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Anyone received a CJA confirmation programme letter from AIB

2

Comments

  • #52
    robjones1981
    Registered Users Posts: 311 ✭✭robjones1981


    Are they not required to get up to date info every few years though?


  • #53
    MilanPan!c
    Site Banned Posts: 4,415 ✭✭✭MilanPan!c


    robjones1981 wrote: »
    Are they not required to get up to date info every few years though?

    That's unrelated to this thread.

    This thread is about threatening letters sent to customers, which falsely state that AIB doesn't have documentation for customers, when in fact they do.

    So. A completely different topic.


  • #54
    Doge
    Registered Users, Registered Users 2 Posts: 9,059 ✭✭✭Doge


    Gordon wrote: »
    Read this:
    http://www.boards.ie/vbulletin/showthread.php?t=2057045790


    Could a moderator please let me know why this thread was deleted?

    I received the letter today also, and I want to get more information about it.

    I'd like to know why the thread was deleted instead of locked.

    I haven't seen the thread btw.

    Thanks.


  • #55
    Doge
    Registered Users, Registered Users 2 Posts: 9,059 ✭✭✭Doge


    After reading more into this, the reason I received the letter is because I never had to give them photo ID, as I have an account with them for decades, and it wasn't required at the time.

    I am required by law to provide photo ID (for the first time) to keep my account active?

    Will try and find out what "Restrictions" could be imposed on my account, and what date they plan on doing this in the future.


  • #56
    Mr E
    Registered Users, Registered Users 2 Posts: 55,536 ✭✭✭✭Mr E


    waveform wrote: »
    Could a moderator please let me know why this thread was deleted?

    It wasn't deleted. It was one of 3 other threads that were merged with this one.


  • #57
    TheBoffin
    Registered Users, Registered Users 2 Posts: 434 ✭✭TheBoffin


    I knew when I seen this, that something was going on.

    Terms and conditions state:


    For marketing purposes. AIB may publish the [original and] modified Tech Age photo generated in the process of entering the competition on “The Lab” Facebook page, Facebook.com/ThelabAIB, Twitter page twitter.com/ThelabAIB (these pages are also displayed on the social media wall in-store at Level1, Dundrum Town Centre and on the in-store screens (separate to the social media wall).
    For the purpose of the Competition. Competition winners may be requested to take part in promotional activity and we reserve the right to use information relating to Competition winners, including their names and the contents of their submissions, in any publicity both online and in any other media.
    For direct marketing purposes. To advise you of the products and services of AIB Group. Your permission to market such products and services is provided by you to AIB Group when entering the Competition. To stop future marketing, membership may be cancelled by contacting AIB Online Retailing, AIB Bank, Bankcentre, Ballsbridge, Dublin 4, Ireland.
    To manage and develop AIB Group relationships with you and any future agreements that we may have with you.
    To carry out statistical analysis and market research. in this regard, we may use the services of a reputable external agency.
    To carry out searches (including verifying your identity).


  • #58
    Doge
    Registered Users, Registered Users 2 Posts: 9,059 ✭✭✭Doge


    Mr E wrote: »
    It wasn't deleted. It was one of 3 other threads that were merged with this one.

    Thanks for the clarification.

    There should really have been a post in this thread saying they were merged to avoid confusion.


  • #59
    wmpdd3
    Registered Users, Registered Users 2 Posts: 9,625 ✭✭✭wmpdd3


    This gets even odder, I have a letter from AIB VISA saying that they have searched but cannot find my original credit agreement, but when I closed my account in the Summer, my local branch had to go 'upstairs' to view my signature and they found it on my credit card application, or so they said.

    I dont have much confidence in AIB's document handling.


  • #60
    MilanPan!c
    Site Banned Posts: 4,415 ✭✭✭MilanPan!c


    wmpdd3 wrote: »
    This gets even odder, I have a letter from AIB VISA saying that they have searched but cannot find my original credit agreement, but when I closed my account in the Summer, my local branch had to go 'upstairs' to view my signature and they found it on my credit card application, or so they said.

    I dont have much confidence in AIB's document handling.

    This post underlines the reality of the situation:

    EITHER AIB has lost documentation for thousands of customers OR they are getting their customers to do their work for them, under threat of losing complete access to their account.

    If AIB DID lose the data of thousands of customers, that would be major news and a massive data protection breach...

    So which is it?

