Banking under Enduring Power of Attorney

[Peter Tomlinson]

Roland Perry wrote:
> In article <49DE02FE.6040807@iosis.co.uk>, Peter Tomlinson 
> <pwt@iosis.co.uk> writes
>> But apparently NI # is all that DWP knows, even for a person 36 years 
>> past working age (until we have the NIR, that is).
> DWP uses the NI number as an index to their own records. Why a bank 
> thinks that such an internal index is proof of identity, I will leave 
> as an exercise for the reader. Obviously, the number often appears on 
> a letter (or other document) that contains someone's name and address, 
> but can the bank really authenticate the NI number (and therefore 
> weakly validate the entire document) by asking the DWP?
I have just spoken to my brother, who pointed out that there must be a 
national database of ISAs, used to spot anyone signing up for more than 
their tax free allowance, so maybe that is what the bank needs NI number 
for: to index the database (as well as hopefully 'proving' that you are 
entitled to have an ISA anyway).

Peter