Questions of Cash: Why do I have to show ID to get my cash?
Saturday 14 August 2004
Q. My NatWest branch has told me that to make cash withdrawals from my current account after October I must prove my identity with a passport, driver's licence with photo, or bank Switch card.
Q. My NatWest branch has told me that to make cash withdrawals from my current account after October I must prove my identity with a passport, driver's licence with photo, or bank Switch card. I don't have a licence or passport and I don't want a cash card because of the risk of fraud. This is an infringement of my civil liberties, introducing ID cards by the back door.
A. This is not a new requirement by NatWest, but the enforcement of existing rules. It is only because you are well-known to your branch that they are not forcing you to show ID. You evidently do not like it, but given the clampdown on money laundering this is a reality of modern life. Fraud is not a high risk with cash cards, but you can request that your card has its PIN suppressed so that it cannot be used in a cash machine.
Another alternative would be to move your funds to a passbook-based account with a building society or former society. But even with a passbook you might be asked to prove your identity if using it away from your own branch, and you would certainly have to display ID to open a new account.
Q. I pay some of my regular monthly bills using my Co-op Bank Visa debit card. This is the arrangement requested by the service providers. But with two of these - a phone company and an online information database - when the debit card expired and was replaced by a new one, the companies stopped providing their services on the basis that the transactions were no longer authorised. Why can't regular payments continue after a new debit or credit card is issued?
A. Visa International says this falls outside its responsibility and is a matter for the bank that issued your card and the retailers' banks. A spokesman for Co-op Bank says retailers can avoid this problem, but to do so they must make arrangements with their own banks for recurring transactions authorisation. Co-op Bank says arranging this facility is likely to generate a charge for the retailer.
Responsibility lies with the companies charging you for the services and they seem not to have discharged this very well. They might not want to incur extra costs, but they should request a new debit card authorisation rather than just cut off the service.
Q. I have an endowment mortgage with Abbey Life. Since completing a questionnaire from Abbey Life in September 2002 I have received letters every six months stating it is reviewing my case. In March this year, Abbey Life asked why I was still paying premiums into the policies - I replied the same month, but still have had no reply. I have now been told the case may not be resolved until December this year. This seems an excessive delay.
A. Abbey Life (part of Scottish Widows, itself owned by Lloyds TSB) accepts that the delays "must be extremely frustrating", but says that it has agreed with the Financial Services Authority a timetable lasting until December to clear the backlog of outstanding complaints. However, it has agreed to bring forward your review and promises to reach a decision within the next week.
The reason for the extensive delay in resolving your complaint is that your mis-selling review was generated not by a complaint from you, but as a result of a pro-active initiative from Abbey Life. Cases generated in this way are not subject to the general requirement that old endowment complaints should have been resolved by April this year.
Q. I worked for B&Q as a graduate management trainee in 1998 and 1999. In January 1999, I was called up to the manager's office, but tripped over a large box inside the doorway which I did not see. I received leg injuries which aggravated a previous injury and caused me to be off work for two days. I recorded the injury in the accident book after returning to work, but B&Q refused to pay me for the days lost as I had worked for them for less than six months. I want to pursue the pay deduction of £120.32, but when I wrote to the company at the end of last year it said that as it the incident was more than three years ago it was unable to help me.
A. B&Q says that after four years it is difficult to investigate your claim. It says that it has acted in accordance with its conditions of service, which were communicated to you at the onset of your employment.
Given the lapse of time, you will find it difficult to explore other avenues. Where an employer withholds pay which the employee believes is wrongly withheld, they can lodge a claim through an employment tribunal alleging breach of employment contract. However, claims for wrongly withheld pay must be submitted within three months.
* If you have questions, write to Questions of Cash, 'The Independent', 191 Marsh Wall, London E14 9RS, or e-mail firstname.lastname@example.org. We can reply only to letters published. Please send copies, not originals.
Debt in Britain: Numbers seeking help on how to cope with mounting bills goes up by more than half in three years
Bargain Hunter: BT improves its mobile reception with 'incredibly competitive' deals
Questions of Cash: Why was my case ignored by My Civil Service Pension?
Offset your mortgage and save thousands
Simon Read: 'It went below the radar but you could be eligible for a tax break on your savings'
- 1 East 17 bandmember Brian Harvey in 'very desperate situation’
- 2 Vladimir Putin says Russia will fight for the right of Palestinians to their own state
- 3 WrestleMania 31 results: Seth Rollins stuns WWE as he cashes in Money in the Bank contract to claim title from Brock Lesnar
- 4 Ohio Democrat Teresa Fedor speaks out during abortion debate to reveal she has been raped – and is interrupted by laughter from Republicans
- 5 Germanwings plane crash: I have depression. That doesn't make me a psychopath
Ukip supporters are 55 or older, white and socially conservative, finds British Social Attitudes Report
JK Rowling responds to fan tweeting she 'can't see' Dumbledore being gay
Street preacher quoting from the Bible fined for calling homosexuality an 'abomination'
Jeremy Clarkson sacked live: Alan Yentob 'wouldn't rule out' ex Top Gear host's BBC return
Woman filmed launching racist tirade against men on the Tube for speaking in 'own lingo'
The West has it totally wrong on Lee Kuan Yew
iJobs Money & Business
£20000 - £35000 per annum: Recruitment Genius: This multi-award winning foreig...
