Questions for Bankworkers my non status.

[Guest Battleaxe]

Acceptable form of ID from oseas.

 

We had a military ID cards, our passports, our tax file numbers and our medibank and Southern Cross memberships.

 

I also had my Vietnams Veterans Association ID card (photo) with my service number on it.

 

I had my entry Visa into the Uk with photographs and kent had his British passport as well as his new Zealand passport, our driversl licences with our photographs and our credit cards with our thumbprints on them as well as our bankers references.

 

I think we had plenty to establish our bona fides oh I forgor also our employment contracts with photgraphic ID and thumbprints.

 

Both of us had our birth certificates and marriage certificate.

 

I also had all my post grad qualifications and registrations for the professional bodies I belonged to.

 

I think they could have taken their pick and check with the authorities after I had given my written permission for them to do so.

[meagain]

I also had my Vietnams Veterans Association ID card (photo) with my service number on it.

 

I can picture the scenario now.

 

"Is this acceptable ID?"

"Ooh, I don't know ..."

"You don't know, 'cause you weren't there, man!"

 

Unfortunately, the banks are lazy. They can't be bothered to check anything beyond their own files. You have to jump through a bunch of hoops just to get them to actually look at what they get from the CRAs let alone other countries.

[anon1]

My question is really well the bank require two form of ID, proof or who you are which battleaxe you seemed to have plenty of and proof of address which i didn;t see from your post. What about address verification for the existing address?

On the employeee contract, did they not have an agreement with a bank that many large organisations do have, which means that effectively the company introduce you to the bank?

[Guest Battleaxe]

Intro to HSBC. Military, Australia House, New Zealand House, Immigration and Social Security all using the kent's father's address for contact purposes. the old boy had lived in the house since 1953, as did Kent until he joined the Navy.

 

Hire car documentation was in the old by's address and when we bought the car DVLA switched our licences to the old boy's address..

[strangel]

I work for Barclays and know for certain that they will open a basic bank account for anyone that has the right ID (basic - cash card only, no cheque book, no online banking but has D/D and S/O). I have a friend who opened that type of account the day after been declared bankrupt!!!

 

Hope this helps

[Guest NATTIE]

Make sure you PM dave or Bankfodder or one of the Mods if you are a Bank Worker, strangel, just one of the rules of the CAG, and Welcome another Bank Worker to the site, hurrah they are arriving in droves!

[strangel]

Will do that now n thanx 4 telling me

[JonCris]

Welcome strangel

 

Could I just say that being bankrupt ain't the same as being someone who is pursuing a bank for unlawful charges.

[Karma1]

All you need to do is get a small credit card with a £200 limit, use it and pay it off in full on a regular basis. Cap 1 or barclays will maybe offer u the card but actually I didn't get mine till after my contract with a phone

[JonCris]

Hi Strangel & welcome

 

Will your bank open an account for a person who has ios either seeking to recover or who has been successful in recovering charges from their previous bank?

 

It appears one or two banks are asking pointed questions about the reasons for changing banks..........They are also asking questions such as who is your bank & account number...............This makes me think that they are exchanging info they shouldn't............in anticipation of this governments intention to allow the banks to exchange info WITHOUT our consent

[mollington]

Jon and what type of information do you think they are exchanging?

exactly what use do you think your bank details are to them?

 

When opening accounts its a ice breaker of agents to ask why there chaging accounts.(you know conversation im sure you have heard of it)

 

 

as for asking for bank account numbers , well there is a small thing called a direct debit transfere form, which is a form to change all your direct debits over, so yes they will ask for you details to do that with your full consent.

[JonCris]

moll

Not necessarily so! It has come to my notice (just last week) that some banks are now refusing to open an account if the customer is reluctant to give their present account details...........I suspect they are exchanging info such as the fact that the customer is or has disputed their charges

[thereshope!]

What, you can't find a reference so you feign common knowledge instead? I'm not disputing that it happens, only that specifically post going to an old address is as major a contributory factor as you are making out. I almost suffered an incident last year, when post coming to the right address was tampered with on the premises during a visit by a letting agent and potential tenants. Pales into insignifance next to people rooting through bin-bags, or (worse) the "confdential waste" bins at the bank (where personal details are disposed of "securely" around the back).

 

Well it was certainly a massive issue to my partner and I !!!

