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 email@example.com. We can reply only to letters published. Please send copies, not originals.
- 1 New Zealand 'the best country to work as a prostitute', says sex worker advocacy group
- 2 Purity balls: Girls in the US making virginity pledges as fathers vow to 'protect purity'
- 3 Mother 'will allow son's circumcision in return for release from prison'
- 5 Female Muay Thai champion hustles coaches to give them a beating
As a white man, I'm surprised more women aren't tweeting the hashtag #KillAllWhiteMen
Scotland may have to leave the EU even if it votes to stay in, David Cameron confirms
Report finds that Britain's wages are the most unequal in Europe
The day that Britain resigned as a global power
Almost a third of school pupils believe 'Muslims are taking over our country', study claims
Gay marriage 'Bert and Ernie' cake bakery found guilty of discrimination in Northern Ireland
iJobs Money & Business
£40-50K: Guru Careers: We are seeking an experienced Software / C# Developer w...
£45,000 - £55,000: Neil Pavier: Are you looking for your next opportunity for ...
£45,000 - £55,000: Sheridan Maine: Are you a newly qualified ACA/ACCA/ACMA qua...
£50,000 - £60,000: Laura Norton: Are you looking for an opportunity within a w...
Day In a Page
On the market for the first time in more than 50 years, this six-bedroom home is a project with vast potential - spread over three floors of living space.
This five-bedroom home comes with a range of outbuildings including a large barn which could be converted into a self-contained granny-flat or rental.
Surrounded by rolling countryside, this four-bedroom barn conversion comes with a self-contained, one-bedroom annexe that could serve as an office or a holiday let.
Located near Harrogate town centre, this five-bedroom Victorian terrace is arranged over three storeys while a current study serves as an optional sixth bedroom.
A ground-floor flat in a country house, located a mile from Sway; this two-bedroom home would make an ideal weekend retreat on the edge of the New Forest.
On a popular residential lane in Caterham on the Hill, this four-bedroom family home offers a secluded garden and a convenient location for local schools and public transport.
Just a short walk from Westerham green, this three-bedroom cottage has a light kitchen with exposed brickwork and double doors that lead to a south-facing garden.
In a prime spot opposite the River Thames, this one-bedroom flat has an 18sq ft reception room with glass doors that open out to a private terrace.
Set in the hills above Llanwrda Village, west Wales, this 18th-century three-bedroom farmhouse has holiday-let potential from a separate barn conversion and annexe.
This charming end-of-terrace townhouse is arranged over three floors, with two double bedrooms and a private courtyard garden located at the rear of the property.
This four-bedroom Edwardian home offers a combination of original features and contemporary design after a renovation by the current owners.
Located in the University area, this semi-detached five-bedroom home is arranged over three floors - there's even a rear garden and off-road parking too.
Only a few minutes' drive from the charming town of Marlow, this two-bedroom home sits on the private riverside estate of Harleyford.
This detached four-bedroom home in Middleyard is arranged over two floors, with features that include a wood-burning stove and bespoke oak staircase.
In a row of eight detached Georgian residences, this five-bedroom home offers views of The Sound, Mount Edgcumbe and Cornwall from its impressive veranda and full-length balcony.
If you love cooking for friends this two-bedroom flat - complete with views of the iconic Battersea Power Station and an open-plan kitchen/dining area - will go down a treat.
Located above Grasmere village, this five-bedroom home is arranged over three floors and offers countryside views across Grasmere Lake towards Silver Howe.
Surrounded by the Western fells, this five-bedroom Georgian home retains many original features including panel-plastered ceilings, sash windows and fireplaces.
This six-bedroom home is set amongst three acres of grounds. Currently a large family home, Clift Hill has potential to make a B&B, subject to change of use permissions.
A former period coach house, Glebe Farm Stable is now a three-bedroom cottage with a double car barn, office, kennels and an outbuilding that's currently used as a gym.
Set sail for this four-bedroom farmhouse in Cowes. With five acres of land and an indoor pool, this home oozes character. There is even potential to let a one-bedroom annexe.
Surrounded by woodland, this five-bedroom manor house has plenty of outdoor storage space in the form of three converted loose boxes, two smaller outhouses and a woodstore.
This four-bedroom detached home comes with a double carport, useful workshop, garden and two walkways that offer views of the adjacent countryside.
With space for an equestrian business, a greenhouse for growing your own veg, a wine store and a gym; this five-bedroom home has all the ingredients for a country retreat.
This four-bedroom home has exposed brick chimneys and a vaulted ceiling in a breakfast room that's ideal for summer entertaining - the doors open to the patio and garden.
The decked roof terrace of this two-bedroom flat is perfect for summer drinks while large windows and ample storage space make for a light and spacious interior.
Surrounded by approximately 15 acres of grounds, this six-bedroom grade II-listed home has been extensively refurbished yet retains many period features.
This four-bedroom home comes with a two-bedroom cottage and commercial office, with planning to extend, in a stunning courtyard setting.
In a pretty Norfolk village, this four-bedroom family home is surrounded by landscaped gardens, with even a self-contained annex for guests.
A few miles from the seaside at Perranporth, this four-bedroom farmhouse sits amongst nine acres of idyllic grounds - including a lake and two barns used as holiday lets.
This five-bedroom home is arranged over three floors of a converted Victorian hospital, offering spectacular views of the Pentland Hills - only three miles from the city centre.
This four-bedroom detached home comes with grounds that span to approximately 2.5 acres, as well as two large patio areas and a double garage.
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