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Post by rhea117 on Oct 13, 2019 8:59:49 GMT
Lawyers love receiving letters like that, since each takes significant time to look into and answer, and time = £££ which then is simply charged against recovery proceeds. How exactly is it in your (and other Lendy lenders') interests to help the Administrators grow their fees? The pragmatic response is to spend £10 getting 2 certified copies as requested and post them back. Agreed. It leaves a sour taste but they have us over a barrel. And if you don't want to give accountants and lawyers £10 for 2 or 3 minutes work, try your bank. Santander who I bank with, signed off my documents and did not charge. And my bank account linked to Lendy is not even with them, just my personal current account is.
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mrk
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Post by mrk on Oct 13, 2019 9:06:47 GMT
Why does it matter a platform gives out account numbers or identifies investors by their email address? Email addresses can be changed (theoretically). Names can be duplicated. A designated account number is unique and non-changeable. Sure, but why should a platform be required to give the account ids to customers, rather than just keeping them for internal use? If investors can log in with their (unique) email, and are able to change their email, that seems sufficient to me.
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Mucho P2P
Member of DD Central
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Post by Mucho P2P on Oct 13, 2019 10:01:52 GMT
Email addresses can be changed (theoretically). Names can be duplicated. A designated account number is unique and non-changeable. Sure, but why should a platform be required to give the account ids to customers, rather than just keeping them for internal use? If investors can log in with their (unique) email, and are able to change their email, that seems sufficient to me. For tax reporting on self-assessment forms.
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cwah
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Post by cwah on Oct 13, 2019 11:56:12 GMT
My 2 banks metrobank and lloyds don't do certification.
I've also been advised by rsm that they don't accept the post office.
Where can I do that in london?
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Mucho P2P
Member of DD Central
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Post by Mucho P2P on Oct 13, 2019 12:18:56 GMT
My 2 banks metrobank and lloyds don't do certification. I've also been advised by rsm that they don't accept the post office. Where can I do that in london? You may have to pay a Solicitor to certify for you, most small firms will do so for non-clients, London price about £8-£15 depending where in London. Alternatively, if you know a "professional" an a social basis, they will probably certify for you free of charge.
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iRobot
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Post by iRobot on Oct 13, 2019 12:25:37 GMT
My 2 banks metrobank and lloyds don't do certification. I've also been advised by rsm that they don't accept the post office. Where can I do that in london? Are you still self employed? If so, your accountant should be able to certify docs for you. (Assuming you have an accountant and they are qualified, of course!)
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cwah
Member of DD Central
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Post by cwah on Oct 13, 2019 13:26:01 GMT
My 2 banks metrobank and lloyds don't do certification. I've also been advised by rsm that they don't accept the post office. Where can I do that in london? Are you still self employed? If so, your accountant should be able to certify docs for you. (Assuming you have an accountant and they are qualified, of course!) I do my account myself so no accountant. I think I need to go to a solicitor. First time I do that for certification but hey, it's for RSM! Any solicitor you recommend?
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travolta
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Post by travolta on Oct 13, 2019 13:28:29 GMT
Your Doctor might do it for £25.00.........just to identify you as a real person.
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sydb
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Post by sydb on Oct 13, 2019 15:16:43 GMT
Sure, but why should a platform be required to give the account ids to customers, rather than just keeping them for internal use? If investors can log in with their (unique) email, and are able to change their email, that seems sufficient to me. For tax reporting on self-assessment forms. Also, I have received zero emails from RSM. When Lendy was running, I would receive some emails but not others (I know this from comments on this forum). I have no confidence they even have my email address in the right database. All I know is that the login database works for it. Theoretically, an email address can be re-assigned to a different individual. Also, Lendy would likely have been able to change an account's email address. This is not possible with a unique reference number created solely to be a unique identifier for an account. Lendy has that, and I have that; there can be no historic confusion when we need to communicate. And once you have a unique reference for an account, why would you not share this with the account holder for future reference purposes by both parties (and as can be used for identification by any authorised official body)? You're questioning the most basic philosophy of account identification. You're not number 6, are you? He, too, didn't like being a number.
Be seeing you.
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iRobot
Member of DD Central
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Post by iRobot on Oct 13, 2019 15:18:31 GMT
As previously mentioned, I've not had any requests from RSM, but note from previous posts that RSM wording is: " ’Certified’ means certified by a responsible person such as a professional" Company Directors are certainly considered 'a responsible person' and there's a good chance you'll be working with other self employed colleagues who'll probably have Ltd Cos. Would they Certify for you? A guide to how they need to mark up the documents ( source): If you're really struggling, find out where and when your local branch of the Lions or Rotary club meets and pop along. There'll be any number of bank officials, doctors, solicitors etc etc there who'll probably only be too happy to certify for a tenner donated to the club's adopted charity. |
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Post by trainman on Oct 13, 2019 16:13:23 GMT
hi i got verification notice but dont fully understand what info they need with regards to statements,if i print statement off do they want to see all my direct debits or can i blank everything out and sent just the details on top of statement any advice will be helpfull thank you
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greatmarko
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Post by greatmarko on Oct 13, 2019 16:34:28 GMT
hi i got verification notice but dont fully understand what info they need with regards to statements,if i print statement off do they want to see all my direct debits or can i blank everything out and sent just the details on top of statement any advice will be helpfull thank you They have demanded a "full unredacted document" - which if you take at face value means no, you can't blank anything from it - which is just crazy! Now, my bank - in addition to sending me monthly account statements - also send me an "annual summary of charges & interest" statement once a year, which happened to arrived last month. This "statement" has my name, address, account number, etc on - but no actual transactions - just a simple summary of how much interest my account receives (none) and the monthly account fee they charge... so this is the "bank statement" that I've sent as there's nothing on there that I'm concerned about wanting to redact, but still ticks all the other boxes! 
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mrk
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Post by mrk on Oct 13, 2019 18:06:06 GMT
For tax reporting on self-assessment forms. Also, I have received zero emails from RSM. When Lendy was running, I would receive some emails but not others (I know this from comments on this forum). I have no confidence they even have my email address in the right database. All I know is that the login database works for it. Theoretically, an email address can be re-assigned to a different individual. Also, Lendy would likely have been able to change an account's email address. This is not possible with a unique reference number created solely to be a unique identifier for an account. Lendy has that, and I have that; there can be no historic confusion when we need to communicate. And once you have a unique reference for an account, why would you not share this with the account holder for future reference purposes by both parties (and as can be used for identification by any authorised official body)? You're questioning the most basic philosophy of account identification. You're not number 6, are you? He, too, didn't like being a number. Just curious. There is at least one investment platform where I'm pretty sure I've never seen my account number. And there are plenty of (non-financial, but still important) websites where you have no other id than your email to log in. As for Lendy, I'm still waiting myself for the email about my check results.
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Post by dan1 on Oct 13, 2019 22:10:23 GMT
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NSFW
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Post by NSFW on Oct 14, 2019 6:33:02 GMT
That's a bit rich considering the Tories repealed Labour's Identity Card Act 2006 and that's why we have no official photo ID in this country.
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