Banking under Enduring Power of Attorney

[Roland Perry]

In article <49DE29AE.4030405@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).

I'm sure they can police ISAs in other ways. And a database related to 
taxation would be better off using people's tax reference.
-- 
Roland Perry