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    archived user
    Estate Agents asking for Photo ID when buying a house
    • #1
    • 14th Jun 19, 10:29 AM
    Estate Agents asking for Photo ID when buying a house 14th Jun 19 at 10:29 AM
    Hi All,
    In the process of buying a house, recently put in an offer and estate agents are asking for photo id.

    having read the previous threads on this subject, it is still unclear whether EAs asking for photo id is a miss-interpretation of the Money Laundering regulation that was updated few years ago, or this is "this is how it's done" kind of thing.

    if it is not a legal requirement on the EAs and is only done to appease the buyer, then definitely not interested, they can do it the usual way and get the solicitors involved (which have everything anyways)

    any clarification would be very much helpful, randos asking for photo id is a bit crazy town.
Page 1
    • maisie cat
    • By maisie cat 14th Jun 19, 10:42 AM
    • 765 Posts
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    maisie cat
    • #2
    • 14th Jun 19, 10:42 AM
    • #2
    • 14th Jun 19, 10:42 AM
    Estate agents are required to "know their customer" under money laundering legislation. They are hardly "randos" in the chain of a house purchase and it's not really "crazy town" You must be over 18 to buy property in this country though
    • chunkytfg
    • By chunkytfg 14th Jun 19, 10:43 AM
    • 773 Posts
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    chunkytfg
    • #3
    • 14th Jun 19, 10:43 AM
    • #3
    • 14th Jun 19, 10:43 AM
    randos asking for photo id is a bit crazy town.
    Originally posted by tndfr
    Not really a Rando though are they! Is it really such a hardship to show them your id?
    Those who risk nothing, Do nothing, achieve nothing, become nothing
    MFW #63 0/500
    • Exodi
    • By Exodi 14th Jun 19, 10:47 AM
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    Exodi
    • #4
    • 14th Jun 19, 10:47 AM
    • #4
    • 14th Jun 19, 10:47 AM
    Do you scold the randos in the crazy town supermarkets when they ask?
    Know what you don't
    • Brock_and_Roll
    • By Brock_and_Roll 14th Jun 19, 11:02 AM
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    Brock_and_Roll
    • #5
    • 14th Jun 19, 11:02 AM
    • #5
    • 14th Jun 19, 11:02 AM
    Put it another way...

    If you wanna wager 50 online on the footie, Ladbrokes will require photo id and a utility bill....

    ....so not entirely unreasonable if you wanna spend 300k on a house for an EA to require similar KYC docs!
    • csgohan4
    • By csgohan4 14th Jun 19, 11:58 AM
    • 6,491 Posts
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    csgohan4
    • #6
    • 14th Jun 19, 11:58 AM
    • #6
    • 14th Jun 19, 11:58 AM
    Could be a government conspiracy possibly. Tin foil hat off

    How do they know you are who you say you are?
    "It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"
    • Exodi
    • By Exodi 14th Jun 19, 12:02 PM
    • 850 Posts
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    Exodi
    • #7
    • 14th Jun 19, 12:02 PM
    • #7
    • 14th Jun 19, 12:02 PM
    What if the estate agents are secretly cloning people and they're going to use the OP's picture to replicate him? They could then make his clone empty all of his bank accounts and build a master-race of human clones. We wouldn't be able to tell the difference between who's real and who's a clone and there would eventually be a war.

    OP, steer clear of this Illuminati estate agent.

    Trust no-one, they might be listening.
    Know what you don't
    • M_Python
    • By M_Python 14th Jun 19, 12:08 PM
    • 101 Posts
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    M_Python
    • #8
    • 14th Jun 19, 12:08 PM
    • #8
    • 14th Jun 19, 12:08 PM
    Not sure why you're making such a big deal of it. If you want to buy the house, show them your photo ID. If you don't want to do that, then don't buy the house.

