I was just reading Quentin Pain's website and the bit about Money Laundering and a thought occurred to me about the proof of identity. Is it a requirement that a printed photocopy of a drivers licence/passport be taken - or would a picture of it taken with an Iphone suffice?
The picture obviously stored elsewhere as it is easy for an Iphone to go missing.
I have just taken a photocopy of my driving licence and it was a waste of time as the face is just a black blob. Whereas the picture from my Iphone is perfectly clear. Maybe I need to adjust the settings on my scanner to get a better picture.
It would be a lot easier to ask someone to show their driving licence and then take a photo of it.....although to be honest that sounds quite dodgy from their point of view.
What else is acceptable as proof of identity? For a while I did not have any myself. No passport. No driving licence.
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Never buy black socks from a normal shop. They shaft you every time.
I was the manager of a Credit Union for a few years and this is something we came up against time and time again. Many of our members had neither a driving licence nor passport. The guidance that came from the FSA for us was that we had to be certain that the person was who they said they were, and lived where they said they lived.
It is typical of government agencies to tell you what you need, but not spell out how to do it. They just wait on the sidelines to jump up and down on your head when you get it wrong.
We devised a list of various things we would accept. This is what most financial institutions do, as various banks will accept certain things and not others. In short it's up to them that they know who they are dealing with.
So for who they were we accepted:
Driving License (paper and/or photocard) Passport Firearms Certificate Birth Certificate Police Warrant Card Armed Forces Warrant Card Employers ID card (from certain employers, NHS, local authority etc) Letter from DWP Adoption Certificate
For where they live we took:
Driving Licence (unless used for who they are) Letter from government agency Utility Bill (within the last 3 months) Bank Statement (within the last 3 months) Council Tax Bill
Most people had one of them. If not we could use a certain amount of discretion.
I can't see this being much different for us. I would always convince myself they are legitimate, then happily argue my case.
The views expressed in this post are my own personal (HRA protected) views, and are not representative of any organisation I have any involvement with.
Literally just been asked for a copy of my driving licence & photocard by the ICB and it scanned OK.
When you become a member in practice of the ICB, you will get a large ring binder relating to MLR. It details what is best (but not necessarily the only type) to use for evidence, and as Kris has listed, it mainly revolves around official documentation.
Haven't check for sure but I believe that a photo driving licence is sufficient for both proof of ID and address
It does not stipulate what format it has to be recorded in, so if it is a good clear photograph, then I don't see a problem.
The whole point of the ID is to act as evidence that you have taken reasonable care to check the identity of your client, which is based on the KYC principal (Know Your Client). If like me, for the majority of my clients, I collect paperwork from their homes, does this count as evidence of their address, I mean actually go to their house. I think that the main reason for checking the address, is aimed at clients that you work for remotely, for example either you go to their work premises, or they come to your office, so you have no way of knowing if they are telling the truth about where they live.
Wait till you have to ask a friend you've known for years to prove their identity!!
-- Edited by Wella on Tuesday 28th of September 2010 05:16:34 PM
Wait till you have to ask a friend you've known for years to prove their identity!!
Funny you should say that as this is partly the reason I'm asking. Someone I've known since I was a small child has recently asked me to "do their books". When he asked me he laughed when he said this and said "there is no books". He is a sub-contractor and says he will be getting copies of his details from England. I thought he was an employee of this national company but it turns out he's not. When I say I thought, I mean, from knowing him personally outside of his work - I thought that was who he worked for (as in being an employee). I'll find out soon enough what the score is and no doubt be back on here asking questions just to make sure.
It is going to be weird asking someone I've known for probably nearly 40 years to prove their identity. His father knew my father. His grandfather knew my grandfather. I thought it would be a lot easier if I could just ask him to show me his driving licence and I'd take a photo of it. That was the main point of my question - the other part was just curiosity.
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Never buy black socks from a normal shop. They shaft you every time.
