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Nationwide asking to confirm identity 6 years later!?
Comments
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Ergates said:nottsphil said:Nasqueron said:blomft said:I've had this happen recently too, I can understand the reason for ID checks etc periodically, But they were asking for many personal Details, where do I work, when I started work there, how much do I earn etc etc.
I can't see any reason why they should want or need this information unless they want to sell me things.
If it is a new legal requirement, then why aren't other banks asking for this detailed information?
I have about £4000 of funds going into regular savings with organisations who have no idea about my income.
The origin of the money is never queried and nor would I expect it to be, because they are cleared funds from other organizations.4 -
boingy said:Ergates said:nottsphil said:Nasqueron said:blomft said:I've had this happen recently too, I can understand the reason for ID checks etc periodically, But they were asking for many personal Details, where do I work, when I started work there, how much do I earn etc etc.
I can't see any reason why they should want or need this information unless they want to sell me things.
If it is a new legal requirement, then why aren't other banks asking for this detailed information?
I have about £4000 of funds going into regular savings with organisations who have no idea about my income.
The origin of the money is never queried and nor would I expect it to be, because they are cleared funds from other organizations.
Exactly who is it, do you think, that has put in place the requirements for confirming where money has come from and where it's going to? Do you *honestly* think that all the banks just got together one day and agreed "Hey, lets all put in place a vast amount of hugely expensive processes just to !!!!!! our customers. Come on, it'll be funny" ?
Or do you, perhaps, think that maybe it was the government who gets to decide things like that?
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nottsphil said:Nasqueron said:blomft said:I've had this happen recently too, I can understand the reason for ID checks etc periodically, But they were asking for many personal Details, where do I work, when I started work there, how much do I earn etc etc.
I can't see any reason why they should want or need this information unless they want to sell me things.
If it is a new legal requirement, then why aren't other banks asking for this detailed information?
I have about £4000 of funds going into regular savings with organisations who have no idea about my income.
The origin of the money is never queried and nor would I expect it to be, because they are cleared funds from other organizations.Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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boingy said:Ergates said:nottsphil said:Nasqueron said:blomft said:I've had this happen recently too, I can understand the reason for ID checks etc periodically, But they were asking for many personal Details, where do I work, when I started work there, how much do I earn etc etc.
I can't see any reason why they should want or need this information unless they want to sell me things.
If it is a new legal requirement, then why aren't other banks asking for this detailed information?
I have about £4000 of funds going into regular savings with organisations who have no idea about my income.
The origin of the money is never queried and nor would I expect it to be, because they are cleared funds from other organizations.Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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I know someone in his 60' who's had his Nationwide account for years, then out of nowhere, he gets a letter asking him to show them proof of his ID within 35 days, it then goes on to say that if they've not had them by 60 days, then his account will be CLOSED and put into a HOLDING account until he can provide them with the required identity docs. Unfortunately he has none of the usual, passport or driving licence, and moved home to live with his sick Mother to look after her, so unfortunately he doesn't have any utility bills in his name either! He can't be the only one who would be put in this position surely? So now he's got just the one identity document (if they accept it!) which is from his bank, showing his address, dated within the last 3 months, so this is the actual letter from them!
The other ID they require is a photo ID which he doesn't have, so what are they going to do? rob him of his money, which is paid in from the DLA, by closing his account and putting his money into a 'holding account' until he can provide ID? This is infuriating when he's to prove who he is, when there's plenty of people in the country without any legal status. The bank letter actually states that they are asking for this information for them to be compliant? so compliant with who, this Government?
I've tried to apply for a driving licence for him but after full completion, it says the paperwork will be posted out, and once the identity documents requested are submitted for this, then the driving licence will not be dispatched! What a farse! He could totally do without the extra worry and hassle of top of providing palliative care to his mother! Rant over!
