Nationwide asking to confirm identity 6 years later!?

Hi,

Nationwide has been sending us letters of late asking to verify our id or our mortgage account will be restricted. This is after being a customer with them for over 6 years and two different mortgages. Both times we got the mortgages all the relevant paperwork and documents were sent to them.
I raised a complaint with them, their response was that they need to see the proof of id, end of. Even though on the phone they confirmed they received all the relevant documents when we made the application and they kept denying that they have lost records or had a data breaches.

Anyone else here had a similar request from a bank? is it normal?

Thanks.

Robi
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Comments

  • prettyandfluffy
    prettyandfluffy Posts: 643
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    edited 30 January at 11:59AM
    They are not saying that they weren't given them or have lost them, it is a periodic thing that banks etc have to do.  You need to comply or, as they have said, there may be restrictions imposed on your account.
  • eskbanker
    eskbanker Posts: 29,906
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    Yes, it's quite normal, ID verification requirements are generally becoming more onerous and it's far from uncommon for banks to tighten their policies and seek documentation that wasn't requested when first opening accounts.
  • born_again
    born_again Posts: 13,652
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    Know your customer.
    Comply or be prepared to lose your accounts.

    Despite working for a bank, many of us had to provide id, some who had been working there over 20 years or your accounts would be restricted & then closed if you did not comply.
    Life in the slow lane
  • BoGoF
    BoGoF Posts: 6,778
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    Why do people bother with pointless complaints over a perfectly reasonable request? If you had asked the Q here before your complaint you would have saved yourself and someone at the Nationwide time and effort.
  • BoGoF said:
    Why do people bother with pointless complaints over a perfectly reasonable request? If you had asked the Q here before your complaint you would have saved yourself and someone at the Nationwide time and effort.
    Because not everyone hangs around here familiarising themselves with current procedures, that have become necessary due to criminal elements making life more tedious for the vast majority of law abiding account holders.
  • Lions_89
    Lions_89 Posts: 151
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    I recently opened a couple of accounts at nationwide. I had to undergo multiple ID checks again and again before they would Open the account.
  • boingy
    boingy Posts: 1,164
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    edited 31 January at 6:21AM
    robildn said:
    Hi,

    Nationwide has been sending us letters of late asking to verify our id or our mortgage account will be restricted. This is after being a customer with them for over 6 years and two different mortgages. Both times we got the mortgages all the relevant paperwork and documents were sent to them.
    I raised a complaint with them, their response was that they need to see the proof of id, end of. Even though on the phone they confirmed they received all the relevant documents when we made the application and they kept denying that they have lost records or had a data breaches.

    Anyone else here had a similar request from a bank? is it normal?

    Thanks.

    Robi
    It is a bit ridiculous but you have no real choice other than to comply. I do wonder in what way they could restrict your mortgage account though. I assume you just DD or SO the payments to it every month.

    A couple of years ago I tried to close an old building society savings account that had about £50 in it. The original BS had been consumed by a bigger one and they refused my request because they could not verify my signature. After a bit of arguing they got me to download a special form where I could submit my signature. It basically said "I confirm that this is my signature" - no witness or formal ID process or anything. So I signed that and posted it back and they closed the account and I was left thinking that the extra form had not added one iota of security or verification to the process because a fraudster would have done exactly the same thing. 
  • friolento
    friolento Posts: 864
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    Whilst I don't see the problem with providing the requested ID, I wonder what restricting your mortgage account would look like.
  • xylophone
    xylophone Posts: 43,863
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    I wonder what restricting your mortgage account would look like.

    Prevent his making repayments so that there would be default and repossession.....? >:)
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