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What ID check facility do other practitioners use?

Clients are struggling to send a copy of their ID/proof of address what other checks should be done

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Hi all,

I have come across a few cases where my prospective new clients are having difficulty sending a copy of their IDs/proof of address. I am trying to verify these clients through creditsafe's AML ID checks. However, there are cases where the ID check fails. The facility does not suggest what else we can do to verify their identity.

What other ID check/proof of address facilities do other practitioners use and do you find them reliable?

Thanks in advance for your input.

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By bernard michael
30th Apr 2021 10:02

Why are they having difficulty with ID & proof of address?? Don't they have any driving licences/passports/utility bills/tenancy agreement/bank statements ???

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By stephenkendrew
30th Apr 2021 10:14

We have always got clients to email us, call in at the office with or post their ID to us. Every new client we have ever taken on has always been able to provide us with something (passport/driving licence, bank statement, birth certificate, utility bill etc etc) - even someone last week who doesn't have a passport or a driving licence.

What difficulty are they having?

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By CJaneH
30th Apr 2021 10:42

I cannot see what use the photo ID is unless you see the client in person, therefore they can deliver the documents themselves.

For rental income clients I am using the Land registry as an extra bit of evidence. At present chasing client who inherited property from father ( a former client) because solicitor dealing with estate has not dealt with registering the transfer after over 2 years.

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Replying to CJaneH:
By ireallyshouldknowthisbut
30th Apr 2021 10:48

well the point is the photo ID is checked to the third party software. So unless they have someone else's passport its probably them. And presumably you do the odd zoom call with the client?

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By ireallyshouldknowthisbut
30th Apr 2021 10:46

Never had an issue other than laziness and I don't want those clients anyway.

if they are not IT savvy, then I tell 'em to get a friend to help.

Surely they know SOMONE who has a smart phone and can photograph their ID and email it over so you can run the checks on a third party software. I use verpihy you dont have to buy a bundle upfront.

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Replying to ireallyshouldknowthisbut:
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By Ken Howard
30th Apr 2021 19:41

ireallyshouldknowthisbut wrote:

Never had an issue other than laziness and I don't want those clients anyway.

if they are not IT savvy, then I tell 'em to get a friend to help.

Surely they know SOMONE who has a smart phone and can photograph their ID and email it over so you can run the checks on a third party software. I use verpihy you dont have to buy a bundle upfront.

I'd agree with that. I once had a muppet of a client who sent me a photo of the front cover of his passport when I asked him to send me a photo of his passport. I think he thought it was funny. He wasn't laughing when I sacked him for wasting my time!

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Replying to Ken Howard:
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By I'msorryIhaven'taclue
05th May 2021 11:26

Ha ha! What a splendid example of the Dunning-Kruger effect. You, Ken, must shoulder your share of the blame for over-estimating your client's intelligence :)

I once had a prospective client send me his GCSE certificates. (Unsurprisingly, he'd scored mostly Cs and Ds.)

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Lisa Thomas
By Lisa Thomas
30th Apr 2021 12:17

They can do it at the post office for a small fee.

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By dhburrows3
05th May 2021 07:42

You could try Experian Business Express

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By kbrajput
05th May 2021 09:21

I would suggest use of Anti Money Laundry (AML) check portal. This is an acceptable method of ID check. I also ensure that I meet client on Zoom.

It is rare that any client would not have either passport or driving licence with photograph.

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Replying to kbrajput:
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By paulwakefield1
05th May 2021 13:46

Not that rare especially amongst the older generation.

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Replying to paulwakefield1:
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By Hugo Fair
05th May 2021 15:28

Not necessarily that old ... the photocard driving-licence was 1st issued on 1 Apr 1999, so (unless you acquired a lot of points and chose to 'update' your licence in the meantime) anyone over 40 may still hold only the (non-photo) paper licence.

And a surprising (to me) number of people have never travelled overseas.

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