Don't want my debit card to arrive at my address ! What do I do ?

Super_Whiskey

chriskv wrote: »

In branch they ask for like utility bills and all that . I get all things online and !!!!!!s don't accept estatements . I have my full driving license but no passport. It's really annoying that they want 2-3 documents .

Assuming you're not tied in to a particular bank, why not go to different ones and see what ID they need? A full driving licence should be plenty.

KJSmith

colsten wrote: »

Banks will generally not require any statements/bills etc if they find you on the Electoral Register with the address you give them on your application.

Yes, correct, a match on the electoral roll would be sufficient to prove both you identity and your address. Although, to prevent wasting their time, some bank branches will insist on seeing documents before commencing an application.

colsten wrote: »

None of them will accept you without verification of your address in some way or other.

This isn't correct.

With Lloyds/Halifax/BoS (and possibly TSB), if you cannot be verified using the electoral roll then all you need is one of the following and no proof of address would be required:

• UK passport
• Passport from an eligible country
• EU/EEA National Identity Card
• Northern Ireland Voters Card
• Young Scot Card (under 18s only)

colsten wrote: »

Lloyds do not accept documents printed off the net, and I doubt the others will.
http://www.lloydsbank.com/legal/proof-of-identity.asp

Again, this isn't correct. They do accept certain documents which have been printed from the internet (including statements and utility bills).

The list which you've linked to isn't exhaustive or necessarily up to date.

chriskv

Well KJSmith you must be wrong because they rejected my utility bill printed off the internet today (Spark Energy bill). I even went online and showed it on there. It depends on the branch staff I guess.

Superscrooge

chriskv wrote: »

So basically I live in a shared house at the moment , But I really really don't trust some new tenants who has come downstairs after one of them was found opening my letter!

I want to open a bank account ,but I don't want the letters and documents to come to my home address.

I suggest speak to the bank staff, explain your difficulty regarding the new tenants and ask for advice on the best way to overcome any potential problems when opening a bank account.

EarthBoy

KJSmith wrote: »

Again, this isn't correct. They do accept certain documents which have been printed from the internet (including statements and utility bills).

The list which you've linked to isn't exhaustive or necessarily up to date.

Do you have proof that Lloyds accept statements printed off the internet, e.g. a link to a more up to date list? If not, I think people would be better relying on what Lloyds' website currently says, and has been confirmed by chriskv's experience.

colsten

The big advantage of following what Lloyds say on their website is that they need to accept the documents if they are from their published list. Saying that KJSmith said on the Internet it would be alright to use one not on the list or is specifically excluded, on the other hand is quite meaningless.

KJSmith

chriskv wrote: »

Well KJSmith you must be wrong because they rejected my utility bill printed off the internet today (Spark Energy bill). I even went online and showed it on there. It depends on the branch staff I guess.

Did they say that the reason they couldn't accept it was solely because it was printed from the internet?

EarthBoy wrote: »

Do you have proof that Lloyds accept statements printed off the internet, e.g. a link to a more up to date list? If not, I think people would be better relying on what Lloyds' website currently says, and has been confirmed by chriskv's experience.

Nothing that I would be able to disclose.
I'm an LBG employee (not in retail banking though). I suspect chriskv was wrongly informed by branch staff.

colsten

KJSmith wrote: »

I'm an LBG employee (not in retail banking though). I suspect chriskv was wrongly informed by branch staff.

If you are an LBG employee and of the view that the official Lloyds website publishes incorrect information [about a part of the business you aren't working in], what are you doing to have that corrected?

oliviarose

The best thing to do is ask for it to be delivered to your local bank branch. I worked in a bank and this is okay and if needed you can get all your mail to go there, like bank statements.

GingerBob_3

Kim_13 wrote: »

They'll take your driving licence as proof of your identity or your address, but not both. Ask HMRC for a tax coding notice to satisfy the proof of address requirement.

One might ask why not? A driving licence is so-called "primary identification" with name, address and photo. That covers everything. Yes, you might have recently moved and the address might be out of date, but it's easy to knock up a fake utility bill anyway. It's just the banks being ultra stupid, as usual.