    Are they wildly incompetent, or just massive jerks?


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  • #61
    Highflyer13
    Closed Accounts Posts: 954 ✭✭✭Highflyer13


    MilanPan!c wrote: »
    This post underlines the reality of the situation:

    EITHER AIB has lost documentation for thousands of customers OR they are getting their customers to do their work for them, under threat of losing complete access to their account.

    If AIB DID lose the data of thousands of customers, that would be major news and a massive data protection breach...

    So which is it?

    Are they wildly incompetent, or just massive jerks?

    I work there and as a banking institution we are wildly incompetent. I find it hard to understand that we still have the huge customer base we do after all the scandals over the years. The bank is totally mismanaged and the have cut too many staff and plan to cut more so expect customer service to deteriorate further. Proper talent in the bank is not being acknowledged and the same management that caused the crisis still hold their positions. I cannot wait to get out!


  • #62
    mb20064
    Registered Users Posts: 54 ✭✭mb20064


    I got a letter from the AIB concerning Customer Records Update asking for a copy of my passport and whatnot! - just wondering did many people get it and what is it really needed for?

    BTW not 100% sure this is posted in the right forum - understand if its gets moved.... sorry about that!!


  • #63
    SpaceTime
    Closed Accounts Posts: 9,088 ✭✭✭SpaceTime


    One of my family members got that.

    I guess it's for old accounts they've no ID on record for that were opened before modern money laundering and snooping on account holder legislation came in.

    I've no doubt the authorities would prefer to have a PPS + photo ID linked to every account for anti-money laundering, tax investigations and welfare investigations etc.


  • #64
    Princess Consuela Bananahammock
    Registered Users, Registered Users 2 Posts: 33,640 ✭✭✭✭Princess Consuela Bananahammock


    mb20064 wrote: »
    I got a letter from the AIB concerning Customer Records Update asking for a copy of my passport and whatnot! - just wondering did many people get it and what is it really needed for?

    BTW not 100% sure this is posted in the right forum - understand if its gets moved.... sorry about that!!

    Phone branch directly to find out.

    Everything I don't like is either woke or fascist - possibly both - pick one.



  • #65
    SpaceTime
    Closed Accounts Posts: 9,088 ✭✭✭SpaceTime


    I would definitely query it though just on the off chance it's an elaborate scam.

    It looked legit, but you'd never know!

    I'd say they'll have a hard job getting everyone to send in that kind of documentation though. It's a bit of a pain in the arse to have to send off all that kind of material just to keep the bank happy. Most people probably won't bother.


  • #66
    mb20064
    Registered Users Posts: 54 ✭✭mb20064


    Yeah, it did look legit alright but my account is about four years old..... not exactly an ancient account. TBH the whole thing isn't exactly at the top of my to do list!! If they need it that much they'll phone me up to remind me..


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  • #67
    BobMc
    Registered Users, Registered Users 2 Posts: 1,145 ✭✭✭BobMc


    Its legit alright, seems alot of AIB, I do photocopying in my shop and dozens of customers have been getting the letters, myself and my dad also got them I've been banking with the 28yrs


  • #68
    Miaireland
    Registered Users, Registered Users 2 Posts: 4,065 ✭✭✭Miaireland


    My father got one recently. He has an account with the bank that he does not use.


  • #69
    Fred Swanson
    Closed Accounts Posts: 21,730 ✭✭✭✭Fred Swanson


    This post has been deleted.


  • #70
    hdowney
    Registered Users, Registered Users 2 Posts: 12,921 ✭✭✭✭hdowney


    My mam also got one. She never rushed getting it in, went in once she got her new drivers licence and they photocopied in branch. No bothers there


  • #71
    mb20064
    Registered Users Posts: 54 ✭✭mb20064


    Fred Swanson wrote: »
    This post has been deleted.

    Yeah, that's exactly my plan - if it were that important there would have been a lot more notice about it I would have thought. Like I said in my last post, if they're desperate for it they can phone me up to remind me.


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  • #72
    username123
    Closed Accounts Posts: 7,484 ✭✭✭username123


    Theres already a big thread on it.

    Ignore it and let AIB do their job themselves instead of having you do it for them.


  • #73
    dudara
    Registered Users, Registered Users 2 Posts: 33,518 ✭✭✭✭dudara


    Moved to Banking & Insurance & Pensions

    dudara


  • #74
    bigbarginhunter
    Registered Users, Registered Users 2 Posts: 46 ✭bigbarginhunter


    I got one months ago, ignored it haven't heard from them since.


