CU refused to take Public Services Card as proof of PPSN

Discussion in 'Credit Union issues' started by emeralds, 19 May 2018.

  1. emeralds

    emeralds Frequent Poster

    Was in my local credit union this morning and they asked for updated id. I gave driving licence as photo id and then offered my Public Services Card as proof of PPSN. This was rejected. I need to produce a medical card, European Health Insurance Card or payslip as proof.
    Am a bit gobsmacked! A government issued card, with all of the accompanying proof of id etc.., not acceptable to a credit union!
  2. odyssey06

    odyssey06 Frequent Poster

    Ludicrous, it's easier to get an EHIC than get a PSC.
    Anyone can make up a payslip.
    The whole exercise is a ticking the box job.
    emeralds likes this.
  3. PMU

    PMU Frequent Poster

    Possibly because a credit union is not a specified body under Social Welfare legislation that can ask to see a PSCC .
    Nordkapp and RedOnion like this.
  4. odyssey06

    odyssey06 Frequent Poster

    Its probably sth along those lines but I'd be surprised though if they can ask to see a european health insurance card... I mean I would like to be able to avail of medical services in my local CU!
  5. WizardDr

    WizardDr Frequent Poster

    The saga on the PPSN is unbelievable. A CU needs PPSN now for Revenue & for Central Credit Registry purposes.

    GDPR in Article 5(1)(b) "...collected for specified, explicit and legitimate purposes and not further processed in a manner that is incompatible with those purposes.." and Article 6(1)(c) "processing is necessary for compliance with a legal obligation to which the controller is subject.." seems to say without much of a stretch is a CU have PPSN already they don't need another consent.

    Department of Social Protection under instruction from Department of Finance (after being savaged about Irish Water) have insisted the Public Services card cannot be used. But curiously this means that a letter with the card one receives is correspondence under 6(1)(a) below but the card in the letter is somehow not correspondence.

    In any event there is a VIES website where you can already verify Irish VAT Numbers (PPSN with addition of IE) which allows electronic verification- and would seem a simple solution.

    However: The Regulations issued by Central Bank of Ireland seem to want a paper verification under SI 488 2016 but sanity prevailed in 6(3) which assumes an electronic method may arrive at some stage.

    "Personal public service or other tax number
    6. (1) A credit information provider shall verify an individual’s personal public service number (PPSN) against an original of any of the following
    (a) any correspondence from the Department of Social Protection or the Revenue Commissioners addressed to the individual showing the individual’s PPSN,
    (b) P21, Tax Assessment or Notice of Tax Credits,
    (c) Receipt of Social Welfare Payment,
    (d) Medical Card / Drug Payment Scheme (DPS) Card,
    (e) Payslip, P60/P45.
    (2) If a credit information subject cannot provide any of the documents specified in paragraph (1) the credit information provider may verify a credit information subject’s PPSN using any other document or process that may reasonably be relied upon for the purpose.
    (3) A credit information provider shall verify any other number allocated to the individual for the purposes of tax against any document that may reasonably be relied upon for the purpose.
    (4) In determining the reliability of any document referred to in paragraph
    (2) or (3) the credit information provider shall have regard to the following:
    (a) the nature of the body by whom the document was issued;
    (b) the nature of the document;
    (c) whether it might reasonably be expected that the document was issued following checks on the identity of the person.
    (5) A credit information provider shall retain a copy of any document used for the purpose of verification under this Regulation for a period of 5 years beginning on the date that the credit information provider is last required by section 11 of the Act of 2013 and any Regulations made thereunder to provide personal information to the Bank in respect of that credit information subject"
  6. Elnino

    Elnino Registered User

    This is indeed the case. Bank and credit unions are meant to be added as prescribed bodies in a new social welfare bill but don't hold your breath.

    Interestingly the Central Bank can't accept Public Service Cards for identification purposes either for the Central Credit Register for the same reason.
  7. PMU

    PMU Frequent Poster

    Last edited: 1 Jun 2018
    I can't really see this happening. The PSC is not a national id card and is related to identification in the provision of a public service. Banks and equivalents do not provide public services.

    Those who can ask for a PSC are listed in schedule 5 of the Social Welfare Consolidated Act 2005 as amended
    Last edited: 1 Jun 2018
  8. willyfones

    willyfones Registered User

    That seems daft alright,, I wonder is it for practical reasons isn't the PPSN on the back of a Public Service Card? So when they scan it in can they prove they are one and the same?
  9. tommyryan55

    tommyryan55 Frequent Poster

    I ran into this issue this morning, very frustrating when I was offering the card as proof of PPSN. Anyway off to print a payslip!
  10. Olympian

    Olympian Frequent Poster

    Ignore me.