How to confirm address for anti-ML purposes?

How to confirm address for anti-ML purposes?

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Can I accept a printout of a client's online bank account / gas bill / electricity bill to evidence the client's address? Or do I have to see a "real" paper bill?

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blue sheep
By NH
11th Feb 2014 14:00

is it reasonable?

I used a electronic ID service for the first time recently which came back blank due to the client having lived there less than 3 years.

The company I used told me that even though I had not been able to ID him, I had still done everything reasonably possible to do so and therefore had complied.

In your case I would say if the client has nothing on paper a printout would be fine, you are after all going to have a photo ID from an original document as well. 

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By Maslins
11th Feb 2014 15:04

Go paperless yourself?

We use Taxcalc's AML thing and it works fine for us.  Stick in name, address & dob, more often than not it comes back with a pass.  Where it doesn't (typically if the person's recently moved) only then do you bother with the proof of address/ID.

My understanding is the "rules" are very flexible, basically you need to be convinced yourself that all is ok.  If you believe the person's story, and they can provide _some_ evidence you're happy with that they are who they say they are/live where they say they are, as far as I'm concerned you're all good.

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By SJRUK
11th Feb 2014 16:58

Not everything is paperless

Despite best efforts not everything can be paperless.  Has he any correspondence/statements from HMRC - I would accept this type of info.

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