What do you use for ID when....

[Hover Fly]

Maybe we should have we should have something stamped on our foreheads as well

THEY are waiting until gps trackers are small enough before insisting their subjects have the chip injection, as dogs and cats do now.

 

[MontyVeda]

THEY are waiting until gps trackers are small enough before insisting their subjects have the chip injection, as dogs and cats do now.

if we've nothing to hide i can't see a problem with that

 

[YMFB]

The ‘nothing to hide, nothing to fear’ argument is a ridiculous one.

With it you are saying that there is not a single aspect of your existence that you would not freely divulge to people you don’t know and have no control over how they interpret your information.

You shouldn’t be so eager to surrender your civil liberties.

I’m not suggesting surrendering anything

 

[presta]

Some more detail.

On 2.5.25 I went to the ATM for some cash, but it refused my card because there's a crack in the magnetic stripe. I'd noticed it, but wrongly thought that chip & pin machines don't use it. So I went inside and asked to withdraw cash over the counter:

"Driving licence please"
"I don't have one", and I offered my bus pass.
"It has to be a driving licence"
"Well I haven't got one"
"Mutter mutter, we'll have to ask you some security questions, how much was the last payment into the account"
"Pension about £1000, & a couple of premium bonds, but I can't remember the amount"
"What's your overdraft limit"
"Dunno, I've never been overdrawn"
"Any other accounts?"
"Not other than a Lloyds credit card"

That got me a cash sum of £180, and then they ordered me a new card.

Roll on last Friday, and I needed some more cash but the new card hadn't arrived, so I took a cheque to try instead.
"Why can't you use the ATM"
"Card broke"
"Driving licence"
I went through exactly the same palaver and questions and answers as last week, but this time they refused to budge, and I had to settle for £50, which is the limit with no ID.
"You gave me £180 last week"
"Rules is rules"

presumably there's a reason you cash cheques rather than using an atm, but cheques are an easy target for fraudsters, which is why banks want id

As above.

you mention 'medical grounds', is there no doctor who can verify id for a passport? nurse? social worker? optician? pharmacist? etc., even your bank can do it

Referees have to have known you for two years, doctors are here today gone tomorrow, I've flogged this one to death several times before over the years. When I got photos signed for my driving licence 20 years ago I asked a librarian, but they're here today gone tomorrow too these days. Even in the days when we had family GPs, mine was difficult and obstructive about signing the photos for my passport in 1984. It's the same problem getting certified photocopies of documents.

Have you considered this? 👉: https://www.citizencard.com/

It might work, but it's not on Lloyds list, and given the inconsistent behaviour of the staff, there's no way of knowing I wouldn't get let down when I need it.

Why did you not pay the cheque (what's that lol) in your account, then withdraw with your card at an ITM.

As above.

They accepted her OAP bus pass

Lloyds do or don't depending on your luck.

The list of what they're allowed to accept as viable ID wasn't chosen by the banks, but imposed on them

The FCA have told me that there's no official list, it's up to individual banks.

As for everyone carrying ID cards to suit your needs, why should we.

Why should I have to carry a driving licence?

Say an old passport that's out of date is still photo id right?

Nope, I've done that one to death years ago.

The medics can't give you proper treatment as they don't know what meds you take, or can't take.

You don't even need to be unconscious, go on holiday to Scotland, and the Scottish NHS can't access your English NHS records.

if you arrive at A&E they treat you no matter who you are or what's wrong with you

And if they don't know you're allergic to the drugs they're giving you?

I'd suggest getting a passport

They're a bit bulky to carry around all the time just in case you need it.

you don't need a signature, as long as your appearance hasn't changed more significantly than normal ageing

What about 41 years of normal ageing?

I have ID so the government can get me

They don't need ID cards to do that.

This thread is as much about a car-centric society that takes it for granted everyone drives as it is about ID.

 

[classic33]

The FCA have told me that there's no official list, it's up to individual banks.

Why should I have to carry a driving licence?

Not what I was told, when working for them. There's a list of approved means/methods for verification purposes, and they're allowed to choose from that.
Nip in and ask for a copy of their verification process. There'll be a fuller list of what the branches have to accept as ID in that.
It may start or end with wording like "this list is to serve as a guide and is not exhaustive". But everything in there can be used at branch level, as long as it's valid. Driving licences were on that list long before they carried a photo.
The anomaly I liked, and it's used elsewhere, is a Birth Certificate. An item which along the bottom has the wording "WARNING: A CERTIFICATE IS NOT EVIDENCE OF IDENTITY".

