Questions of Cash: Why do I have to show ID to get my cash?


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.
KC, Harrogate.

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?
JM, Reading.

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.
SF, Middlesbrough.

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.
MD, Romford.

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 cash@independent.co.uk. We can reply only to letters published. Please send copies, not originals.

Independent Partners; request a free guide on NISAs from Hargreaves Lansdown

News
peopleFrankie Boyle responds to referendum result in characteristically offensive style
News
news
Arts and Entertainment
musicHunter Davies has collected nearly a hundred original  manuscripts
News
news
PROMOTED VIDEO
New Articles
i100
Life and Style
lifeAiming to show breasts in a non-sexual way for cancer awareness
New Articles
i100... while following the referendum
Arts and Entertainment
Nick Frost will star in the Doctor Who 2014 Christmas special
tvNick Frost, Natalie Gumede and Michael Troughton step up
Arts and Entertainment
Matthew Beard, Ben Schnetzer, Douglas Booth and Jack Farthing in ‘The Riot Club’
filmReview: Sheer nastiness of Riot Club takes you aback
Arts and Entertainment
tvBut something’s not quite right
New Articles
i100
News
people
Finacial products from our partners
Property search
Latest stories from i100
Have you tried new the Independent Digital Edition apps?
Independent Dating
and  

By clicking 'Search' you
are agreeing to our
Terms of Use.

ES Rentals

    iJobs Job Widget
    iJobs Money & Business

    Senior BA - Motor and Home Insurance

    £400 - £450 Per Day: Clearwater People Solutions Ltd: **URGENT CONTRACT ROLE**...

    Market Risk & Control Manager

    Up to £100k or £450p/d: Saxton Leigh: My client is a leading commodities tradi...

    SQL Developer - Watford/NW London - £320 - £330 p/d - 6 months

    £320 - £330 per day: Ashdown Group: The Ashdown Group have been engaged by a l...

    Head of Audit

    To £75,000 + Pension + Benefits + Bonus: Saxton Leigh: My client is looking f...

    Day In a Page

    Mystery of the Ground Zero wedding photo

    A shot in the dark

    Mystery of the wedding photo from Ground Zero
    His life, the universe and everything

    His life, the universe and everything

    New biography sheds light on comic genius of Douglas Adams
    Save us from small screen superheroes

    Save us from small screen superheroes

    Shows like Agents of S.H.I.E.L.D are little more than marketing tools
    Reach for the skies

    Reach for the skies

    From pools to football pitches, rooftop living is looking up
    These are the 12 best hotel spas in the UK

    12 best hotel spas in the UK

    Some hotels go all out on facilities; others stand out for the sheer quality of treatments
    These Iranian-controlled Shia militias used to specialise in killing American soldiers. Now they are fighting Isis, backed up by US airstrikes

    Widespread fear of Isis is producing strange bedfellows

    Iranian-controlled Shia militias that used to kill American soldiers are now fighting Isis, helped by US airstrikes
    Topshop goes part Athena poster, part last spring Prada

    Topshop goes part Athena poster, part last spring Prada

    Shoppers don't come to Topshop for the unique
    How to make a Lego masterpiece

    How to make a Lego masterpiece

    Toy breaks out of the nursery and heads for the gallery
    Meet the ‘Endies’ – city dwellers who are too poor to have fun

    Meet the ‘Endies’ – city dwellers who are too poor to have fun

    Urbanites are cursed with an acronym pointing to Employed but No Disposable Income or Savings
    Paisley’s decision to make peace with IRA enemies might remind the Arabs of Sadat

    Ian Paisley’s decision to make peace with his IRA enemies

    His Save Ulster from Sodomy campaign would surely have been supported by many a Sunni imam
    'She was a singer, a superstar, an addict, but to me, her mother, she is simply Amy'

    'She was a singer, a superstar, an addict, but to me, her mother, she is simply Amy'

    Exclusive extract from Janis Winehouse's poignant new memoir
    Is this the role to win Cumberbatch an Oscar?

    Is this the role to win Cumberbatch an Oscar?

    The Imitation Game, film review
    England and Roy Hodgson take a joint step towards redemption in Basel

    England and Hodgson take a joint step towards redemption

    Welbeck double puts England on the road to Euro 2016
    Relatives fight over Vivian Maier’s rare photos

    Relatives fight over Vivian Maier’s rare photos

    Pictures removed from public view as courts decide ownership
    ‘Fashion has to be fun. It’s a big business, not a cure for cancer’

    ‘Fashion has to be fun. It’s a big business, not a cure for cancer’

    Donatella Versace at New York Fashion Week