MJR Financial Services, 33 Mercer Row, Louth, Lincolnshire, LN11 9JG
Telephone. 01507 604550 -- Email. info@mjrfinancialservices.co.uk
 
 





Verifying your identity...  

As a regulated financial services company, MJR Financial Services is responsible for verifying the identity of all new clients. There are also situations where we will need to verify the identity of existing clients.

Providing proof of your identity helps prevent financial crime such as money laundering, terrorist financing, and identity fraud; especially from criminals accessing the financial system using the stolen identities of innocent victims. Therefore this protects you as well as MJR Financial Services.

All financial services firms within the UK follow guidance on the documentation and methods that are acceptable to verify the identity of its clients. Information about the documents we will accept and what to do if you don't have them are detailed below.

As a client or potential client of MJR Financial Services we will ask you to provide two pieces of documentation:

  • One to prove your personal identity such as a driving licence or passport, and;
  • One to prove your address such as a utility bill or bank statement


Documents we will accept

At MJR Financial Services, we usually request a UK passport or driving licence and utility bill (dated within the last 3 months) to check your identity and address. However, we understand that our clients may not have these documents or may be unwilling to send them to us in the post.

We've put together a list of documents that we can accept for verification purposes.

We require you to supply one document from each section below. Some documents appear in both sections. We'll need to see two separate forms of identity, so you can't use one document to cover both sections. Where address details are displayed this must reflect your current residential address.

We recommend that you don't send original documents through the post using a non-secure service as we can't accept liability for their safety en route to us.

We're happy to accept copies of documentation if they're certified by a professional person. See below for details of 'who can certify copy documents'.

We return all documentation to you using a recorded delivery service.

Personal identity evidence

Address evidence

Passport
  • Full current UK or overseas passport
  • The passport must be signed
Local Authority documents
  • Council Tax bill or payment book (valid for the current tax year)
  • Local council rent card or tenancy agreement
Driving licence
  • Full current UK driving licence
  • EEA/EU photocard licence
Driving licence
  • Full current UK driving licence
  • EEA/EU photocard licence
Department of Work and Pensions (DWP) and other benefits - related documents
  • Original notification letter from the Benefits Agency confirming your right to benefits
  • Letter confirming your right to a state pension
Department of Work and Pensions (DWP) and other benefits - related documents
  • Original notification letter from the Benefits Agency confirming your right to benefits
  • Letter confirming your right to a state pension
Her Majesty's Revenue and Customs (HMRC)

HMRC notifications of:

  • Child Tax Credit
  • Universal Credit
  • Working Family Tax Credit
  • Personal Independence Credit
  • Tax code
  • Child benefit
Her Majesty's Revenue and Customs (HMRC) documents
  • Any HMRC correspondence addressed to you at the stated address
Self-Employed
  • Self-employed registration cards for individuals and partnerships in the
    construction industry: CIS4(P), CIS5, CIS6, SC60
Residence permits and identification cards
  • EU Identity cards
  • EEA or Switzerland national identity card
  • Other national identity cards (non-UK identification card)
  • Northern Ireland voter's card
  • Residence permit issued by Home Office to EU Nationals
Residence permits and identification cards
  • EU Identity cards
  • EEA or Switzerland national identity card
  • Other national identity cards (non-UK identification card)
  • Northern Ireland voter's card
  • Residence permit issued by Home Office to EU Nationals
Utility bills

Utility bill (mobile phone bills are not accepted) or a certification from a supplier of utilities confirming the arrangement to pay for its services on pre-payment terms. This must be dated within three months.

  • Gas
  • Electricity
  • Water
  • Phone (UK landline bills only)
  • TV licence renewal
Other
  • Shotgun or firearms certificate
Financial statements

All statements must be dated within three months. Online statements can only be accepted if they are certified by the issuer as a true copy, if they agree to do so.

  • Bank statement
  • Credit card statement
  • Building society statement
  • Mortgage statement
 
Other
  • Solicitor's letter confirming house purchase or land registry confirmation


We understand that you may not have the documents we have requested. In this situation, we may be able to accept some of the following as evidence of your personal identity or address:


Under-18s only

  • Birth certificate
  • Adoption certificate
  • Confirmation from your work/school/college/university of your full name, current address and details of your employment/student status
  • National Insurance Card
  • Student identification/matriculation card (from a recognised university or college) – This must be valid for the current academic year
  • Student Loan Company/Local Education Authority award notice
  • HMRC notifications of Child Tax Credit or Child Benefit, where you are named as the child in respect of which the benefit is paid
  • Young Person's Identity Card (such as those accredited by the PASS scheme)


Residents in a nursing/residential home

If you live in a nursing home and can't provide any of the documents listed, we can accept a letter from the manager or warden of the nursing/residential home confirming permanent residence there.

Usually, this would support a piece of documentation from the 'Personal identity evidence' section such as an original notification letter from the Department of Work and Pensions (DWP) confirming the right to a state pension.

If you are providing documents on behalf of an incapacitated investor then an original Court Order appointing a deputy may also be accepted. This must be in respect of an appointment by the Court of Protection and name both the investor and the appointed deputy.


Armed Forces

We accept copies of documents certified as a true copy by a senior ranking officer. For details see 'who can certify copy documents' below.
In addition, we can accept an original UK Armed Forces ID card, or an appropriately certified copy.


Other documents that MJR Financial Services may consider

Contact us if you don't have any of the documents listed above but can provide one of the following:

  • Police warrant card (with photo identification)
  • Vehicle Registration document
  • Probate document
  • Letter confirming your National Insurance Number (The National Insurance Card can't be accepted on its own)
  • NHS Medical Card
  • Letter from a GP addressed to you, and on headed note paper


Who can certify copy documents

We can't accept photocopied documents unless they are correctly certified by an appropriate individual. See our Verifying Your Identity Guide for our full certification requirements, including the required certification wording.

This guide also provides the reasons why we may verify existing investors and provides answers to some of our frequently asked questions.




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MJR Financial Services is a trading style of Michael Rice which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register No. 711711 www.fsa.gov.uk/register/home.do

Telephone 01507 604550 | Email info@mjrfinancialservices.co.uk | Principal: Michael J Rice