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    • Tony5768
    • By Tony5768 10th Mar 17, 5:53 AM
    • 3Posts
    • 0Thanks
    Unable to send CHAPS payment for house purchase
    • #1
    • 10th Mar 17, 5:53 AM
    Unable to send CHAPS payment for house purchase 10th Mar 17 at 5:53 AM
    Hi everyone, first time post here but really need some advice, I'll try and give as much detail as possible.

    I recently won 250k so decided to buy a house, everything's gone through and I need to send the money to my solicitor but the issue I have is my bank (lloyds) won't let me send a chaps payment without photo ID, This wouldn't of been an issue a week ago but as I passed my driving test last Friday I don't have any ID as I've had no use for a passport for the last few years, I do however have a photocopy that I had to send off to my solicitor.
    If this wasn't enough stress lloyds have also blocked my online account for suspected fraud (as you can imagine they've done this a few times and I'm getting pretty annoyed about it, and yes, you've guessed it they also won't unblock my account without photo ID
    Does anybody have any ideas on how I can send the money to my solicitor quickly without my photo ID?
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    • BJV
    • By BJV 13th Mar 17, 4:16 PM
    • 2,255 Posts
    • 3,376 Thanks
    TBH I know what I am about to say is going to upset you but I have to say hats off to Lloyds for being so strict. Banks get a lot of flack but in this case I agree. 250,000 is a lot of money and it is good that they want to make sure that it is you who is spending it and not someone you has gained access to your computer/ online banking details.

    I know that this is a pain but it is better that you have to jump through a few hoops than some horrible person be able to commit fraud.

    As previous post said write a cheque

    P.s SevenofNine so sorry for your loss.
    Happiness, Health and Wealth in that order please!
    • Shakin Steve
    • By Shakin Steve 13th Mar 17, 4:39 PM
    • 1,398 Posts
    • 1,123 Thanks
    Shakin Steve
    Thanks Shakin Steve - but TBH our younger son died just over a year ago without a Will & no wife/children. By default, as parents, his estate landed in our lap (though thankfully he'd nominated his brother for 273K pension/service benefit). We just need to do the right thing, what we know for sure he'd have wanted, & pass the bulk of what we inherited on to his nephews (our grandsons age 7 & 8).
    Originally posted by SevenOfNine
    How very sad.
    I came into this world with nothing and I've got most of it left.
    • jonesMUFCforever
    • By jonesMUFCforever 13th Mar 17, 7:50 PM
    • 24,659 Posts
    • 11,890 Thanks
    Thanks Westie, I wasn't going to apologise as I did write "as we were informed 2 days ago". I found the info after #14 PeacefulWaters politely informed me it was all over the Lloyds website - quite right, it is.

    Pity the bank staff don't seem to know! She even said it as "20k per day spread over 5 days, & hopefully your account won't be blocked for suspicious activity"!

    Thanks JonesMUFC - I think I misled you somewhat. We're sorting out moving 100k from our Lloyds joint bank a/c into 2 separate accounts, 50k each for our 2 grandsons. 2 separate CHAPS transactions @ 30 each.

    I think I might resort to our good old fashioned cheque book.
    Originally posted by SevenOfNine
    You are right there is no need for a CHAPS transfer for kids accounts - a cheque would suffice.
    What goes around - comes around
    give lots and you will always receive lots
    • Clifford_Pope
    • By Clifford_Pope 15th Mar 17, 8:27 AM
    • 3,569 Posts
    • 3,702 Thanks
    "lloyds have also blocked my online account for suspected fraud (as you can imagine they've done this a few times and I'm getting pretty annoyed about it,"

    If they really suspect you of fraud why have they only blocked your online account?
    Why not just write a cheque and take it round to your solicitor if your account is blocked only for on-line transactions?
    • mgdavid
    • By mgdavid 15th Mar 17, 11:47 AM
    • 5,525 Posts
    • 4,823 Thanks
    I see the OP is a newbie who posted just the once 5 days ago and hasn't returned.
    The more I re-read the OP the more fantastic it all sounds.... I'll leave you to your own conclusion!
    The questions that get the best answers are the questions that give most detail....
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