 

We advised the bank of our moving date,at the same time gave our new address, and were told ,that all details would be updated immediatley.

They didnt.

 

We found out about 3 mts later when we were contacted by the fraud dept.

The bank had sent a business cheque book,statments etc to our old address,and the guy that had moved in was a bit of a criminal,by all accounts and knew what he was doing !

 

He had the cheque book 'scrubbed' effectively this removes all the account details, and reprinted with the details from a dissolved company, but with my partners name and address on !

 

He then went around writing large cheques which obviously bounced and the police found their way back to us !

 

I actually got to see a couple of the cheques that he had written, and they were very realistic.

 

We were also unfortunate enough to have had 3 catalogues at the time, which were seldom used,and the same pillock managed to order high value items such as playstations,tvs ,hifi etc.

I was suprised when I found out that this guys behaviour hadnt rung alarm bells with the catalogue company because he didnt just order 1 of each,he actually had the front to order 3 playstations on one order !

 

L uckily we could prove that the fraud had nothing to do with us , and the guy was quickly arrested, but I imagine it happens a lot more than me might think

 

Hope xx

[mollington]

I hate to be the one to break this to you. but the average bank worker doesnt give a S**t if you have claimed back charges or not ,

 

after all its the amount of accounts opened thats targeted . and show me one example as to why the account wouldent be opened without prevous bank details and i am willing to bet very large sums of money theres a explaination for it ,

[JonCris]

moll Say what you like & I ain't going to get into an argument but I can assure you it has happened..........& of course I'm going to reveal the identity & bank details of the person involved to you.....not

 

Whilst I agree about the average bank worker the bosses are a very different story. They want to deter consumers from exerting their rights & forcing us to court action ain't working.....Therefore they are thinking more in the long term.........they may reduce the number of applications in the short term but they will see it as there being more chance of them hanging on to more of their ill gotten gains........Oh! & by the way some bank workers do care as shown by their hostility to customers who contact them asking for the return of their money.........some of whom have been reduced to tears by ignorant bank staff

[Guest NATTIE]

The standard questions bank workers ask is called using due dilligence. It is true that if an account has had a charge on the statement that the bank will refuse to open an account, which has been in place for ages prior to any claims. No banks exchange info and there are rules specific to that so rhetoric that they do without specific examples in not sufficient. If you simply fail to ask someone why they want to open an account at x bank you as a bank worker fails to understand your job. I will reiterate somthing Moll has said and that is we really do not care if you are claiming charges from another bank but if you have charges on your existing account, then we do not open the account for you. That is bank policy. I am not sure of the relevancy of this on the OP original question on NOR status but hey a good old hijack never hurt anyone, eh?

[JonCris]

It's OK for you to be dismissive as you well know (or should) that I can't identify the person or their bank details on an open forum.......but I do know it has happened very recently.............In the absence of my refusing to disclose the details of the person involved you will just have to disagree with me........others can make their own judgement

[Guest NATTIE]

Jon- there is no concrete evidence that banks ie that are not part of the same group, ie NatWest/RBS or Halifax/Bank of Scotland are sharing information re refunds or claims. Not one annonymous member here has substantiated this and there is nothing that has changed in the process of NatWest with regards to this, if there was do you think i would have not posted on it? Jon, if it turns out I am wrong I am willing to apologise to YOU but it is not correct as it stands NOW. when i am wrong come back on me and I will apologise on the forum to you and if i miss it PM me the link and I have no problem apologising to you. We both agree to disagree at the moment with the lack of a forum user to prove otherwise or information either forthcoming within the press. So, watch this space I think Jon.

[JonCris]

Quite so............watch this space & no I will not be revealing the details of another person by PM or any other means......What I can say without breaking a confidence is that the matter is currently being looked into.......& not by the bank in question

[Guest NATTIE]

joncris- we have to read clearly posts, I said either ON HERE or IN THE PRESS. So when in THE PUBLIC DOMAIN. I would not expect you to break a confidence in any shape as I would never do on here if I was fully aware of the example given. Please re read what i wrote because i did say PM me the LINK not any confidence you have been given. I will of course be interested because as you know every story has two sides so I hope any cases do not fit the catagory of within a banking group of companies mentioned earlier, missed out HSBC/First Direct.