No Photo ID

p00hsticks

WeeBawbee said:

Some of you seem to find this situation amusing. My driving licence has expired since I opened a Chase bank account last year and I’m no longer well enough to drive and be safe on the roads so I haven’t renewed it. I got a new iPad and can’t access the app on it without passport, driving licence or EU National ID card, none of which I have. The banks I’ve tried today, to get the best deals, need the same ID. I have a Citizen’s Card but that’s not considered. So what about people like me?

I don't find it amusing, having been in the same situation myself.

Speaking from experience, without either a driving licence or a passport you will now find yourself more and more 'digitally excluded'.

If you press them, most organisations have secondary lists of documentation that can be accepted (HMRC tax coding notices, Benefits letters from DWP, council tax bills, recent utility bills) but these will nearly all require physically taking paperwork into branches, whcih you say you are not able to do.  

I strongly recommend that you invest £82.50 (online) or £93 (paper form) in applying for or renewing a passport and keeping it up to date, even if you have no intention of travelling abroad. Some people may object to having to pay such a fee just for ID verification, but in my opinion under £10 a year is a small price to pay for the amount of hassle, stress and hair-pulling it avoids. 

p00hsticks

born_again said:

WeeBawbee said:

Some of you seem to find this situation amusing. My driving licence has expired since I opened a Chase bank account last year and I’m no longer well enough to drive and be safe on the roads so I haven’t renewed it. I got a new iPad and can’t access the app on it without passport, driving licence or EU National ID card, none of which I have. The banks I’ve tried today, to get the best deals, need the same ID. I have a Citizen’s Card but that’s not considered. So what about people like me?

Which banks?
photo ID is usually only required if you fail the electronic checks.

But those electronic checks seem to more often than not include verification against DVLA and/or passport records. 

WeeBawbee

Just tried Triodos, same situation.

WeeBawbee

p00hsticks said:

I strongly recommend that you invest £82.50 (online) or £93 (paper form) in applying for or renewing a passport and keeping it up to date, even if you have no intention of travelling abroad. Some people may object to having to pay such a fee just for ID verification, but in my opinion under £10 a year is a small price to pay for the amount of hassle, stress and hair-pulling it avoids. 

It certainly looks like that’s what I’ll have to do! I can probably afford to do it, with a bit of juggling, but what about those who can’t? 

Thanks for the term, “digitally excluded” - that’s very useful.

Btw, I found some of the answers to the OP too off pat to be taking their situation seriously, thus my comment about there being some amusement about it.

WeeBawbee

PS What’s particularly frustrating about Chase is that I’ve been an active customer with them for over a year, yet they *still* can’t offer me an alternative way to identify myself and are instead seemingly happy to lose me as a customer.

TheBanker

WeeBawbee said:

PS What’s particularly frustrating about Chase is that I’ve been an active customer with them for over a year, yet they *still* can’t offer me an alternative way to identify myself and are instead seemingly happy to lose me as a customer.

I can understand your frustration. But at the same time they have to manage their fraud risks, and they don't have a branch network for you to go to. Relying on credit reference agency checks to prove identity is becoming less common these days as it's quite easy to work around using stolen data - and there has been a lot of personal data stolen over the last few years in various cyber breaches.

BooJewels

WeeBawbee said:

p00hsticks said:

I strongly recommend that you invest £82.50 (online) or £93 (paper form) in applying for or renewing a passport and keeping it up to date, even if you have no intention of travelling abroad. Some people may object to having to pay such a fee just for ID verification, but in my opinion under £10 a year is a small price to pay for the amount of hassle, stress and hair-pulling it avoids. 

It certainly looks like that’s what I’ll have to do! I can probably afford to do it, with a bit of juggling, but what about those who can’t? 

Thanks for the term, “digitally excluded” - that’s very useful.

Btw, I found some of the answers too off pat to be taking their situation seriously, thus my comment about there being some amusement about it.

Like @p00hsticks I had to relent and get a passport - just for ID purposes.  Firstly I was Attorney for a couple of family members, then their executors and being without photo ID was rapidly becoming administratively debilitating.  It has been significantly easier to get stuff done since I got my passport - it's like it has magical properties.   

I know it's a nuisance and an expense - and I had a problem with it on sheer principle - but it'll soon be justified, with the effort it saves you and how much easier things become.  Unfortunately it has become a necessary evil - maybe if the world wasn't as full of dishonest scumbags, it wouldn't need to be.

born_again

WeeBawbee said:

@born_again Before you tell me to do it at a branch, I live in a very rural area and am dependent on doing things online.

Not going to tell you to visit a branch. That's your choice if you want to open a account by the looks of it. 🤷‍♀️

refluxer

WeeBawbee said:

PS What’s particularly frustrating about Chase is that I’ve been an active customer with them for over a year, yet they *still* can’t offer me an alternative way to identify myself and are instead seemingly happy to lose me as a customer.

I got a new phone 6 months ago and don't remember having to provide ID again to get the app up and running on it. If you're already a customer, why are they asking for this again ?

WeeBawbee

refluxer said:

I got a new phone 6 months ago and don't remember having to provide ID again to get the app up and running on it. If you're already a customer, why are they asking for this again ?

You tell me! I tried to open the app on my phone some time last year when I was at the vet and realised I hadn’t transferred enough money to the right account and had the exact same problem. I was told you can have the app on only one device. Maybe I’ll try deleting the app from my old iPad and see if I can open it in the new one.