Proving who you are!

LindaMary

Later this year i want to open a fixed bond savings account with my building society, i have been with them for 26 years. Nowadays you have to prove who you are with one of theses ID
LIST 1

* Unexpired passport
* Unexpired UK old style driving licence (not provisional)
* Unexpired UK photocard driving licence
* EEA or Switzerland national identity card
* Firearms certificate or shotgun licence
* Northern Ireland voters card
* Notification of entitlement to state/local authority benefit*
* Notification of entitlement to tax credit*
* Notification of entitlement to pension from the DWP*
* Notification of entitlement to educational loan/grant*
* Notification of entitlement to other government/local authority grant*
* HMRC (Inland Revenue) coding/assessment/statement/tax credit *
* Birth certificate (under 18’s only)
* NHS medical card (under 18’s only)
* Adoption certificate (under 18’s only)
* Young persons PASS card (under 18's only)

I have none of these! I dont have a passport, dont drive, dont receive a pension for another 20 years, dont earn enough now to pay tax, dont receive any benefits or credits. Anyone any ideas how the hell i prove who i am?
Kind regards
Linda

cheerfulcat

Ask the counter staff. If they can't help you, telephone head office and speak to the compliance officer.

webwiz

You have been with them for 26 years and they don't know who you are?

Are you sure they will need to prove your ID for an investment with the same society?

All this bureaucratic nonsense comes from the EU in a misguided and completely ineffective attempt to control drugs & terrorists funds. You are not a drug dealer or a terrorist by any chance?

RayWolfe

So they don't have any controls in the US or Australia, for example? Methinks your prejudices are showing!
However I have great sympathy with the OP and am sure that the B/S can sort it out for her.

skid112

am a compliance officer, you need to speak with your branch, they will be able to suggest alternatives. Current bank statement, etc especially as you have been there 26 years. Madness!

dunstonh

You should have:
* HMRC (Inland Revenue) coding/assessment/statement/tax credit *

These typically get issued in February for the forthcoming tax year and get amended again after the budget changes.

LindaMary

I dont think the tax people will issue me with a statement as i dont pay tax and i am told, by somebody who works for them, that they wont do it just so somebody can use it as ID proof!

viccig

* Unexpired passport
* Unexpired UK old style driving licence (not provisional)
* Unexpired UK photocard driving licence
* EEA or Switzerland national identity card

Just a thought, for the driving licence it says not provisional, however if you have the new style photocard provisional they should accept that.

LindaMary

I dont drive and it has to be a full licence :-(

climbgirl

I'd ring the bank and ask them what they'll accept. They might make an exception and take a birth certificate or something like that. I had a similar problem when they were insisting on a utility bill in my name and I didn't have one, but we found a way around it. It's not as uncommon as you think!

Gabriel-Ernest

AML and KYC are big issues now because the global environment has changed, and it's only got more complicated with the requirements to comply with US sanctions lists for example. I work in risk in investment banking, not retail, but I'm sure skid would agree as a compliance officer. Compliance has a valuable role to play in thwarting drug-dealers and fraudsters from misusing the banking system to launder money. Financial institutions do not have a choice on whether to verify their customers; they must comply with the FSA regulations and the JMLSG Guidance Notes.

There is some leeway in the regulations for not needing to verify the identities of longstanding customers; however most financial institutions are taking the opportunity to review client files and vamp them up. The industry is looking at situations precisely like yours, and institutions should be willing to find a way to make it work for you as long as they can justify their decision to their internal auditors and the FSA. Phoning their Head Office and speaking to Compliance is an excellent suggestion.