Discussion
I walked into a Lloyds branch in London, having made a phone call to them previously, and walked out with cash. I had no cards, no ID, nothing. Just the verbal reassurance that I am who I say I am, that Im coming, and I answered the security questions they asked.
My girlfriends dad went into the Halifax and asked to take money out, but he had no ID on him at the time. A signature and a few questions was all that was required to confirm his ID. He walked out with cash.
My girlfriend went to Natwest today. And she tried to take out cash. She had with her:
Her bank card
Her cheque book
Her paying in book
Her national insurance card
!! 4 !! different utility bills
Her tax form (IR tax)
Her internet banking password
Her telephone banking password
And, believe it or not, she had her birth certificate with her too! She took this, because she was withdrawing just over £1k cash, something she never does, she said.
She didnt have her driving license (changed address) AND her passport. And so they refused to give her - her money over the counter.
I once withdrew £7000 cash from Lloyds, with just a bank card, signature and security questions.
Getting back to my girlfriend - if a birth cert isnt acceptable to withdraw cash, but a drivers license is - how is it that one can get a drivers license with a birth cert, but no passport.
And although we wont see a full show of hands here on PH, who cares to raise their hand anyway, affirming that they carry their passport each and every time they go to the bank to withdraw cash, as well as their birth certificate? edited to adjust figures
>> Edited by UKBob on Saturday 19th November 07:50
My girlfriends dad went into the Halifax and asked to take money out, but he had no ID on him at the time. A signature and a few questions was all that was required to confirm his ID. He walked out with cash.
My girlfriend went to Natwest today. And she tried to take out cash. She had with her:
Her bank card
Her cheque book
Her paying in book
Her national insurance card
!! 4 !! different utility bills
Her tax form (IR tax)
Her internet banking password
Her telephone banking password
And, believe it or not, she had her birth certificate with her too! She took this, because she was withdrawing just over £1k cash, something she never does, she said.
She didnt have her driving license (changed address) AND her passport. And so they refused to give her - her money over the counter.
I once withdrew £7000 cash from Lloyds, with just a bank card, signature and security questions.
Getting back to my girlfriend - if a birth cert isnt acceptable to withdraw cash, but a drivers license is - how is it that one can get a drivers license with a birth cert, but no passport.
And although we wont see a full show of hands here on PH, who cares to raise their hand anyway, affirming that they carry their passport each and every time they go to the bank to withdraw cash, as well as their birth certificate? edited to adjust figures
>> Edited by UKBob on Saturday 19th November 07:50
I have withdrawn several thousand pounds in cash before with only a driving license before now. Gave them my account details verbally, security questions and a signature. That was with NatWest. Didn't even phone ahead. I was slightly surprised to be honest!
Edited for dodgy spelling.
>> Edited by gingerpaul on Friday 18th November 23:59
Edited for dodgy spelling.
>> Edited by gingerpaul on Friday 18th November 23:59
I used phone banking recently to transfer some funds. The person at the bank asked me no security questions and the money was duly transferred. So perterbed was I by this that I called my "relationship manager" at the bank and asked what assurances she could give me that if someone transferred my funds I'd be reimbursed. Worryingly, she could give me no assurances.
mxdi said:
After reading that, I think I would chose to bank with Natwest than the rest, for security if anything.
Why, because they refuse to accept your:
birth certificate
bank card
cheque book
paying in book
national insurance card
tax form (IR tax)
and !! 4 !! different utility bills!
Right now, she needs a new passport and doesnt have one. I've not met anyone who carries theirs around with them daily. If she were trying to board a plane at Natwest Airport, fair play. This was her own local high street branch.
The Lloyds cashier would be sacked for not following the banks policies if the withdrawal was questioned. You should have been asked to provide at least your drivers license and debit/credit card. They are probably so fed up with being turned into low paid sales people or being replaced by cheap bad English speaking Indians that they no longer care!
mybrainhurts said:
Confucius, he say......Bankers is Wankers
Collective noun - Wunch of bankers'.
When I needed a draft for £8K to buy a car, it was all fixed up on the ohone for me to go and collect it from a particular branch the next morning. Arrive in Branch: 'I've come to collect the draft please'. 'Eh, wot?'. I must have looked a bit fierce as the manager eventually wrote out a new one on the spot
What is it with companies these days? You'd expect maybe 1 instruction in 100 to go wrong, but it's every bloody time. Like the time last week I arranged for a chap to change my electricty meter next week - what did I get? A gas meter bloke the same afternoon
birth certificate: What use is that? it proves nothing at all whatsoever, even if it had a piccy on it, it would only be a baby photo, it doesnt have anything on it at all, not even an address. I am baffled as to why anyone would consider a birth certificate proof of anything. Your existence is self evident.
bank card: Easily stolen.
cheque book: Easily stolen.
paying in book: Easily stolen.
national insurance card: Again, this proves what? it is of no use whatsoever, I had a piece of card with my NA number on it when I was 16, not seen it or needed since, I am now 43 (I know my NA number and quote it when required, never been asked for some form of official written proof of it though).
tax form (IR tax): I cant even begin to understand why this is of any use?
and !! 4 !! different utility bills! : Again, easily stolen, especially from rubbish bin.
I would have thought that passport or driving licence would be adequate along with bank card, job done. None of the above appear relevant to me.
UKBob said:
My girlfriend went to Natwest today. And she tried to take out cash. She had with her:
Her bank card
Her cheque book
Her paying in book
Her national insurance card
!! 4 !! different utility bills
Her tax form (IR tax)
Her internet banking password
Her telephone banking password
And, believe it or not, she had her birth certificate with her too! She took this, because she was withdrawing just over £1k cash, something she never does, she said.
>> Edited by UKBob on Saturday 19th November 07:50
errrrr perhaps she didnt have the money in the account!!!
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