Identity checks on new accounts

Hello everyone.

I recently applied for a First Direct savings account over a week ago and the first I heard from them was when they called me yesterday. They were unimpressed by the fact that I am ex-directory at my home address, and have insisted that they must see a phone bill to confirm that the number is mine and that it relates to the address they are calling.

This is a problem. The bill needs to be dated within the last three months. I have switched to paperless billing with my phone provider, and they have said they won't be able to send out a bill without me switching back. In any case, it is three months until my next bill, and the bill is in the name of my partner. I don't really want to pursue my phone company to provide me with ID, since it is not their problem and it's First Direct who are asking these things.

So I have no way of proving that the phone number relates to the address on my application. The customer service rep then made the ludicrous suggestion that I should get my number listed in the directory, which is a rather high threshold to get a savings account off them.

Is it now standard practice for them to check up on phone numbers? I've got to say, on every account I've opened in the past, barring a quick glance at a passport and a utility bill, there has been no other form of identity check, and certainly never a check to see if a phone number is mine. In fact, when I've opened Egg and ING Direct accounts in the past, I have never been asked to prove my identity.

Is all this fuss worth it for a First Direct account? Will there be a way of convincing them to drop this phone number check?

Cheers,

Reply to
Reece Bythell
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So just print out the electronic bill.

Anyway, they don't need to know that the phone number relates to your address, they only need to know that it relates to you, and since they have already reached you, that should be enough. Of course, they also need to know that your address realtes to you, but you have presumably already satisfied them of that. Relatedness is transitive: Since your address relates to you, and you relate to your phone number, ipso facto your address relates to your phone number.

Don't they ask you all sorts of personal questions each time they phone, to "verify your identity"? Come to think of it, why not suggest to them that they send you a secret random number in the post, and that, having allowed enough time for it to arrive, they phone you up and ask you to read that number to them. That'll prove that the address and phone number are related, since otherwise the party they're calling could not know the secret number.

Reply to
Ronald Raygun

Got a mobile phone?

Reply to
Tumbleweed

I was rather thinking that this would mean that FD wouldn't even give you the time of day instead of solving the problem.

tim

Reply to
tim (moved to sweden)

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