Post by: BeachLife on May 04, 2015, 10:58.
I am with BBVA and have in the past had to register passport details for both myself and Sue - but is something else happening ?
I am led to believe that accounts are being "frozen" if details are not provided ...
Post by: burchd on May 04, 2015, 11:23.
Please look at this thread.
http://www.gasbags.us/index.php?topic=336.0
Post by: sunseekers on May 04, 2015, 11:29.
Post by: Denise on May 04, 2015, 12:45.
Post by: Aficionado on May 04, 2015, 17:54.
This is indeed a legal requirement to do with money laundering and will be repeated on a rolling basis, I think every 5 years or so, to keep files up to date.
Post by: Philndeb on May 04, 2015, 20:23.
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Post by: Tony Gillam on May 05, 2015, 07:53.
Post by: sunseekers on May 05, 2015, 10:40.
Post by: David D on May 05, 2015, 11:21.
Regards
Dave
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Post by: Aficionado on May 05, 2015, 13:41.
Post by: Alicante Holiday Villas on May 05, 2015, 13:55.
Post by: kevinb on May 05, 2015, 20:07.
Post by: Arab on May 05, 2015, 22:01.
Post by: Aficionado on May 05, 2015, 23:36.
Spoke to Bankinter today they need a form signed by my wife and emailed back stating she does not work and a payslip or P60 from me, awkward as i am self employed.
They all seem to be doing it differently, I am self employed too and all Deutsche Bank have asked me to do is sign a declaration to that effect, to date no supporting evidence has been requested, although I suppose it could yet be.
If you need something, ask HMRC for an SA302 for 2013/14, it should do the job.
Michael.
Post by: dillesti on May 08, 2015, 16:00.
Why they don't tell me to make some complicated calculations like convert kilojoules to kilocalories like ninjaunits.com does (http://www.ninjaunits.com/energy-conversion/convert-kilojoules-kilocalories/). They are too absurd.
Post by: Aficionado on May 08, 2015, 16:20.
Post by: puddy-woo on May 08, 2015, 19:02.
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Post by: Spurs on May 08, 2015, 19:37.
Post by: John H on May 09, 2015, 10:15.
The only problem was when I tried to log on to online banking was I couldn't
Without telling me they had decided that my new user name was my passport number
Regards all
John
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Post by: Tony Gillam on May 13, 2015, 07:51.
Post by: mike and judith on May 13, 2015, 11:01.
I've just had my 5th visit to the bank in 10 days!
Problems have been mainly to do with community (business) accounts which I countersign on line. AsJohn says, they seem to change willy-nilly your log in between NIE & passport now.
Today was unable to access personal account on line. Yet another tree's worth of paper, & another password change.
Have told them if I have to go back again, I will expect my own desk.
I wonder how many people will have gone to find that the information demanded is already held on record by the bank?
Happy days
Sun is shining, the sea is swimmable temperature, just wish my golf would improve.
Post by: John H on May 13, 2015, 12:31.
Bought quite a few items on the debit card in the last week, tried to pay for a new oven and hob yesterday on the card.....plenty of cash in the bank.....the card was rejected, I had to pay on a UK card.
I went to the bank to find out why, apparently I had gone over my spending limit!!!
On a debit card????
It will take two or three days before the block is lifted #onlyinspain
Regards all
John
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Post by: Philndeb on May 13, 2015, 15:35.
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Post by: granalacant on May 13, 2015, 18:52.
Another banking issue!!!!!
Bought quite a few items on the debit card in the last week, tried to pay for a new oven and hob yesterday on the card.....plenty of cash in the bank.....the card was rejected, I had to pay on a UK card.
I went to the bank to find out why, apparently I had gone over my spending limit!!!
On a debit card????
It will take two or three days before the block is lifted #onlyinspain
Regards all
John
Sent from my iPhone using Tapatalk
Yes John, you have daily limits in Spain on debit cards - for daily cash use and for buying things. Two different limits. The reason being that you would come crying should someone steal your card, and all your money would be gone.
You signed for those limits (yes you did), and you can change the limits every time you want.
I for example do it when going abroad - I then raise the limits, and when I am back in Spain I bring them down because if I need more money, I can do it in a minute. At least with INGdirect I can.
The system has been in use for at least 2 or 3 decades.
Do you really mean that if you lose your debit cards in the UK, you can lose ALL your money? Only in the UK!