  • #75
    Princess Consuela Bananahammock
    Registered Users, Registered Users 2 Posts: 33,640 ✭✭✭✭Princess Consuela Bananahammock


    Am toying around with the idea of asking them for their passport photo and some form of verification signe by a different bank to prove that the person I al talkign to IS the passport holder ...

    Everything I don't like is either woke or fascist - possibly both - pick one.



  • #76
    Renegade Mechanic
    Registered Users, Registered Users 2 Posts: 7,934 ✭✭✭Renegade Mechanic


    Got one myself too a few weeks ago.

    "Dear Renegade Mechanic.

    As you may be aware, AIB is required under the criminal justice (Money Laundering and Terrorist Financing) act 2010 to obtain and hold photo identification and proof of address for all customers."





    What happens if I dont send it in because to be honest, they have my address obviously enough and my number and I dont feel they should have any more than that.


  • #77
    Kristopherus
    Registered Users, Registered Users 2 Posts: 11,907 ✭✭✭✭Kristopherus


    Renegade Mechanic wrote: »
    Got one myself too a few weeks ago.

    "Dear Renegade Mechanic.

    As you may be aware, AIB is required under the criminal justice (Money Laundering and Terrorist Financing) act 2010 to obtain and hold photo identification and proof of address for all customers."





    What happens if I dont send it in because to be honest, they have my address obviously enough and my number and I dont feel they should have any more than that.

    They'll probably label you a terrorist:D:D:D

    Seriously though, let them sing for their info.


  • #78
    Lennyzip
    Registered Users, Registered Users 2 Posts: 352 ✭✭Lennyzip


    Renegade Mechanic wrote: »
    Got one myself too a few weeks ago.

    "Dear Renegade Mechanic.

    As you may be aware, AIB is required under the criminal justice (Money Laundering and Terrorist Financing) act 2010 to obtain and hold photo identification and proof of address for all customers."





    What happens if I dont send it in because to be honest, they have my address obviously enough and my number and I dont feel they should have any more than that.

    Yes I received it a couple of months ago . Was skeptical myself so went into my local branch with the letter and enquiried about it . It's genuine . Was told if I didn't send it off I might wouldnt be able to open any new accounts with the bank . So I sent it off , no big deal .


  • #79
    Renegade Mechanic
    Registered Users, Registered Users 2 Posts: 7,934 ✭✭✭Renegade Mechanic


    Lennyzip wrote: »
    Yes I received it a couple of months ago . Was skeptical myself so went into my local branch with the letter and enquiried about it . It's genuine . Was told if I didn't send it off I might wouldnt be able to open any new accounts with the bank . So I sent it off , no big deal .

    Would probably refuse loans then aswell.. Dammit Ill probably have to do it then..


    Kristopherus wrote: »
    They'll probably label you a terrorist:D:D:D

    Seriously though, let them sing for their info.

    The letter is probably their diplomatic way of telling me how to avoid a U.S drone strike.:D


  • #80
    helimachoptor
    Moderators, Science, Health & Environment Moderators Posts: 21,666 Mod ✭✭✭✭helimachoptor


    I have my own account opened by my patents when I was a couple of weeks old so no ID then, myself and my wife opened a joint account so they have my passport for that, you'd think They'd check


  • #81
    nlgbbbblth
    Closed Accounts Posts: 5,668 ✭✭✭nlgbbbblth


    I don't work for them but I could see the following situation arising.

    - The bank are required to hold the documentation under the 2010 CJA.
    - For whatever reason they can't find yours.
    - They send you a letter looking for it.
    - You ignore it.
    - They send a second letter.
    - You ignore it.
    - They send a third letter which may suggest that they might not be able to continue offering you banking facilities. They give you a date to respond by.
    - You ignore it and the date passes.
    - They send you a fourth letter stating that your account will no longer be operational [i.e. no further transactions permitted] by a certain date in the future [you might get 60 days notice]. The letter will probably say that you can avoid this unwelcome situation by providing the documentation.
    - The date passes and your account is blocked.
    - You complain to the bank and get nowhere.
    - You take your complaint to the Ombudsman.
    - The Ombudsman asks to see the paper trail.
    - The Ombudsman seeks that the bank gave the customer four opportunities to provide documentation that the bank are legally obliged to hold.
    - The complaint is not upheld i.e. The Ombudsman's ruling says that the bank are entitled to block the account.