    If you've got nothing to hide, I suggest you just do what they ask rather than cause a fuss and prolong the process!
    • csgohan4
    • By csgohan4 14th Jun 19, 12:14 PM
    • 6,491 Posts
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    csgohan4
    • #9
    • 14th Jun 19, 12:14 PM
    • #9
    • 14th Jun 19, 12:14 PM
    Who knows what will happen when the solicitor, another Rando, asks for ID and worse bank account statements, the shock and horror
    "It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"
    • Albala
    • By Albala 14th Jun 19, 12:27 PM
    • 285 Posts
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    Albala
    I can't see what problem you have with it. We were asked and did it. It's part of them checking you out to make sure you are a serious buyer and not some con merchant impersonating anyone else, or whatever- the sort of prudent checks any seller would wish them to do. Make a fuss about it and you will irritate the EA, and possibly the vendor as well if they tell the vendor, before you even start negotiating. Not a good look.



    Oh, and I think you will find that this IS 'the usual way'.
    • Surrey_EA
    • By Surrey_EA 14th Jun 19, 12:38 PM
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    Surrey_EA
    having read the previous threads on this subject, it is still unclear whether EAs asking for photo id is a miss-interpretation of the Money Laundering regulation that was updated few years ago,
    Originally posted by tndfr
    https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/801373/EAB.pdf

    I think the instructions to estate agents are pretty clear!!

    As an EA I am legally required to verify the identity of anyone buying a property through my company. We don't do it for fun, or because we want to laugh at a ridiculous passport photo, we have to by law.
  • archived user
    @Surrey_EA This is exactly what i was looking for, a reference to some sort of government legislation. thank you!
    • Comms69
    • By Comms69 14th Jun 19, 1:07 PM
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    Comms69
    @Surrey_EA This is exactly what i was looking for, a reference to some sort of government legislation. thank you!
    Originally posted by tndfr


    You realise though, that the agent can just have it as a policy. If you don't agree, you are free to do business elsewhere
    • Surrey_EA
    • By Surrey_EA 14th Jun 19, 1:20 PM
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    Surrey_EA
    You realise though, that the agent can just have it as a policy. If you don't agree, you are free to do business elsewhere
    Originally posted by Comms69
    Err, it's not a policy though.

    It's a piece of government legislation that all agents must comply with.
    • Comms69
    • By Comms69 14th Jun 19, 1:50 PM
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    Comms69
    Err, it's not a policy though.

    It's a piece of government legislation that all agents must comply with.
    Originally posted by Surrey_EA


    Huh? What?


    I didn't say it wasn't law. I said that even if it wasn't (which it is), the op would still have to show his ID if that was the policy.


    In other words I don't understand what the OP was arguing for anyway
    • Surrey_EA
    • By Surrey_EA 14th Jun 19, 2:04 PM
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    Surrey_EA
    I didn't say it wasn't law. I said that even if it wasn't (which it is), the op would still have to show his ID if that was the policy.


    In other words I don't understand what the OP was arguing for anyway
    Originally posted by Comms69
    Ah, apologies, misunderstood.

    It's been a long week..>..!
    • reeceg353
    • By reeceg353 14th Jun 19, 3:36 PM
    • 33 Posts
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    reeceg353
    This thread can't be serious?
    • Albala
    • By Albala 14th Jun 19, 7:01 PM
    • 285 Posts
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    Albala
    This thread can't be serious?
    Originally posted by reeceg353
    I've seen a lot of odder ones....
    • theartfullodger
    • By theartfullodger 14th Jun 19, 7:04 PM
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    theartfullodger
    If unhappy with the requirements, say F*** o** and buy from another agent.


    But you surely knew this?
    • Albala
    • By Albala 15th Jun 19, 8:05 AM
    • 285 Posts
    • 276 Thanks
    Albala
    If unhappy with the requirements, say F*** o** and buy from another agent.


    But you surely knew this?
    Originally posted by theartfullodger

    ..and try to find another agent that will not ask for exactly the same.................
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