Watty
Member
- Location
- North Devon, UK
Just a heads up, when you sign in for the new CAP system you will have to re-register - no surprise there - but they are not using the Gov't Gateway information which you use now. The BETA version makes you register through an identity verification company (currently only Experian but they say more to come). To register they may ask you some very detailed financial information such as
About your finances
You may be asked questions about:
• your personal bank current account number and/or credit card numbers
– you’ll only be asked for part of your account numbers (you will never be
asked for your full account details). No payment will be taken from your
account.
• when you opened bank accounts (including ones that you’ve closed).
• loan and mortgage details including credit limits, payment amount, the
amount left to pay, who it’s with – you may also be asked about previous
loans and mortgages that you’ve paid off.
• store cards, including ones you’ve used in the past.
• utility bills showing your name and the address being registered (phone,
gas, electricity, water etc).
If you’re not sure about any questions, don’t try to guess the answers. If you
answer wrongly, you won’t be able to continue. If this happens, or you have
any other problems, call Experian on 0344 481 8192.
Once you’ve verified your identity, it’s fast and simple to use the same
company every time you need to access a government service online.
I object to this level of financial detail and have let CAP people know. They tell me there is nothing they can do about it and that's the way the system is set up, so you may wish to make sure you have all this information around you when the time comes in case you get asked. Apparently, I am not the first one to complain about this section but again I am told there is nothing that can be done.
Note also part of the questions may be details of bank accounts you have closed, loans and mortgages you have paid off and there's no option for 'Sorry I can't remember' or 'Don't know'.
About your finances
You may be asked questions about:
• your personal bank current account number and/or credit card numbers
– you’ll only be asked for part of your account numbers (you will never be
asked for your full account details). No payment will be taken from your
account.
• when you opened bank accounts (including ones that you’ve closed).
• loan and mortgage details including credit limits, payment amount, the
amount left to pay, who it’s with – you may also be asked about previous
loans and mortgages that you’ve paid off.
• store cards, including ones you’ve used in the past.
• utility bills showing your name and the address being registered (phone,
gas, electricity, water etc).
If you’re not sure about any questions, don’t try to guess the answers. If you
answer wrongly, you won’t be able to continue. If this happens, or you have
any other problems, call Experian on 0344 481 8192.
Once you’ve verified your identity, it’s fast and simple to use the same
company every time you need to access a government service online.
I object to this level of financial detail and have let CAP people know. They tell me there is nothing they can do about it and that's the way the system is set up, so you may wish to make sure you have all this information around you when the time comes in case you get asked. Apparently, I am not the first one to complain about this section but again I am told there is nothing that can be done.
Note also part of the questions may be details of bank accounts you have closed, loans and mortgages you have paid off and there's no option for 'Sorry I can't remember' or 'Don't know'.
What do Noddle get out of it? And why should historical credit history matter? It's a bit like having someone rummage in my handbag. There's not much in there but it feels a bit like a personal violation.