From: john boyle 
Newsgroups: uk.legal uk.finance
Subject: Re: getting bank account / debit card
Date: Sun, 5 Mar 2006 12:52:33 +0000

In message , 
axel@white-eagle.invalid.uk writes
>In uk.legal john boyle  wrote:
>> In message ,
>> axel@white-eagle.invalid.uk writes
>
>>>Let us take a typical example... a student arriving at a university
>>>for the first time and opening his first bank account will probably
>>>have little difficulty even though he cannot produce proof of his
>>>address.
>
>> I notice the use of the word 'probably'. I think you will find that the
>> student would have as much trouble as anybody else. The answer is to
>> open the account based on your parents address.
>
>Er... two points... Firstly I have not heard any complaints of
>students being unable to cash their grants cheques (or loans... I
>have no idea what it is these days).

Thats because they satisfy the Money Laundering regs. My direct 
knowledge is that students must have the same ID as everybody else, the 
situation is not as you described in your previous post. In my direct 
experience students always DO have the right ID, so there is no problem.
>
>Secondly why would someone's parents' address be useful... does
>the student have utility bills there?

It doesnt need to be a utility bill, it can be loads of things with the 
address on.

In reality most university students will already have a bank account.


>Does he even stay there for
>more than a few weeks a year? Would the person of the same age who
>is living in a hostel for most of the year be able to avail himself
>of the same procedure?

He would have established his address at the hostel.
>
>>>Now the same person were he not a student would not find
>>>it easy, probably even impossible, to open a bank account, all
>>>other things being equal. Why? Because the banks want students to
>>>take out accounts with them in the hope of a profitable relationship.
>
>> No, the ML regs are strictly enforced for everybody.
>
>No, they are not enforced in the same way for everyone.

Evidence? All you have offered so far is your personal view, supposition 
and assumptions.
>

-- 
John Boyle