Icici & I D

derrick

Have applied for and been accepted for the ICICI Hisave acc, with the proviso I send utility bill and certified passport/driving licence, however as this will cost money,(don't personally know any "professional" who is authorised to sign, and the nearest branch is about 40 miles away therefore still costing money to go, is there a way of opening this account any other way?

I have spoken to them on the phone but the person I spoke to said there is no other way, that is not always true.

I have opened up many account over the years via phone and web without the need for this documentation without any problems, the last one being only 4 months ago.

dunstonh

If the provider uses electronic verification of ID, then manual identification is not required (unless electronic method fails). If they dont use the electronic method then they are required do it the manual way and are correct in asking you for that information.

derrick

Yes but they did the electronic check whilst I was on the phone and said I had passed and the acc could be opened, most banks etc have the facility to do the electronic check, but then to ask for manual data is just over the top, if they want to have these extra checks so that we can finance their business, or leave it at the electronic check. with our money then they should pay for the cost of certification.

Certification = cash cow for "professionals" anything from £10-30 just to put a signature on a piece of documentation! daylight robbery!

LittleVoice

Not everyone has a driving licence or passport. What do they do then? Refuse to open an account?

masonic

derrick wrote: »

Certification = cash cow for "professionals" anything from £10-30 just to put a signature on a piece of documentation! daylight robbery!

They do accept original documents as well, you know.

derrick

masonic wrote: »

They do accept original documents as well, you know.

Like I would trust originals to Royal Mail :eek:, and sending by recorded/special delivery is still going to incur costs to the customer, when in most cases it is not required.

I was told on the phone that they don't accept originals, only certified copies, although if you sent them I can't see them refusing, its probably a security point.

masonic

derrick wrote: »

Like I would trust originals to Royal Mail :eek:, and sending by recorded/special delivery is still going to incur costs to the customer, when in most cases it is not required.

I was told on the phone that they don't accept originals, only certified copies, although if you sent them I can't see them refusing, its probably a security point.

It says in their FAQ that they accept originals. I really don't see how originals are any more of a security risk than certified copies. Both could be used in identity fraud. You'd probably still need to replace your original documents if you lost certified copies to protect yourself.

A replacement driving license costs just over £20, so you could even send it by second class post with a certificate of posting and be covered for loss by RM.

bengal-stripe

derrick wrote: »

Have applied for and been accepted for the ICICI Hisave acc, with the proviso I send utility bill and certified passport/driving licence,

I’ve opened an ICICI savings account recently, and they did not require any documents for identification purposes. What they did require, was a cheque for the opening deposit and they were very explicit in their instructions:

“Please ensure that the cheque is drawn on the below mentioned account (as nominated in your application form) and has your initials pre-printed on it.”

Obviously, the cheque itself is part of the identification process. Maybe people who cannot supply a cheque in their own name (basic bank account), are asked for further identification.

derrick

bengal-stripe wrote: »

I’ve opened an ICICI savings account recently, and they did not require any documents for identification purposes. What they did require, was a cheque for the opening deposit and they were very explicit in their instructions:

Obviously, the cheque itself is part of the identification process. Maybe people who cannot supply a cheque in their own name (basic bank account), are asked for further identification.

Yes that part was never an issue

derrick

masonic wrote: »

It says in their FAQ that they accept originals. I really don't see how originals are any more of a security risk than certified copies. Both could be used in identity fraud. You'd probably still need to replace your original documents if you lost certified copies to protect yourself.

A replacement driving license costs just over £20, so you could even send it by second class post with a certificate of posting and be covered for loss by RM.

Wasn't bothered about the security issue, more the risk to the document and the cost and inconvenience to me.

My licence is a paper one, if that gets lost it will involve me with more costs than the PO will refund,( and that is like trying to get blood out of a stone),passport photo for example.

Well not to bother, if ICICI don't want my money there are plenty who do without going OTT with the application.

DocProc

It really does help, when opening this type of bank account, to be on the Electoral Roll.

At a cost of only £3.75, you can search on it yourself for 1 hour at the following site:-

http://www.onlinesearches.info/?gclid=CNjO44rR9IwCFSgRGgodxXtODw

A recent change to the law now means that you can add your name to the register of electors (ie. be included in the Electoral Roll) at any time throughout the year.

If you do not register then you cannot exercise your democratic right to vote in any election. It is also much harder to obtain credit if you are not on the Register.

Q. How would you register on the Electoral Roll?

A. As a first stage, knowing that you probably need to do this locally, I would 'Google'. I would use the following key search words:

uk: 'Electoral Registration' Bedford (NB. Obviously, instead of 'Bedford' use your own nearest town's name. I used Bedford as their's is a particularly good explanatory site. It being the first search result obtained on the link below and so you can check it out at

http://www.google.co.uk/search?hl=en&q=uk%3A+electoral+registration+bedford&btnG=Google+Search&meta=cr%3DcountryUK%7CcountryGB

Once you've found your own local council's web site, then if you want to get yourself put on the Electoral Register, you need to be searching on the council's web site for their indicated registration arrangements on how they help you to register for their own local elections.

Doing this automatically gets you put on the national Electoral Roll.