NSFW
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Post by NSFW on Oct 10, 2019 16:41:28 GMT
I've had the 'send info' email - They're clearly making a meal of the AML checks. FC went through a money laundering check process recently - they were happy to confirm the bank account details. They accepted redacted emailed images of bank statements for this. * As long as the money is returned to the same account it originated from - no "laundering" has taken place. Why ask to see my passport? I'm 58 - I have half a dozen p2p accounts & a dozen plus other on-line financial things. I've never had to provide certified picture ID before. My potential return from lendy will be a few hundred pounds - who launders such a small amount? This process adds insult to injury. *PS. I failed the FC 'auto verify ID' as well - so had to provide the bank statement image. I believe (but not 100%) that auto verify of bank ID details fails if bank account is old - mine is 40 years old. British citizens aren't legally required to show photo ID like this. We don't even have true photo ID here. Passports are technically travel documents and a driving licence is... a driving licence! I think it's just laziness or ignorance that we're sometimes asked for photo ID. Even the ones for buying booze are technically proof of age and not ID cards.
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SteveT
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Post by SteveT on Oct 10, 2019 16:44:01 GMT
Had to request that a paper bank statement be posted to me and then (even more surreally) have a photocopy of that certified by the Post Office since their FCA-dictated process does not accept original documents. For an original document that is worthless to you, I don't see a need to make a certified copy at all - just send the original with a covering letter saying that you do not need it to be returned, and they can make as many copies as they want themselves, and ask whoever they want to certify that it's a true copy of the original they hold. Tried that! They just sent it back to me and insisted that I get a certified copy of it made instead. I even threatened a formal complaint and escalation to the FOS but it cut no ice: "Computer says No" The whole process seems designed to ensure that "someone else" bears the responsibility for certifying a copy, so that the requesting company can wash its hands of any subsequent AML issues that emerge.
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Post by GSV3MIaC on Oct 10, 2019 16:46:18 GMT
My partner had to GET a passport so that HL would pay her SIPP out as a pension .. they were quite happy to take the money for several years, and invest it (also run an ISA and a share account) but come time to turn it into an annuity, suddenly photo ID was required. She doesn't drive, and didn't have a current passport. Oh joy ...
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sl75
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Post by sl75 on Oct 10, 2019 16:50:38 GMT
The whole process seems designed to ensure that "someone else" bears the responsibility for certifying a copy, so that the requesting company can wash its hands of any subsequent AML issues that emerge. Hmmm... or perhaps more to the point in the current age of high-quality consumer-accessible printers, the responsibility of determining that the "original" is in fact a genuine document.
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rocky1
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Post by rocky1 on Oct 10, 2019 16:52:31 GMT
Last update I had from RSM said: "The Experian electronic checks are now taking place, following the completion of these checks by 20 September 2019, those who initially pass, will receive a confirmation email from the Lendy Team"
Has anyone actually had such a confirmation email yet?
i take it that i failed the Experian electronic check then as RSM notified me by email that they require more details now by post. did Experian post my report RSM ?surely these documents could be accepted by email as every other p2p platform has been satisfied with this method.also allow at least 21 days before contacting RSM if you still havent been emailed to say you have passed.this could go on for months with RSM stalling to release our funds.i have just emailed lendy support to ask if PO document verification service is acceptable so will wait for reply email before wasting more time and money. it seems emails are ok for everything else.
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nick
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Post by nick on Oct 10, 2019 17:01:33 GMT
Just received a response back from Lendy/administrators re using the Post Office certification service to certify the copy docs. As suspected, computer says no: Customer Support (Lendy Ltd) Oct 10, 16:58 BST Dear Nick Thank you for your email. I'm afraid our legal team will not allow us to accept the post office service in this matter. Please use as follows: ’Certified’ means certified by a responsible person such as a professional (Bank or Building Society official; Councillor; Minister of religion; Dentist or Doctor; Chartered Accountant; Solicitor or Notary; Teacher or Lecturer) that “the document is a true copy of the original” (this wording must be included). You need to be able to see the name, occupation and contact details of the person certifying in case of query, and the date of certification. Thank you for your cooperation in this matter. Kind regards, The Lendy Customer Support Team Lendy Limited (In Administration) e: support@lendy.co.uk w: www.lendy.co.uk |
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Post by thedon on Oct 10, 2019 17:07:54 GMT
’Certified’ means certified by a responsible person such as a professional (Bank or Building Society official; Councillor; Minister of religion; Dentist or Doctor; Chartered Accountant; Solicitor or Notary; Teacher or Lecturer) that “the document is a true copy of the original” (this wording must be included). You need to be able to see the name, occupation and contact details of the person certifying in case of query, and the date of certification.
