they have in front of them!

Same applies with passports but they only see the details, not the photo as such!

izools

never-in-doubt wrote: »

Correct! I can make you a provisional using photoshop within an hour but the full licences are linked to the goverment gateway meaning lenders and other people you provide it to, can if they like, go into the GSI and check authenticity direct! It actually shows them the issued licence on screen, and they compare it manually with what they have in front of them!

Same applies with passports but they only see the details, not the photo as such!

It's interesting you mention this actually...

Here in Exeter every single supermarket, off license, bar, and club in the city accepts a provisional driving license as proof of age. They did five years ago, they did last Friday...

...But any time I've been to a "proper" city (namely Sheffield and Southampton) I've had to use my Citizencard as the Provisional isn't accepted...

...Perhaps HSBC are the exception to the rule IME, because I live in a !!!!!! part of the country where no other bank realises the difference?

I don't know. But I do know that even if I passed the underwriting checks at HSBC I wouldn't open an account if it meant having to spend an indeterminate amount of money on ID that has never been required by any other financial institution I've had dealings with in the past

savagej

never-in-doubt wrote: »

Correct! I can make you a provisional using photoshop within an hour but the full licences are linked to the goverment gateway meaning lenders and other people you provide it to, can if they like, go into the GSI and check authenticity direct! It actually shows them the issued licence on screen, and they compare it manually with what they have in front of them!

Same applies with passports but they only see the details, not the photo as such!

Does remind me of opening my account in LTSB with one, the guy spent 20 minutes on the phone to fraud (I assume) being asked questions about the cards appearance, one I remember is "does the address have UK in it", apparently that is a give away to a fake. He was not amused about the waste of his time as all he said was "all that and they took it after all".

cifpower

Went to my interview at 1pm and left at 1545 with a job! Yay!

Brian64

cifpower wrote: »

Went to my interview at 1pm and left at 1545 with a job! Yay!

congrats cif:T