Anyone received a CJA confirmation programme letter from AIB

I got one of these today , really annoying , i know for a fact that AIB have all my documents as i applied for a mortgage with then 2 years ago and had to submit utility bills , passport scans etc :mad:

in fact the only reason my mortgage isnt with them is they changed how much they were offering me when i was in the middle of the bidding process on my house .


clowns !!!! :mad:

I got 2 of these last year after the second one I rang them told them to go F themselves and do their own work unless they were willing to send me a cheque for €1,000 for my time and stationary , postage and photocopying expenses.

That was the end of it havent recieved one since.

Im not there to do there work for them because they dont want to invest in the manhours and cost of doing it themselves.

username123 wrote: »

I got another one of these letters yesterday. Seeing as the number to ring is only available 9-5 and I work 9-530, I phoned 24 hour banking to ask the following: my passport is out of date, my drivers licence is not in my single name (my bank account is) and I don't hold either of the other two pieces of photo id they accept as valid so what's the next option?

Oh how I chortled when she had to go ask a supervisor then return with the news that I go get the Guards to fill out some form confirming I am who I purport to be. I don't think so luv.

I asked what will happen if I simply ignore the cja letters,hoping that my accounts would be locked,great excuse not to pay the mortgage, and I was disappointed to hear that there are no consequences. It only becomes an issue if you look to get a loan or buy a product. I refrained from pointing out that I'd not be buying anything from aib again if I could help it and terminated the call.

I have received a few of these letters now and it's also telling me online in my account that i need to update it. It does state that it will not affect existing accounts but may affect future applications for loans, credit cards etc.
Im fairly sure they took a copy of my passport in my local branch a few years ago when i lodged a cheque with them, will check the next time i am in with them but i have no interest in ever applying for either a credit card or loan from them considering the last time i applied they refused both and i went elsewhere and got them without any hassle whatsoever - was very annoyed at the time as i have been a customer since the late 1980s and had taken a few loans out from them before which had always been paid on time.

Edit: Have actually just noticed that in the CJA-FAQ section on the AIB site it states:
"There may be an impact on your existing accounts in the future if you do not provide the required documentation." - So it looks like i had better look into it soon, if only to avoid hassle later.

Yeah, I have no mortgage and I got one, account opened in 1995, but I have given copies of my I'd countless time in branch.

my parents received a letter, the have a mortgage, as usual they called me to make sure it wasn't a scam.

they have an account since the 80s too, but have given loads of copies of their passport over the years and refused to give anymore I'd, if it's just going to get lost.

I haven't read this entire thread (no time tbh! I came here looking for something else but can't pass) but I might be able to give a little insight. I was working in AIB in the past during a time when they had to rehaul their CJA documentation process. Copies of docs provided were taken in the branch where they were presented and filed separately from regular correspondence in an alphabetical format. If the staff member taking it wasn't fully informed on the requirements, they could on occasion accept docs that were not actually valid, and it wouldn't always be noticed. The quality of the copy depended on the individual photocopier and how savvy the person using it was, and at times the things just plainly didn't get taken properly or didn't get filed properly. So it became very hit and miss as to the quality of what they had and that increasingly became a bigger issue especially with fraud cases on the rise.

So they rehauled the system and had standardised copiers put in all branches and everyone trained how to get a decent copy of things like the new passports with the glossy card (sometimes its hard to photocopy a photograph esp older passports). Retention of the docs was also digitalised and centralised too, so that the ultimate responsibility for checking the suitability was with a department who specialised in this and nothing else. They set about gathering the existing held docs in all branches and then needed to go about filling in the blanks - which it sounds to me from your posts here is still an ongoing process.

Once that system rolled out, all new opened accounts needed to be flagged as CJA verified before they can operate a single transation, issue debit cards / cheque books etc. This also applies to a new account for an existing customer (ie new loan account, second current account, mortage credit card etc.) so thats the real issue most people face. Staff in branches in AIB cannot impact that process the docs have to go to the "experts" for verification.

One thing to remember, Money Laundering and CJA legislation also extends to the bank official who processes transactions and opens accounts, fines and prison time can be given to them too under the legislation, so you won't find any bank staff in AIB who are willing to put their neck on the line, and in the case of the unverified accounts being locked, they can't change that anyway. To my (now out of date) knowledge it wasn't going to impact on existing operating accounts.

I no longer work in AIB or financial services at all, so I've no up to date knowledge of what their process is, but I saw first hand the crappy copies, invalid documents and badly filed stuff that led to their black hole of CJA docs, which to be fair they are trying to fix now once and for all.
No denying though, its a total PITA for the customers and not their fault, but then again its hardly the fault of the staff who you may deal with now as they are unlikely to have done the ****ty job of taking the docs when you opened your account, nor have given them to the summer interns to file