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  • FIRST POST
    • azrace
    • By azrace 24th May 19, 7:14 PM
    • 3Posts
    • 1Thanks
    azrace
    MBNA certify document
    • #1
    • 24th May 19, 7:14 PM
    MBNA certify document 24th May 19 at 7:14 PM
    Hi everyone,


    I'm not sure if this is the right place to post but I'm looking for some advice.


    I have just submitted an application for an MBNA money transfer card after completing the eligibility check on MSE. Now MBNA are requesting that 3 ID documents are signed by a certified financial professional or a solicitor.



    I'm currently struggling to find anyone to sign the documents. Can the bank sign these?



    I'm also worried because I wasn't made aware by MSE or MBNA that the ID certifying procedure was so strict (I'm never had problems in the past) until after my application was sent off. Now if I can't get the documents signed in the 14days or choose note to go ahead I will have a hard check against my credit score.


    Any help would be greatly appreciated.
Page 1
    • zx81
    • By zx81 24th May 19, 7:17 PM
    • 23,850 Posts
    • 26,533 Thanks
    zx81
    • #2
    • 24th May 19, 7:17 PM
    • #2
    • 24th May 19, 7:17 PM
    Ask your bank. They may.

    It would be unreasonable to expect MSE will to go into detail on the various ID checks a lender may make.

    If you choose not to go ahead, it's only one search on your credit files.
    • azrace
    • By azrace 24th May 19, 7:20 PM
    • 3 Posts
    • 1 Thanks
    azrace
    • #3
    • 24th May 19, 7:20 PM
    • #3
    • 24th May 19, 7:20 PM
    Thank you - I just thought there was a standard to ID certifying that any "professional" could sign the documents. I didn't realise every lender was different.
    • Terry Towelling
    • By Terry Towelling 24th May 19, 7:24 PM
    • 1,983 Posts
    • 1,680 Thanks
    Terry Towelling
    • #4
    • 24th May 19, 7:24 PM
    • #4
    • 24th May 19, 7:24 PM
    You could probably get any solicitor to do it for you in 5 minutes just by walking in off the street with your documents - they would probably charge you 15 (possibly for each document but more likely for the job as a whole).

    If you can get them done for free at your bank, so much the better, but make sure to tell MBNA that you want the certified documents back when they've finished with them - you might need to use them again.
    • azrace
    • By azrace 24th May 19, 7:26 PM
    • 3 Posts
    • 1 Thanks
    azrace
    • #5
    • 24th May 19, 7:26 PM
    • #5
    • 24th May 19, 7:26 PM
    That's a great idea, I hadn't thought to ask for the documents back.


    If I don't get anywhere at the bank over the weekend I think I will call round the solicitors.


    Thank you.
    • Ben8282
    • By Ben8282 24th May 19, 7:58 PM
    • 3,600 Posts
    • 1,998 Thanks
    Ben8282
    • #6
    • 24th May 19, 7:58 PM
    • #6
    • 24th May 19, 7:58 PM
    Although in almost 40 years of using credit cards I have never encountered a request for any documents to be provided to the credit card company, I suppose there might be cases where the company is unable to verify the address or identity of the applicant by other means.
    I would suggest that, having made the application, you proceed to send in the documents as requested in case your failure to do so should cause MBNA to believe that the application was somehow fraudulent. I may be being over cautious here but I would have that concern if it was me.
    As has been said, a solicitor will do this for a small fee and usually on the spot but if possible better to get your bank to do it.
    Don't worry about a single hard search on your credit files. It's not the end of the world and in isolation will mean nothing.
    • sleepyjones
    • By sleepyjones 24th May 19, 11:04 PM
    • 4,755 Posts
    • 348,582 Thanks
    sleepyjones
    • #7
    • 24th May 19, 11:04 PM
    • #7
    • 24th May 19, 11:04 PM
    Don't really have any advice but remember it's a bank holiday on Monday if there's a time pressure to get this done.
    *Good Luck * Be Lucky * Stay Lucky*
    • Vortigern
    • By Vortigern 26th May 19, 9:01 AM
    • 2,818 Posts
    • 1,947 Thanks
    Vortigern
    • #8
    • 26th May 19, 9:01 AM
    • #8
    • 26th May 19, 9:01 AM
    You could probably get any solicitor to do it for you in 5 minutes just by walking in off the street with your documents - they would probably charge you 15 (possibly for each document but more likely for the job as a whole).
    Originally posted by Terry Towelling
    I've just had a 14-page Power of Attorney certified by a solicitor. Stamped and signed on every page. Cost 5.

    If there are a few solicitor's offices nearby, it might be worth asking each for a quote. The first place I tried wanted 20. Shop around.
    • Terry Towelling
    • By Terry Towelling 26th May 19, 3:10 PM
    • 1,983 Posts
    • 1,680 Thanks
    Terry Towelling
    • #9
    • 26th May 19, 3:10 PM
    • #9
    • 26th May 19, 3:10 PM
    I've just had a 14-page Power of Attorney certified by a solicitor. Stamped and signed on every page. Cost 5.

    If there are a few solicitors' offices nearby, it might be worth asking each for a quote. The first place I tried wanted 20. Shop around.
    Originally posted by Vortigern
    A fiver is good value.

    What I had found with getting certified copies of things is that you might have 2 documents of, say, 4 pages each (8 pages in total) and they'd want to charge you a 15 fee for each document (30) but you could have a single 14 page document (which is more work for them in total) but you'd only have to pay a single 15 fee.
    • stevenhp1987
    • By stevenhp1987 27th May 19, 12:27 PM
    • 886 Posts
    • 706 Thanks
    stevenhp1987
    Walk into a Lloyds (as they own MBNA) and get them to certify them?

    Or ask your own bank, although they may not certify anything other than their own bank statement.

    You can also pay the Post Office to do this: https://www.postoffice.co.uk/document-certification-service
    • LobsterMemory
    • By LobsterMemory 28th May 19, 7:41 AM
    • 246 Posts
    • 184 Thanks
    LobsterMemory
    Terry must have a posh solicitor or I've got the same one as Vortigern - 5 a document (however many pages)
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