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  • #82
    MilanPan!c
    Site Banned Posts: 4,415 ✭✭✭MilanPan!c


    nlgbbbblth wrote: »
    I don't work for them but I could see the following situation arising.

    - The bank are required to hold the documentation under the 2010 CJA.
    - For whatever reason they can't find yours.
    - They send you a letter looking for it.
    - You ignore it.
    - They send a second letter.
    - You ignore it.
    - They send a third letter which may suggest that they might not be able to continue offering you banking facilities. They give you a date to respond by.
    - You ignore it and the date passes.
    - They send you a fourth letter stating that your account will no longer be operational [i.e. no further transactions permitted] by a certain date in the future [you might get 60 days notice]. The letter will probably say that you can avoid this unwelcome situation by providing the documentation.
    - The date passes and your account is blocked.
    - You complain to the bank and get nowhere.
    - You take your complaint to the Ombudsman.
    - The Ombudsman asks to see the paper trail.
    - The Ombudsman seeks that the bank gave the customer four opportunities to provide documentation that the bank are legally obliged to hold.
    - The complaint is not upheld i.e. The Ombudsman's ruling says that the bank are entitled to block the account.

    You've forgotten the part where they have admitted that they actually do have this information for the vast majority of customers.


  • #83
    nlgbbbblth
    Closed Accounts Posts: 5,668 ✭✭✭nlgbbbblth


    Have they admitted that in writing or is it just hearsay?


  • #84
    nlgbbbblth
    Closed Accounts Posts: 5,668 ✭✭✭nlgbbbblth


    ps - a file note stating "we had identification and address verification for this person at one stage" is not the same as actually holding certified copies of same.


  • #85
    username123
    Closed Accounts Posts: 7,484 ✭✭✭username123


    nlgbbbblth wrote: »
    I don't work for them but I could see the following situation arising.

    - The bank are required to hold the documentation under the 2010 CJA.
    - For whatever reason they can't find yours.
    - They send you a letter looking for it.
    - You ignore it.
    - They send a second letter.
    - You ignore it.
    - They send a third letter which may suggest that they might not be able to continue offering you banking facilities. They give you a date to respond by.
    - You ignore it and the date passes.
    - They send you a fourth letter stating that your account will no longer be operational [i.e. no further transactions permitted] by a certain date in the future [you might get 60 days notice]. The letter will probably say that you can avoid this unwelcome situation by providing the documentation.
    - The date passes and your account is blocked.
    - You complain to the bank and get nowhere.
    - You take your complaint to the Ombudsman.
    - The Ombudsman asks to see the paper trail.
    - The Ombudsman seeks that the bank gave the customer four opportunities to provide documentation that the bank are legally obliged to hold.
    - The complaint is not upheld i.e. The Ombudsman's ruling says that the bank are entitled to block the account.

    You forgot the part where I moved all my accounts with any value elsewhere out of AIB because of their incompetence and just left them with the debt, good luck to them locking me out of repaying the mortgage!


  • #86
    MilanPan!c
    Site Banned Posts: 4,415 ✭✭✭MilanPan!c


    nlgbbbblth wrote: »
    Have they admitted that in writing or is it just hearsay?

    Multiple people have called them and had them say they already had the documents.

    In my case they told me that they simply didn't want to bother with having to contact all the branches and get the branches to scan all the hard copies.

    And this makes sense.

    The alternative would be that they've lost the IDs of many thousands of customers - a massive data privacy breach which would be in the news.

    Don't believe me? Simply call them and ask them. They were very upfront with me and offered to get the info from my branch, which they could see on ther system existed.

    So.


  • #87
    nlgbbbblth
    Closed Accounts Posts: 5,668 ✭✭✭nlgbbbblth


    It's actually easier for them to contact the branch and ask them to send over their copies as opposed to antagonising the customer by looking for the information again.

    That's the way I'd play it but maybe I'm too nice.


  • #88
    MilanPan!c
    Site Banned Posts: 4,415 ✭✭✭MilanPan!c


    nlgbbbblth wrote: »
    It's actually easier for them to contact the branch and ask them to send over their copies as opposed to antagonising the customer by looking for the information again.

    That's the way I'd play it but maybe I'm too nice.

