For most of the last decade, one of my side projects has been FreeDeedPoll.org.uk, a website that helps British adults to change their name for free and without a solicitor. Here’s a little known fact: as a British citizen, you have the right to be known by virtually any name you like, and for most people the simplest way to change it is to write out a deed poll: basically a one-person contract on which you promise that you’re serious about adopting your new name and you’re not committing fraud or anything.

Over that time, I’ve helped thousands of people to change their names. I don’t know exactly how many because I don’t keep any logs, but I’ve always gotten plenty of email from people about the project. Contact spiked in 2013 after the Guardian ran an article about it, but I still correspond with two or three people in a typical week.
These people have lots of questions that come up time and time again, and if I had more free time I’d maintain an FAQ of them or something. In any case, a common one is people asking for advice when their high street bank, almost invariably either Nationwide or Santander, disputes the legitimacy of a “home made” deed poll and refuses to accept it.

When such people contact me, I advise them of a number of solutions and workarounds. Going to a different branch can work (training at these high street banks is internally inconsistent, I guess?). Getting your government-issued identity documents sorted and then threatening to move your account elsewhere can sometimes work. For applicants willing to spend a little money, paying a solicitor a couple of quid to be one of your witnesses can work. I often don’t hear back from people who email me about these banks: maybe they find success by one of these routes, or maybe they give up and go down one an unnecessarily-expensive avenue.
But one thing I always put on the table is the possibility of fighting. I provide a playbook of strategies to try to demonstrate to their troublemaking bank that the bank is in the wrong, along with all of the appropriate legal citations. Recent years put a new tool in the box: the GDPR/DPA2018, which contains clauses prohibiting companies from knowingly retaining incorrect personal data about an individual. I’ve been itching for a chance to use these new weapons… and over this last month, I finally had the opportunity.

I was recently contacted by a student (who, as you might expect, has more free time than they do spare money!) who was having trouble with Santander refusing to accept their deed poll. They were willing to go all-out to prove their bank wrong. So I gave them the toolbox and they worked through it and… Santander caved!
Not only have Santander accepted that they were wrong in the case of this student, but they’ve also committed to retraining their staff. Oh, and they’ve paid compensation to the student who emailed me.
Even from my position on the sidelines, I couldn’t help but cheer at this news, and not just because I’ll hopefully have fewer queries to deal with.
Forcing people to have deliveries sent to their registered address cuts down on card fraud, which is moderately freqent at mail order computer hardware stores on account of the high value, discreetness, and availability of the goods. It’s not possible to accurately perform such checks on credit cards, but it’s easy to with debit cards.
Many banks give special dispensation on their student accounts; allowing them to – for example – submit two addresses which they will automatically switch between throughout the year – or allow two registered addresses to function for card checks (while still delivering the statements to one). Ask your bank if they can do this, and, if they can’t, write a letter to inform them that there are banks that can. If you’re not willing to let your feet do the talking, there’s no way to let these large organisations listen to you.
There’s no reason not to own a credit card unless you feel you cannot trust yourself to do so – or the banks won’t give you one! For many such cards, there is no interest if you pay them off immediately each month (which can be automated thanks to wonderful schemes like Direct Debit): this increases the flexibility of your purchasing power (particularly when purchasing from overseas) without costing you a penny. On a side note, owning one that you only ever use in this fashion increases your credit rating (which is checked when buying a contract mobile phone, getting a mortgage, applying for credit on a car, or whatever). Just for examples’ sake; if you owned an unused credit card, you could have ordered these computer parts and – odds are – immediately transferred the money from the bank account to the card, thereby giving you the bits sooner.
All of that said, I think I’ve quite aptly (and almost entirely) undermined the sense in preventing expensive goods being delivered only to the registered cardholder’s address, because as we’ve just seen there’s always a way to circumvent such checks by routing the money other ways: this leaves a longer paper-trail (banks and credit companies are, by law, required to keep better records for longer than companies that happen to process card transactions), but is otherwise a sensible way to commit fraud without triggering the little alarm bells that debit cards have hanging from them. So yeah; perhaps Scan should be a little less draconian.
Now Chip-And-PIN in the UK: there’s a flawed, insecure, badly-implemented system.