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Joolsrules07 said:I know someone in his 60' who's had his Nationwide account for years, then out of nowhere, he gets a letter asking him to show them proof of his ID within 35 days, it then goes on to say that if they've not had them by 60 days, then his account will be CLOSED and put into a HOLDING account until he can provide them with the required identity docs. Unfortunately he has none of the usual, passport or driving licence, and moved home to live with his sick Mother to look after her, so unfortunately he doesn't have any utility bills in his name either! He can't be the only one who would be put in this position surely? So now he's got just the one identity document (if they accept it!) which is from his bank, showing his address, dated within the last 3 months, so this is the actual letter from them!
The other ID they require is a photo ID which he doesn't have, so what are they going to do? rob him of his money, which is paid in from the DLA, by closing his account and putting his money into a 'holding account' until he can provide ID? This is infuriating when he's to prove who he is, when there's plenty of people in the country without any legal status. The bank letter actually states that they are asking for this information for them to be compliant? so compliant with who, this Government?Joolsrules07 said:I've tried to apply for a driving licence for him but after full completion, it says the paperwork will be posted out, and once the identity documents requested are submitted for this, then the driving licence will not be dispatched! What a farse! He could totally do without the extra worry and hassle of top of providing palliative care to his mother! Rant over!
Just to be clear, this is down to government legislation and regulation, the bank has no choice. We also have to have stringent procedures in place when people are obtaining official government ID for obvious reasons. Whilst I believe you that his situation with his mother is legitimate if all one required was a sob story to allow one to bypass the KYC and fraud regulations then that would make the entire process meaningless. It is part of the problem caused by a lack of national ID cards, but too many people seem opposed to them.
I would strongly advise anyone to make sure they keep a current passport and driving license for ID purposes.2 -
Joolsrules07 said:I know someone in his 60' who's had his Nationwide account for years, then out of nowhere, he gets a letter asking him to show them proof of his ID within 35 days, it then goes on to say that if they've not had them by 60 days, then his account will be CLOSED and put into a HOLDING account until he can provide them with the required identity docs. Unfortunately he has none of the usual, passport or driving licence, and moved home to live with his sick Mother to look after her, so unfortunately he doesn't have any utility bills in his name either! He can't be the only one who would be put in this position surely? So now he's got just the one identity document (if they accept it!) which is from his bank, showing his address, dated within the last 3 months, so this is the actual letter from them!
The other ID they require is a photo ID which he doesn't have, so what are they going to do? rob him of his money, which is paid in from the DLA, by closing his account and putting his money into a 'holding account' until he can provide ID? This is infuriating when he's to prove who he is, when there's plenty of people in the country without any legal status. The bank letter actually states that they are asking for this information for them to be compliant? so compliant with who, this Government?
I've tried to apply for a driving licence for him but after full completion, it says the paperwork will be posted out, and once the identity documents requested are submitted for this, then the driving licence will not be dispatched! What a farse! He could totally do without the extra worry and hassle of top of providing palliative care to his mother! Rant over!
Which is what you're saying your friend hasn't got. What your friend needs is photo ID - which should be easy to get, either a passport or a driving licence, even if he doesn't drive. Your comment that a driving licence won't be dispatched once applied for makes no sense - have you mistyped that part?2 -
Joolsrules07 said:so compliant with who, this Government?1
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boingy said:
You can do what you like with it so long as it's legal.
Rules are not set by the banks the FCA & government set them. Banks just have to follow them or get fined.
If you do not like it, then keep it under the mattress.
Even staff who work in these banks have to comply with the KYC rules, & have to prove ID etc...Life in the slow lane2 -
pochisoldi said:Look at this from a different angle.
Some random person purporting to be you has been trying to deal with the mortgage and/or the property.
Nationwide have been alerted.
Nationwide want you (as the person who lives in the property) to prove who you are, so that they know that they are dealing with the right person.
Nationwide now know who to deal with.
If you prove your identity now, that fraudsters attempt to impersonate you, and sell the property from under your feet whilst clearing the mortgage gets defeated.
I suggest that after satisfying the Nationwide, you visit the Land Registry website and setup an email alert on your property - costs nothing and you get an email every year confirming what is setup if nothing happens.
I've got alerts on my close family's properties as well as my own - this meant that I could tell my Mum that her house sale was about to complete before she even got a phone call from the solicitor.
PochiSoldi
http://gov.uk/protect-land-property-from-fraud
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