Nationwide credit card and flexaccount question

JenIttels

Anyone ever not had the ID to open these?

For the credit card I need a back statement or similar to prove my ID and then a utility bill or similar to prove my address.

I don't have ANY utility bills in my name at either my current address (my boyfriend's flat where i've been for less than 3 months so everything is in his name) or my last address (it was a room in a rented house).

I'm going to get round to calling them and trying to figure out what other ID I could use but any help or experience would be appreciated.

KTF

Do you have any bills with your name on it like a mobile bill for example?

grumbler

They don't accept mobile bills. They accept the following documents as proof of address:

Gas or Electricity bill (less than 3 months old)
Telephone bill (not mobile) (less than 3 months old)
Mortgage statement (less than 12 months old)
Water bill (less than 12 months old)
Council tax bill (less than 12 months old)

See: Banking: Proof of identity check

P.S. Ask your BF to change one of the bills to your name or to joint names.

Chadsman

A current account or credit card statement or notice of tax coding should also be ok.

Rafter

To comply with money laundering regulations, Banks have to have something that confirms both your identity (usually passport, driving license or birth certificate) and something recent that confirms your current address.

A bank statement should do it, or alternatively get one of the bills changed to joint names as suggested.

R.

johnmoney05

when I applied the credit card on the internet...no ID whatever required...
then applied flexcurrent account on the internet after two months...same....strange?

Chadsman

They probably checked your ID electronically by searching the electoral roll.

JenIttels

Thanks all.

I spoke to the bank this morning (to an actual branch and everything rather than a call centre) and they've said I can use a bank statement as proof of address as long as I use another form of ID to verify my name.

I'm going to do it at the branch to make it easier.

intalex

hmm, i sent in my ID yesterday (applied online). the only ID i had with me was my bank statement. this was photocopied and certified by my local branch. the bank statement is listed as a suitable ID for confirming my name, but since it also has my address on it, i figured it could serve as a 2-in-1 ID. the problem is that i haven't got any utility bills in my name either. just waiting to see if it'll suffice or not.

Paul_Herring

intalex wrote:

i figured it could serve as a 2-in-1 ID.

Good luck with that. I've yet to see any requirements list that allows a single document to suffice as both Proof of Identity and Proof of Address. (Not that the institutions aren't allowed to do this - they merely have to satisfy themselves that the person in front of them is the person they claim to be.)

From http://customs.hmrc.gov.uk/channelsPortalWebApp/channelsPortalWebApp.portal?_nfpb=true&_pageLabel=pageExcise_FAQs&propertyType=document&columns=1&id=HMCE_PROD_008562#P46_3831

HMRC wrote:

Identification procedures - What types of ID should I ask for to confirm the identity of my customer?

We cannot give specific guidance on what is and what isn’t acceptable as evidence of ID as the law states that it is your responsibility to satisfy yourself of your customers ID.