Banking under Enduring Power of Attorney

[Roland Perry]

In article <50496472ecroger.hird@argonet.co.uk>, Roger Hird 
<roger.hird@argonet.co.uk> writes
>> 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).
>
>It's ten years plus since I looked at this but I thought that then there
>were roughly twice as many numbers on the NI register as there were people
>entitled to have such a number.

It's not quite as bad as that. According to a PQ ten years ago there 
were 82m IN Numbers, comprising:

47m adults
14m deceased (of living partner)
13m children (subject to Child Benefit claim)

So that leaves about 8m duplicates and other "uncleaned" numbers.

>If it were worth doing it ought not to be beyond the wit of a cunning 
>criminal to obtain a couple for nefarious purposes.

But how many people taking a punt on getting two ISAs from different 
banks qualify as "cunning criminals"?
-- 
Roland Perry