As for why you're required to carry a driving licence, it's part and parcel of getting one issued in the first place. The "contract" that allows you to drive on the roads.

 

[classic33]

Try the Prudential Regulation Authority, see what they recommend you do.

 

[wiggydiggy]

I went through exactly the same palaver and questions and answers as last week, but this time they refused to budge, and I had to settle for £50, which is the limit with no ID.
"You gave me £180 last week"
"Rules is rules"

Time to roll out the quill and parchment as that's a good complaint there, write to them. You've got evidence of them allowing you one thing, then refusing the same thing when asked again. Plus the wait time for a new card is too long.

I'm not saying you'll suddenly be able to withdraw £180 again without the ID they want, but you will be able to kick up a fuss as to why they let you do it in the first place.

They're a bit bulky to carry around all the time just in case you need it.

You don't need to carry it around, but in this case you could have taken it with you.

 

[presta]

Nip in and ask for a copy of their verification process. There'll be a fuller list of what the branches have to accept as ID in that.

This is what Lloyds have to say about ID, none of which addresses my point that having to carry a filing cabinet full of documents around everywhere on the off chance you may need them, and that they may or may not be accepted on the whim of the bank teller, doesn't constitute friction-free access to what you need when you need it.

As for why you're required to carry a driving licence, it's part and parcel of getting one issued in the first place. The "contract" that allows you to drive on the roads.

So people who don't have a licence, and don't drive, are required to carry a driving licence?
I see, silly me.

You don't need to carry it around

I do if I want friction-free access at the point of need.

 

[presta]

Try the Prudential Regulation Authority, see what they recommend you do.

Will the Bank of England be able to tell me what ID Youth Hostels will accept when I tell them I don't have a driving licence?

 

[Pat "5mph"]

@presta has your new card arrived yet?
If it has, we can close this thread
On the by, in the unlikely event that your card breaks again, what about adding it to your Google wallet or whatever Apple uses?
You can then pay with your phone.
Handy too, should you forget the card at home but want to buy something.

 

[Pblakeney]

I think I last went into a bank branch, maybe 2016. Maybe earlier.

 

[Time Waster]

Does that work on a dumb phone? Google wallet that is.

 

[Yellow Fang]

I would suggest one of those warning letters from the BBC to say you have left them with no choice but to send the goons round, and woe betide you if you're watching telly. The problem is they don't know who you are. Your name is not on the letters.

 

[classic33]

Will the Bank of England be able to tell me what ID Youth Hostels will accept when I tell them I don't have a driving licence?

Either the Prudential Regulation Authority or the Financial Conduct Authority will, assuming that the YHA is governed by their rules/regulations.

As for

This is what Lloyds have to say about ID, none of which addresses my point that having to carry a filing cabinet full of documents around everywhere on the off chance you may need them, and that they may or may not be accepted on the whim of the bank teller, doesn't constitute friction-free access to what you need when you need it.

So people who don't have a licence, and don't drive, are required to carry a driving licence?
I see, silly me.

You were taking money into them in the first example you gave. Paying in more than you wanted to take out. In the second you were only withdrawing. You could have verified yourself in the branch, using their card readers, which work off the chip, not the strip.
The T&C's of the card you were issued with for your account, will list what you are required to do when you damage your card. Also what the bank will be required to do. Check the agreement you signed when you opened the account. It'll be in that filing cabinet you carry everywhere.
"Friction free access" is you becoming lazy in your ways. I preferred the passbooks, and going in to the branch for cash.

You want to drive, you need the licence. Part and parcel of driving these days.
Silly you indeed.

I don't drive, never have, and I've never had a licence either. All because I don't drive. And I don't carry "a filing cabinet full of documents".

 

[simongt]

I hope you don't cycle solo. Or get hit crossing the road.

As I invariably have my cellphone on me which has the I.C.E. app., so nae worries.
It's frequently the first thing first responders will look for with an unconcous person.
Having said that, I did have I.C.E. on dogtags for several years and when I was knocked off my bike in 2018, I pulled said dogtags out in case I relapsed into unconcousness again and the police were most impressed - !