help needed with bank

g3nie

I am not sure if this is the correct place but i have a question.
My mother who is 80, has mislaid her debit card. she has no id such as a driving license or passport, only her bus pass with a photo on. She cannot get any money out of her account because she dosent have the official id requested and they say as its a chip and pin account she needs her bank card to do anything with her account. We tried to set her up with online banking so she could transfer some cash into another account but she needs her bank card number for that as well. She cannot open another bank account as she dosent have the id required, so we go round in circles and not getting anywhere. We have held out for over a month now hoping that she finds her debit card, which is in her home somewhere, but things are getting pretty desperate now as i cannot afford to fund her day to day living indefinately. Does anyone know how we can get around this problem?
Thanks

stevemLS

Most banks will accept multiple alternative forms of ID- pension letters, utility bills etc etc, have you specifically asked them?

~Beanie~

Can't she just report the card lost and get another one? You don't need ID to do that with most Banks, my mum is always losing hers!

Fosterdog

Surely you just report a lost card and they pop a new one in the post within a week.

I had my card swallowed when I got my pin wrong a few years ago and just phoned up, confirmed my details over the phone and a new one was sent out.

Hedgehog99

Can you find her cheque book? Account number & sort code will be on the cheques - will that help you set up the online banking for her?

SnowTiger

Hedgehog99 wrote: »

Can you find her cheque book? Account number & sort code will be on the cheques - will that help you set up the online banking for her?

Or a statment. But setting up an online access probably requires the debit card number.

I'm not sure why the OP's Mother can't simply report the card lost, which it is, and have a replacement sent.

First time poster. Makes you wonder what the real story is.

LilElvis

Report it lost and you will have a replacement in days. Advisable to do this anyway in case she has lost it outside the home.

Paully232000

I would agree, phone up the bank, or get your mum to phone should i say and be there with her when she does it.

I phoned up a few weeks ago as i had snapped my debit card and they sent me a new one within a few days. Just needed to answer a few security questions, name/address/DOB/how much was in the account and that was it.

frugal_mike

Hedgehog99 wrote: »

Can you find her cheque book? Account number & sort code will be on the cheques - will that help you set up the online banking for her?

Online banking will almost certainly require the debit card itself for anything that would involve moving money out of the account. You need to put the card in the little chip-and-ping card readers with the cryptographic content inside, enter the card pin, and do the challenge-response authentication to prove you are the account holder.

soolin

My last replacement card only took 5 days to arrive- I really can't see why OP hasn't just arranged a new one.

g3nie

SnowTiger wrote: »

Or a statment. But setting up an online access probably requires the debit card number.

I'm not sure why the OP's Mother can't simply report the card lost, which it is, and have a replacement sent.

First time poster. Makes you wonder what the real story is.

Question waS asked because mother has moved and needed to change her address, she used the bank card she had in her purse but turns out she had reported the card lost/stolen several months previously and never collected the replacement card from her branch. This replacement card had then been returned. She had forgotten she had done this. As she was known in her local branch she was able to withdraw over the counter. It is too far to travel there now she has moved. She also has some memory problems which complicates matters when dealing with other people. We did order a new card eventually, collected it from branch, waited for new pin no, when pin no arrived to authorise thi card, she has hidden the card for safety and now cannot find it. She then destroyed the pin cos she didnt have a card.
Yes we asked the bank about id, as its a new branch they want passport or driving license. She wont use a phone or go out alone, as she gets confused when dealing with strangers.
I didnt want to go into so much detail originally, i was only looking for a little help which i thought this forum was for, but as my integrity seems to be in question, i have given more detail. She cannot give poa as she has a dementia diagnosis.
Thank you to the people who have tried to help.