    It's actually a LOT cheaper to send out letters and threaten customers than it is to hire staff to digitize and organize thousands of documents from dozens of branches.

    Easier too.


  • #89
    Carawaystick
    Registered Users, Registered Users 2 Posts: 8,779 ✭✭✭Carawaystick


    Here's what I'm doing.
    I've asked aib to come to me to copy my docs
    (Which they won't)
    I'd arrange it to be out of hours, as I'm busy working to pay taxes to keep them from goin bust
    Then I'd ask them their names, and ring the bank for someone to confirm what they look like-- there'll be no one there to confirm what they look like, so I'll send them on their way


    It's either that or invoicing them a grand plus outlay for keeping them inaide the law


  • #90
    chasm
    Registered Users, Registered Users 2 Posts: 2,099 ✭✭✭chasm


    I received one of these letters recently and sent back a copy of my drivers licence. They have since replied saying the identification documentation they received does not meet the regulatory requirements. According to the form they sent me, on a valid licence all 3 sections are required with all info on licence visible. All details of name, d.o.b. , date issued and expiry dates should be clearly visible. They enclosed the copy I had sent them and I honestly cannot see why it wasn't adequate, as it meets all those requirements. Will give them a call later if I get time as I am fairly certain my local branch took copies of my ID a few years ago when I lodged a large cheque.


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  • #91
    username123
    Closed Accounts Posts: 7,484 ✭✭✭username123


    I actually don't have any of the documentation they want as my drivers licence is in my married name and my passport is out of date. I don't have any of the other ones.

    I'm considering sending in a photocopy of the long form of my birth cert. I'll have to photocopy it in 2 pieces as it's longer than a4. I could add a baby photo. Pity I can't find a copy of my baptismal cert..........


  • #92
    jasonbourne.cs
    Registered Users Posts: 114 ✭✭jasonbourne.cs


    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:


  • #93
    Kalimah
    Registered Users, Registered Users 2 Posts: 1,254 ✭✭✭Kalimah


    I got my second CJA letter from AIB today. My neighbour got one last week and contacted Data Protection who told him NOT to send a copy of his passport to Aib. From what I have heard once an account is open before 1997 the bank are not legally obliged to identify you. My account was originally in my husband's sole name and I was added to it in 1993. That account was opened in about 1978.


  • #94
    D3PO
    Registered Users, Registered Users 2 Posts: 7,879 ✭✭✭D3PO


    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.


  • #95
    fiiiingers
    Registered Users Posts: 1 ✭fiiiingers


    Hi all
    its a scam by aib to find out if u have a tracker mortgage on a property but are now living
    some where else.So your original home loan tracker, say an apartment can be taken off you, be care ful give en nothing

    be careful,out of interest does any one on this forum have a tracker on an other property...... they re trying to claw it back...home loan/rip property conflict


  • #96
    BuffyBot
    Registered Users, Registered Users 2 Posts: 24,924 ✭✭✭✭BuffyBot


    That's a pretty big allegation. I assume you have concrete proof which you're willing to share with us all?


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  • #97
    username123
    Closed Accounts Posts: 7,484 ✭✭✭username123


    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.


  • #98
    chasm
    Registered Users, Registered Users 2 Posts: 2,099 ✭✭✭chasm


    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.


  • #99
    [Deleted User]
    Posts: 0 ✭ [Deleted User]


    I got one of these about two years ago. I was very suspicious of it and called my branch in Listowel, who confirmed that it was genuine. So I went to my local branch in Fairview, since closed, with my passport and they verified the account. I didn't know it has to be done every two years though, in that case they'll be on to me again soon. For reference, my account has been open since 1997.


  • #100
    username123
    Closed Accounts Posts: 7,484 ✭✭✭username123


    chasm wrote: »
    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.

    Happy days, lock that mortgage account aib, I dare ya!


  • #101
    Kalimah
    Registered Users, Registered Users 2 Posts: 1,254 ✭✭✭Kalimah


    fiiiingers wrote: »
    Hi all
    its a scam by aib to find out if u have a tracker mortgage on a property but are now living
    some where else.So your original home loan tracker, say an apartment can be taken off you, be care ful give en nothing

    be careful,out of interest does any one on this forum have a tracker on an other property...... they re trying to claw it back...home loan/rip property conflict

    Don't really think so since my neighbour got a letter and has no mortgage at all! My mortgage isn't with AIB either!


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