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  • Buy-to-Let

    Odd request?

    I'm in the early stages of buying a house cash and the EA has come back and said the vendor has requested a certified copy of my id. I asked why they want this and they said they are a corporate client and it's in their terms. 

    Am I won't for thinking this is a strange request? Feels a bit weird to have to send a certified copy of my id to an unknown entity
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    This may well be part of the anti Money Laundering legislation.

    Is the vendor/Corporation based in UK or elsewhere?


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    I don't know where or who they are. Just told that as I am 'out of town' that they require certified id (I live in a different part of the UK to the house). 

    I would have thought the AML checks would all be done by solicitors which is fine by me. Had the request come through my solicitor then I wouldn't have had an issue
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     You can go online with Land Registry and for a card payment of £3 get a copy of the Title Deed for the property

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    Yeah I can do. My issue isn't surrounding who they are. It's the nature of the request that up until now I've never heard of having to do
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    This is an extremely unusual request.

    I am sure it will be something to do with AML however it will breach GDPR as the vendor in their capacity does not have a legal basis to process your data and therefore they cannot be permitted to have a copy of your ID.

    You can go back to the EA as you have a legal responsibility to supply this to them but state that you do not authorise them to pass this data onto the vendor.

    You do permit however for the EA to inform the vendor that you have passed the necessary checks.

    If you were dealing direct with the vendor with no EA it may be a different thing, but as there is an EA involved the vendor does not have standing for AML. They need to leave this to their solicitor or EA.

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    Landlord with 25 years’ experience in the property market and a specialist in tenant referencing, ID and credit screening. Creator of identity, credit and anti-money laundering system ValidID.co.uk

    Hmm yeah I thought it might be something like this. I have already done proof or funds and Id with the EA as well as told them who my solicitor is. 

    Guess i will just tell them to talk to my solicitor if they have any concerns and deny them their odd request
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    The agents sometimes interfere to try and fast forward stuff which they think may slow things up 

    Probably have the best intentions and they just want to keep their corporate clients happy

    I would say...

    Of course I will do that tomorrow but with GDPR and all that  I prefer to send it through  my solicitor first

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    Jonathan Clarke. http://www.buytoletmk.com

    Hello Dan N,

    Are you sure it isn't the estate agent requesting this info?  They're required to obtain this info from sellers and buyers, to comply with the Money Laundering Regulations.  It shouldn't be provided to the vendor, by the EA though.

    Best,

    Helen

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    Helen Godbold-Eade

    Freelance Administrator for Property Investors / Entrepreneurs

    http://www.like-clockwork.co.uk

    Find me on LinkedIn: http://www.linkedin.com/in/heleneade/

    Reply thanking them for their kind request and saying you will of course comply when you've had certified  copies of agent's & vendor's IDs.  They clearly think it's a reasonable request, why on earth would they object?

    NB.  Be careful: Someone might be up to identity theft then fraud in your name.

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    It's definitely coming from the vendor. It's a repo and the EA confirmed that it's for their own AML checks. 
    My solicitor has reassured me that it's reasonably normal for a corporate company to want something like this. Not super thrilled about it myself but I guess if I want the house what can I do!
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