Trying to get a new bank account with no photo Id

lisyloo

Nummy01 said:

boingy said:

Really, just get a driving licence or a passport even if you have no intention to use either of them. It will save you grief in the future.

Needed it this week, so not really helpful.

You've said you are about to start the IVA process.
Why do you need it this week.
Can you start the process with "ID to follow" or does it insist.
If they insist they'll have to wait.
No one will put your in prison for not doing the impossible.

Nummy01

Section62 said:

Nummy01 said:

As recommended as I'm about to start the IVA process...

Who recommended an IVA?  Have you had independent advice on other ways to deal with your debts? (e.g. have you posted on the 'Bankruptcy & living with it' board on this forum)

Most of the banks try to check your ID electronically before asking for documents, although they may also want you to take a selfie with a document so they have a photo of you as well.

You also need to avoid banks in the same group as the one(s) you are currently with - for example Lloyds, Halifax and Bank of Scotland are all part of the same group, even though they trade under different names.

If you aren't with them already then maybe try Nationwide.  They seem very keen to increase the number of current account customers they have and may be less likely to reject you as not being profitable enough (I'd avoid HSBC for the opposite reason).  Nationwide also have most of their branches still open, which may be useful if you need to go to a branch to deal with the ID issue.

Good luck.

Yes I'm using payplan and the debts are with nationwide and Lloyds. Thanks for pointing out the group thing, so I'll avoid Nat West and try metro bank, as atleast it's open till 6.

Rob5342

I was going to suggest Metro Bank, they seem a bit more flexible in terms of id. 

Nummy01

Just tried to get into my council tax account, and my account is not registered anymore as they have combined councils and have changed systems, and the response time is 14 days, arrrrrgggh!

Section62

Nummy01 said:

Section62 said:

Nummy01 said:

As recommended as I'm about to start the IVA process...

Who recommended an IVA?  Have you had independent advice on other ways to deal with your debts? (e.g. have you posted on the 'Bankruptcy & living with it' board on this forum)

Most of the banks try to check your ID electronically before asking for documents, although they may also want you to take a selfie with a document so they have a photo of you as well.

You also need to avoid banks in the same group as the one(s) you are currently with - for example Lloyds, Halifax and Bank of Scotland are all part of the same group, even though they trade under different names.

If you aren't with them already then maybe try Nationwide.  They seem very keen to increase the number of current account customers they have and may be less likely to reject you as not being profitable enough (I'd avoid HSBC for the opposite reason).  Nationwide also have most of their branches still open, which may be useful if you need to go to a branch to deal with the ID issue.

Good luck.

Yes I'm using payplan and the debts are with nationwide and Lloyds. Thanks for pointing out the group thing, so I'll avoid Nat West and try metro bank, as atleast it's open till 6.

I don't know PayPlan so won't comment on them and their services, but by 'independent' I meant someone, or an organisation, that doesn't sell/provide debt management solutions.

In other words, are you sure that an IVA is the right option for you?

Section62

lisyloo said:

Nummy01 said:

boingy said:

Really, just get a driving licence or a passport even if you have no intention to use either of them. It will save you grief in the future.

Needed it this week, so not really helpful.

You've said you are about to start the IVA process.
Why do you need it this week.
Can you start the process with "ID to follow" or does it insist.
If they insist they'll have to wait.
No one will put your in prison for not doing the impossible.

I know some people who have gone down the IVA route and their providers (not PayPlan) were very pushy about getting a new bank account set up ASAP.  To me it felt like they wanted their new customer to be so busy rushing around with changing bank accounts etc that they wouldn't have time to ask whether an IVA was right for them.

Really there should be a reasonable cooling-off period, but because action over the debts might be imminent, it is easy for the urgency to become the only thing that matters.

Nummy01

To be fair payplan haven't been pushy about this at all, and getting a separate bank account from where your debts as banks are known to just take money out of the account to recover their debts. Also payplan give me 3 choices after going through my finances and debts and IVA seems the right choice for me. Also look on here and other forums they seemed to be recommend and the trust pilot score is good, so think I've done covered my bases on that front.

Martico

I don't want to be presumptious, but it's worth having a read of this thread before committing, as IVAs are notorious for being missold / suggested when not suitable: 

https://forums.moneysavingexpert.com/discussion/6447889/individual-voluntary-arrangement-iva-debt-relief-order-dro-info-advice-and-help-thread

Nummy01

Think it's off to metro bank on the way home from work, and see what they are happy with to use for ID. Thanks so far guys.

Nummy01

Just went into metro bank and still need photo ID, !!!!!!.