Does the behaviour of my bank seem unfair to you?


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I have a bank account which I have not used for a few years. The bank sent me a letter informing me that my account was now officially classed a dormant and the money I have in it may go the government unless I re-activate the account. They told me to call into the bank with ID in the form of a passport or drivers’...


Answer (7):

 
?

Yes, Banks are f-----g shysters.
Recently I went to get a cheque made payable to myself in another building society (UK). arrived at the counter with my BS book, 3 forms of government issued photographic ID and the required others,(Bank statement, council tax, TV license as proof of identify) and got turned down., them saying we need your passport. When I said that they hadn't needed to see my passport when I deposited the money the reply was "Oh it's different when you want to draw it out, all to do with fraud checks". My reply was "well what if I don't have a passport (not everyone does)" they said "you can't get your money without one".
Again my reply was, "do I have to apply to the government to get a passport before I can have access to MY money?"
Reply "Yes."
Needless I have changed building societies.
Next I transferred some money from a current account to a building society, thought no more about it.
Went to a shop, tried to pay for my purchases, card stopped! (I had £8000 in this account, I was trying to spend £63!)
Screamed around to my local branch demanded to know why they had stopped my card, to be told to wait while the bank staff sorted it out over the phone.
THE BLOODY BANK COULDN'T EVEN GET THROUGH TO THE BLOODY HELP LINE!!!!
When I remonstrated with the staff, they replied "Well there's a helpline" I pointed they even couldn't get through and what bloody use was it, and if I was in an hotel in Singapore was I supposed to listen to bloody Mozart at a £1 a minute over a mobile phone?
Eventually they got through to some goon who told me, Wait fir it:
"We spotted an unusual spending pattern"
I have only used that card in the UK for th last 12 months. When I pointed out that I had used that card in South America, Australia and the USA previously, wasn't that an unusual spending pattern?
By no more than a little p----d off I demanded to know why no message had been sent to my or my wife's mobile phone to tell us the card had been stopped?
WAIT FOR IT:
"Oh we don't tell you so when you find out it's been stopped it encourages you to come to the branch and talk to us!"
Again I said "What if I was trying to use that card to pay airport tax in South Korea, I received equivalent of a "telephonic shrug."
Needless to say I closed that account there and then.
Boy am I pleased to get this off my chest; what was the question again?

 
erskine

Hi John
Can't you take some other form of identity? Utility bills which will also confirm your address or your library card?
Also,you can do your signature to prove that you really are you.
There is so much fraud these days and getting ever more sophisticated we can't really blame the banks for being ultra cautious with our money.
I was in a similar situation a while ago. The approach that worked for me: first thank the bank for safeguarding your money. Then inform the bank that nobody else would want to be you! List a few horrible things about your life but nothing too serious. Then your piece de resistance - produce your utiility bills with a flourish and let them witness your signature.
I hope this works for you. Good luck and best wishes.
Another thought. To get a passport we have to get our GP or a magistrate to sign that our photo for the passport is a true likeness. If the first method fails then you could try the signed photo route.

 
Kit Fang

It being out of date is a perfectly fair excuse for them not to use it. If it is out of date, it is no longer valid, and so cannot be used as proof of identification anywhere, not only in a bank.
The fact that it is still a passport is irrelevant - it is no longer valid, so very few organisations will accept it as proof of ID. Ask what other identification you could take with you, or re-new your passport. After all, what's to stop someone who looks a bit like you did ten years ago getting hold of your old passport and passing it off as their own?

 
MSAD

If the passport is out of date....then they do not have to accept it. That is perfectly valid.

As far as they know....you got hold of someones old passport book and used it to create a fake passport for yourself. You can't board a plan with an out of date passport. An out of date passport is no longer a valid form of ID.

Since you don't drive....go to your local DMV office - you will be able to get a state issued ID card. Then you can take that to the bank. You will also be able to use the State ID to get on a plane, purchase alcohol. Anything that requires official identification where a drivers license would normally be used.

 
daniel_dubv

well there are codes of conduct when it comes to most businesses and the banks are no exception....almost everything that requires identification....also requires that it be a VALID form of id...also i know that the relationship i have at my bank with the employees is great and know me by name...so i dont think this would happen to me...but good luck....FYI go to the DMV and get a 7 dollar id...then you will get a VALID ID

 
Natasha B(blocked by cowards)

Of course they are unfair in lots of matters. But to be fair the passport is out of date.
If you lost that passport and thought to yourself, "Oh well it does not matter it is out of date anyway." and someone is able to use it to commit some type of fraud in your name wouldn't you think, "How is that possible it is out of date why would anyone accept it?"

Thank you for reading my response.

 
Matt G

Every bank in the United States from the Fed on down is currently built on the sole premise of taking every penny they possibly can from you and putting it in their own coffers by any means possible. And I do mean ANY way possible, even some that are not FAIR or LEGAL if they can get away with it.