Post by: GAMagazine on May 13, 2015, 19:45.
Post by: puddy-woo on May 13, 2015, 20:30.
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Post by: granalacant on May 13, 2015, 22:27.
The cards wdnt be any use without a pin!!
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of course. And some people write the down. Which of course makes it even more ... problematic.
normally (I know, stupid word) people know what they are going to spend. Or approximately. And see to it that they have the limit that is needed.
Ok, I have 3 accounts with the same bank. On the two where i hold card (both debit, don t want credit cards) I have hardly any money. The money is in the 3rd account. Using my iPad and 3 or 4 control systems, when I need to pay for something, I transfer the money and pay with my card.
The reason: some 30 years ago, in England (you know, where there is no limit on cards etc.) they stole my American Express card and used it to buy some 10,000 euros at the current exchange rate. Or - some 25,000 euros a present value. Without the person having to show his passport, any identification etc. Just a signature which was copied from the back of the card. As my normal signature is about 4 cms high, and the person buying was hmmm black, there was no question it was me. It took me half a year to get the money back on my account.
Now go to your bank and tell them THAT is the system you want, instead of mine. Post a picture of how they look at you :-)
Post by: John H on May 14, 2015, 07:12.
Regards all
John
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Post by: granalacant on May 14, 2015, 08:28.
The crazy thing is when we've been having work done I've often had €2,500 to €3,500 out of the hole in the wall with no problem......yet spend €2,000 on kitchen units and the like and I've overspent, there's no logic in it to me.........had my card been stolen the top of the tea leaves list is cash, not goods they'd be lucky to get 25% of the value of #mustbeaspanishthing
Regards all
John
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unless they are in dire need of a new kitchen ...
Post by: granalacant on May 14, 2015, 09:34.
The card goes to a pre-arranged merchant, and gets there used to the maximum. The man with the card does not even leave with the goods, he simply gets his commission.
Of course, never happens in the UK or in England....
Incidentally, most of the cash machines have cameras so banks can identify the person making the withdrawal. That is why there is a different limit on cash withdrawals and buying goods. And you may have heard that some gangs install equipment to check the PIN number when you take a cash withdrawal etc. etc. etc.
Any safety measure is ok with me - might be a bit annoying but as said, this one about the limits has been in for decades. And (as a user) I honestly don' t see why that contract and policy should be changed. Again, with an iPad or an iPhone you can (at ING) change the limit in a minute or put more cash on the account you have the card with. At ING transfers between accounts are immediate. There have been occasions where I do it just when queuing at Mercadona or El Corte Inglés. It literally takes less than a minute.
I am - in all honesty - wondering what the fuss is about.
Post by: granalacant on May 16, 2015, 17:58.
Post by: bigboy on May 16, 2015, 18:41.
funnily enough I ran upto the limits here in Alicante in Alcampo - forgot I had bought a few things in Adidas and in Tommy Hilfiger. Took a few seconds to change the limit on my iPad and that was it.
In your dreams !
Post by: John H on May 16, 2015, 21:43.
Regards all
John
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Post by: granalacant on May 16, 2015, 21:48.
Post by: mike and judith on May 17, 2015, 21:45.
Thankfully he's matured & now buys clothes that suit with or without a brand.
Wish the world would grow up & maybe it could lead to a solution in the problem:-
Need to keep employment going versus
Don't want to exploit child labour.
We ALL need to grow up, & not go with Hello magazinr
Post by: Corporal Jones on May 17, 2015, 22:07.
Post by: granalacant on May 17, 2015, 22:51.
Just today read that the electronics division of Samsung is getting out of the red figures because they have won a contract to supply ... Apple.
Working with Apple since 1984 and not changing. Another figure: about 95% of worldwide profits on smartphones is made by one single company. Guess which one. Of course if you buy like some people, the cables in a chinese shop you can have some problems.
Post by: mike and judith on May 17, 2015, 23:05.
Post by: granalacant on May 17, 2015, 23:41.
What's that got to do with teenagers clothing?
Exactly my point .-) Someone is drifting away from the thread which is about banks, banking issues.
I did not mention teenager's clothes ... Let us stick to banking and how modern technology has its ups and downs ... and not all is bad :-)
Post by: mike and judith on May 18, 2015, 00:05.
Think either the ray bans are too dark, or you've put the Levis on upside down.