Negotiable: Recruitment Genius: To provide a prompt, friendly and efficient se...
Negotiable: Recruitment Genius: You will be the first point of contact for all...
£18000 - £24000 per annum + benefits: Ashdown Group: HR, Payroll & Benefits Of...
Day In a Page
This four-bedroom cottage is a Grade II-listed town house, well-located for the thriving market town of Nailsworth.
A four-bedroom apartment on the ground floor of a stunning period property in North Yorkshire, with two kitchens and a large south-west facing garden.
This high-spec two-bedroom home is part of a smart collection of new flats at Beaufort Park and has a large decked balcony that's perfect for summer drinks.
Capitalise on the fabulous views of Trevone Bay by taking two homes and creating one spacious boutique B&B. Just a cliff-top walk from Padstow.
Overlooking a golf course, this six-bedroom Edwardian detached home spans four storeys and retains many period features including the original, operational servants' bells...
On the edge of the city, this six-bedroom home comes with an outdoor swimming pool and a large garage block that has annexe potential.
In a Grade II-listed manor just outside of Bath, this three-bedroom home is arranged on two floors with a skylight in a vaulted roof line.
Open the living room's bi-fold wooden doors to reveal a retro-style kitchen, and a conservatory leading to a paved garden at this three-bedroom home.
A Grade II-listed, four-bedroom home, in a charming Somerset village, with a two-storey studio that could be converted into a holiday cottage
A modern four-bedroom Victorian home, within walking distance to the high street
A luxury apartment in the Gothic mansion of Wyfold Court in Kingwood, offers six bedrooms spread over three floors and a turret
This school conversion, near Stockwell Tube, oozes New York loft style. The one-bedroom flat features double height ceilings and exposed brick work
This six-bedroom Georgian home is on three floors with open fireplaces, a two-oven Aga, an annexe, and cottage gardens with outbuildings and a car barn
High Crest House covers an impressive 9384sq ft, with almost three acres of grounds including a tennis court and summer house enclosed by electric gates
A six-bedroom farmhouse with separate accommodation in converted stables. Situated in the village of Church Aston, within walking distance to the market town
A two-bedroom flat with under-heated walnut floors and bespoke built-in storage. The Tube and Clapham Common are a short stroll away
A refurbished seven-bedroom townhouse with staff quarters, cinema room, superb gym, steam room and plunge pool
A minimnalist four-bedroom home designed to the highest spec, featuring glass walls and a kitchen space lit by a glass roof
Hibernate during winter and make your living during the summer at this busy guesthouse with panoramic sea views, in the village of Lynton
A four-bedroom penthouse next to the Tate with direct views of St Paul's from two floors of luxurious living space
A four-bedroom detached home surrounded by spacious gardens and woodland, close to New Pudsey
An 18th-century, three-bedroom home near Langstone Harbour built from ships beams with vaulted ceilings and wood burning stoves
A five-bedroom semi-detached home with a mix of period and modern features in a popular and convenient location
This five-bedroom red-brick beauty overlooks the village green and sits in just under two acres of land
A three-bedroom villa with self-contained flat, minutes from Lake Windermere
A five-bedroom Victorian home with four receptions, superb gardens and paddock in Pembury
An eight-bedroom house on the south side of the The Green with cinema, wine cellars and summer house
This 17th century beauty is full of rustic cosiness, while the detached home office means you can also run a business
Four exclusive apartments in a Grade II-listed former medical school with 2,275 sq ft of living space and 18ft ceilings
A five-bedroom terraced house on the popular Peterborough Estate, ideally located for both Eel Brook Common and South Park
A state-of-the-art farm-building conversion on the former Cliveden Estate, with 11,420sq ft of internal space, cinema and wine cellar
Windsor Castle overlooks this three-bedroom Victorian cottage located on one of Windsor's smartest roads
A boutique mews house, set around a central courtyard, with three bedrooms and a private roof terrace
A four-bedroom farm-conversion with three bathrooms and two reception rooms
A two-bedroom detached house with ensuite bathrooms and a sun-drenched decked terrace, £750,000
A modern and spacious two-bedroom, penthouse flat with two bathrooms in a prestigious development
A beautifully renovated five-bedroom terrace with three reception rooms and a courtyard garden, £700,000
A four-bedroom period house which has been extended to provide almost 2,500sq ft of living space, £675,000
A pretty three-bedroom Georgian home with a 22ft drawing room and a master suite with a balcony, £525,000
A substanstial family home with five bedrooms and landscaped gardens in the much sought-after Branksome Park area
A well-presented three-bedroom house with front and rear gardens, close to White City station, £475,000
A handsome five-bedroom house in a sought-after location close to the city centre
A five-bedroom country home with valley views, equestrian stables and 27 acres of land, £725,000
A six-bedroom farm house with separate, detached cottages and 371 acres of land
A two-bedroom cottage with parquet floors, chunky beams and an open fireplace
A three-bedrrom flat with 2,733sq feet of living space, a beautiful private garden and 15 acres of communal grounds
A four-bedroom chalet bungalow with three bathrooms and a spacious garden, £525,000
A two-bedroom flat with an open plan kitchen and two balconies, close to Arsenal station