Chase - no you can't apply because your licence is at the DVLC!

astroL

eskbanker said:

kaMelo said:

On another point why did you send your licence off? I didn't think you needed to do so for a replacement, I know I didn't anyway.

DVLA makes it clear that they expect you to send the old one back but only after receiving the new one!

https://www.gov.uk/renew-driving-licence

You must send your old photocard licence to DVLA when you get your new licence.

I am sorry but this does not apply.  As an over-75 year-old they insisted on me enclosing my original licence and new pictures. It is the 10-year renewal and they don't allow exceptions except for via the PO - which is not doing it now.

Lawrence

astroL

So finally:  I carefully read all the options and did exactly what I was told to do in the application form.  No fee mentioned but I had to send the original back, leaving me vulnerable to those seeing a 'need' to see it - such as Chase bank.  I have no other means of ID that Chase will accept. That is why I posted this thread.

Lawrence (76)

Daliah

astroL said:

So finally:  I carefully read all the options and did exactly what I was told to do in the application form.  No fee mentioned but I had to send the original back, leaving me vulnerable to those seeing a 'need' to see it - such as Chase bank.  I have no other means of ID that Chase will accept. That is why I posted this thread.

Lawrence (76)

How have you become vulnerable after you sent your DL to the DVLA?

astroL said:

I am sorry but this does not apply.  As an over-75 year-old they insisted on me enclosing my original licence and new pictures. It is the 10-year renewal and they don't allow exceptions except for via the PO - which is not doing it now.

Lawrence

You can apply for a renewal online if you are over 70. There are no additional special rules for over 75s. There is also no requirement that you must send them your DL, as clearly you could have lost your DL, and you would be entitled to apply for a replacement.

However, what is done is done. You have chosen to apply by Post and to send them your DL. You obviously can now not show your DL to anyone until you get your replacement licence. Hopefully this won't be too long.

MalMonroe

So now I'm wondering if you can actually have a Chase account if you don't have either driving licence or passport?

I have both but many people have neither. Seems a bit discriminatory, like many things these days.

And for OP, your licence will be back soon (fingers crossed) so I guess Chase will have to hold their horses. . .   

Daliah

MalMonroe said:

So now I'm wondering if you can actually have a Chase account if you don't have either driving licence or passport?

Afraid, no, you cannot.

If you look on other banks' websites, just about all banks require a Government-issued photo ID for proof of ID. Some might identify you entirely electronically but if for some reason they require you to prove your ID, you generally need a passport or photo driving licence. All the online -only current account providers, and many online savings account providers insist on seeing Government-issued photo ID.

It's not discrimination if a company, stringently regulated by the FCA/PRA, determines that they discharge their KYC obligations by using Government issued ID. You can still have banking facilities elsewhere, incl. at walk-in providers such as High Street banks, Building Societies and Credit Unions, so nobody is deprived of banking facilities.

MisterMotivated

astroL said:

I tried to apply online to join Chase bank but they insist on you having your driving licence *to hand*.  Mine is being renewed at the DVLC so I won't get it back until next century - so I can't join!  I have a picture of the licence but that is not acceptable!  No mention of this loophole in the MSE forum.

Astonishing!

Lawrence H

By the next century, money will be obsolete anyway as your consciousness will be uploaded to the cloud or stored on one of your great grandchildren's flash drives.  However, I'm confident some miracle will occur that sees your licence returned to you this century, probably this decade, perhaps even this year, at which point you can casually apply for a Chase account without the need for any amateur dramatics

phillw

MalMonroe said:

So now I'm wondering if you can actually have a Chase account if you don't have either driving licence or passport?

If only people weren't so anti the idea of id cards.

badger09

astroL said:

So finally:  I carefully read all the options and did exactly what I was told to do in the application form.  No fee mentioned but I had to send the original back, leaving me vulnerable to those seeing a 'need' to see it - such as Chase bank.  I have no other means of ID that Chase will accept. That is why I posted this thread.

Lawrence (76)

Just by way of corroboration: my husband (coincidentally 75 but that’s irrelevant) recently tried to renew his driving licence online. Application stalled part way through as a new photo was required. 

He had to apply by post using D1. This clearly states that ‘old’ licence should be enclosed with application form & this is reiterated in the checklist of enclosures. 

If course, he (& OP) could have pretended they had lost their licence, but that would be a lie and I’m sure none of the esteemed regulars would advocate lying on an official form🤔

Daliah

badger09 said:

astroL said:

So finally:  I carefully read all the options and did exactly what I was told to do in the application form.  No fee mentioned but I had to send the original back, leaving me vulnerable to those seeing a 'need' to see it - such as Chase bank.  I have no other means of ID that Chase will accept. That is why I posted this thread.

Lawrence (76)

Just by way of corroboration: my husband (coincidentally 75 but that’s irrelevant) recently tried to renew his driving licence online. Application stalled part way through as a new photo was required. 

He had to apply by post using D1. This clearly states that ‘old’ licence should be enclosed with application form & this is reiterated in the checklist of enclosures. 

If course, he (& OP) could have pretended they had lost their licence, but that would be a lie and I’m sure none of the esteemed regulars would advocate lying on an official form🤔

The discussion was about whether you have to return your DL with a renewal application. The answer to that is still no, not least because if it was mandatory, people who lost/mislaid the physical card could not obtain a replacement, which would obviously be ridiculous.

As of yet, nobody has come forward with any logical reason for why the old card needs to be returned with a postal application, or after you have received the replacement following an online application. "you should return it if you have it" isn't the same as "you must return it". Sometimes a bit of civil disobedience is in order, especially in the light of ridiculous bureaucracy, dreamt up by a jobsworth civil servant. Nobody gets harmed if you don't return your driving licence, no security issues are created if you lose your physical card, or if you cut it into pieces like would do with an old credit card.

badger09

@Daliah

I am not suggesting that it is logical for DVLA to require submission of existing licence  with postal application rather than on receipt of replacement, as with online application. Or indeed the logic of requiring return of the original at all. 

I was simply pointing out, that contrary to the info in @eskbanker’s link, and other posters’ assertions, OP was required to submit his at the time of application in his particular circumstances.