They are asking for a responsible person. My child minder is a responsible person. And my mate in the pub is responsible for the next round so i should get him to sign it.
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MarkT
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Post by MarkT on Oct 10, 2019 17:10:37 GMT
I've just had one of these 'more info required' emails.
Considering releasing such information to third parties increases my risk of identity theft I won't be doing anything in a hurry.
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rocky1
Member of DD Central
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Post by rocky1 on Oct 10, 2019 17:13:59 GMT
RSM are really going to be be holding a lot of personal info on a lot of people here,what happens to this when they cannot get any more meat off the bone and call it a day.i hope they are being like this with the scamming platform leaders and borrowers.
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Post by Badly Drawn Stickman on Oct 10, 2019 17:15:51 GMT
Very easy to become a 'minister of the church' online for free, I might be able to offer a signing service and chuck in a free wedding (probably in America so I will want expenses paid)
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MarkT
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Post by MarkT on Oct 10, 2019 17:23:48 GMT
ok, so i need to prove who I am too. Despite still having the same address, the same single bank account,.... I only have £X00 left invested(!?) in Lendy, in the London loan. I will be replying to the administrators and telling them that I will comply with their requests when, and only when, they confirm to me that they actually have funds ready to pay to me. Otherwise it's a complete waste of my time and money. I suggest others in a similar situation do the same.
I'm in a similar situation. I'm inclined to do likewise but I'm going to give the whole thing a bit more thought over the next couple of weeks.
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TitoPuente
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Post by TitoPuente on Oct 10, 2019 17:32:06 GMT
They copied and pasted the non-exhaustive list of professionals from a random source based on some old Victorian era respectable professions.
Google shows a rather broader list of professionals that can certify a true copy:
• Accountant • Manager/personnel officer (of a limited company)
• Airline Pilot • Member, associate or fellow of a professional body
• Articled clerk of a limited company • Member of parliament
• Assurance agent of a recognised company • Merchant Navy Officer
• Bank/building society official • Minister of recognised religion
• Barrister • Nurse (RGN and RMN)
• Chairman/Director of a limited company • Officer armed forces (serving or retired)
• Chiropodist • Optician
• Commissioner of oaths • Paralegal (certified paralegal, qualified paralegal or associate member of Institute of Paralegals)
• Councillor (local or county) • Person with honours (OBE or MBE etc)
• Civil Servant • Pharmacist
• Dentist • Photographer (professional)
• Director/manager of a VAT registered charity • Police Officer
• Director/manager/personnel officer of a VAT registered company • Post office official
• Engineer (with professional qualifications) • President/secretary of a recognised organisation
• Financial services intermediary (stockbroker/insurance broker) • Salvation army officer
• Fire service official • Social worker
• Funeral director • Solicitor
• Insurance agent of a recognised company • Surveyor
• Journalist • Teacher, lecturer
• Justice of the peace • Trade union officer
• Legal secretary (fellow or associate member of the Institute of Legal Secretaries and PAs) • Travel agent (qualified)
• Licensee of public house • Valuer or auctioneer (fellows and associate members of the incorporated society)
• Local government officer (including register office staff) • Warrant Officers and Chief Petty Officers
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rocky1
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Post by rocky1 on Oct 10, 2019 17:34:49 GMT
i was a pub landlord and licensee for many years and verified many customers details and photos for passports etc and never had one problem. it seems i was a responsible person according to the government,police checks,local councils etc.not it seems good enough for Experian according to RSM.i still hold my licence and my wife is also a personal licence holder so maybe we can verify each other.i will email lendy support and ask if that is allowed.
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elsee
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Retired:D
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Post by elsee on Oct 10, 2019 17:50:11 GMT
I failed too. Over 30 years at the same address and bank. My husband is a teacher - tempted to get him to do it. It doesn't say they can't be related to you. I have 76p in my account and expecting about £50 from HQ, anything else looks like years away..
Seem to be lot of forumites who failed.
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NSFW
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Post by NSFW on Oct 10, 2019 17:58:55 GMT
An original Lendy-linked bank statement should be enough but of course that's too straightforward and logical.
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