Identity check problem

Identity check problem

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What can you do if you can't get photo ID of a new client?

I have 2 at the moment

One .. the client has never had a passport and lost his driving licence 2 years ago (drink and driving). So no photo ID. I have been to his house, met him and got a utility bill .. what else can I do? In terms of risk .. his total income after expenses as a landscape gardener is about £6,000 per annum! I

Two .. an elderly lady who is caring for her very ill husband. Her documents are at her other house and she can't get to them. Again I have met her been to the house and verified address etc and got HMRC documentation but no photo ID.

Both in my view very low risk in terms of MLR but is it impossible to proceed without photo ID?

Thanks

Replies (14)

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Universe
By SteveOH
22nd Jan 2015 12:57

You don't necessarily need photo ID

The due dilgence is risk based. If you have visited them at their home address and obtained utility bills for example and you consider them to be low risk, then in my opinion you have done enough to verify their identity, which is all that is required of you.

You probably should also post an engagement letter to their stated home address and then the signed letter back from them is further evidence.

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David Winch
By David Winch
22nd Jan 2015 13:35

I agree

Photo ID is not always necessary.

David

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RLI
By lionofludesch
22nd Jan 2015 13:42

No good

Photo ID's great but no good for my old mum.

Hasn't had a passport for years and we need to keep death off the roads.

Yet she's still able to open a bank account (or rather, have one opened for her).

I'd just get an extra piece of written evidence.

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By claudialowe
22nd Jan 2015 14:46

Firearms certificate

A firearms certificate has worked for me in the past.  Old boy never been out of the county, let alone the country, and only had the old style paper driving licence, but if the Chief Inspector of the County was happy to give him a dangerous weapon, I was happy to accept him as a client.  ps - might not work as well in the middle of a city!

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RLI
By lionofludesch
22nd Jan 2015 14:50

My mum

Unfortunately, my mum doesn't own a gun either.

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By K81
22nd Jan 2015 15:26

Have accepted bus passes & fishing licences in the past also.

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By TickTock
22nd Jan 2015 16:05

I have a similar problem
My client is in a nursing home. Daughter has EPA. I can get photo ID for the daughter but the mother doesn't have any photo ID at all and all bills go to the daughters address. So I can't get proof of address for the mother (I haven't tried the electoral roll yet). I'm dealing solely with the daughter as she has the EPA so is proof of ID for the daughter enough?

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Replying to davidwinch:
David Winch
By David Winch
22nd Jan 2015 16:55

Matron knows best!

TickTock wrote:
My client is in a nursing home. Daughter has EPA. I can get photo ID for the daughter but the mother doesn't have any photo ID at all and all bills go to the daughters address. So I can't get proof of address for the mother (I haven't tried the electoral roll yet). I'm dealing solely with the daughter as she has the EPA so is proof of ID for the daughter enough?

If you get a letter from the Matron (or whatever) of the nursing home saying "Gloria Bloggs is Gloria Bloggs" with some supporting waffle about having known her for a while then that covers you for ID.

David

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By Russell Huk
23rd Jan 2015 13:30

on that basis , is paying to do an MLR check by the likes of veriphy necessary?

 

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Replying to bernard michael:
David Winch
By David Winch
23rd Jan 2015 14:27

It depends

Russell Huk wrote:

on that basis , is paying to do an MLR check by the likes of veriphy necessary?

An electronic check which comes back OK will normally involves screening the ID against various databases such as the electoral roll & the HM Treasury lists of 'bad guys'.

Of course the money laundering risk associated with Gladys Bloggs in the local nursing come with £20,000 in a building society & a couple of pensions (who instructs you to complete her tax return) may not be that great.

There is always the tiny chance that there may be some international terrorist somewhere who goes by the name of Gladis Bloggs - that might set some unnecessary alarm bells ringing!

But in any event it might be quicker & easier with a number of clients to perform an electronic check rather than faff about with passports.

Up to you.

David

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By Homeworker
28th Jan 2015 15:05

How about a blue badge?

My 93 year old mother in law had to attend a meeting to prove she could not walk far, before they would issue this!

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By raybackler
28th Jan 2015 19:57

David Winch

Are you exhibiting a sense of humour?  I always enjoy your fact based postings, but the above hint that you might actually have a lighter side!!  "Matron (or whatever) of the nursing home saying 'Gloria Bloggs is Gloria Bloggs' with some supporting waffle" plus "there may be some international terrorist somewhere who goes by the name of Gladis Bloggs".  By the way - when did Gloria become Gladis?  Has there been a shift in identity and should we be worried?

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David Winch
By David Winch
28th Jan 2015 20:37

We should all be worried all of the time.  Something ghastly might happen tomorrow.  Or then again maybe it won't. ;)

David

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By Narrowboat
01st Feb 2015 12:31

Pensioner identity

I had a nightmare with my blind 95 year old dad who has dementia and lives in a nursing home. Passport expired years ago and ditto driving license after he wrote the car off . A major building society was a pain in the posterior even though I had a deputy order issued by the court of protection.They accepted a letter issued by the nursing home (which took 2 stabs at getting his name correct!) and a bank statement with his name/my name and my address plus identity stuff for me. To be honest I sent them every spurious piece of expired paperwork with his name and his old address on in desperation. This was a real eye opener for taking on pensioner clients.

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