insanity (in san’e te) n. 1. relatively permanent disorder of the mind 2. doing the same thing over and over and expecting different results 3. taking on British bureaucracy with documentation from another country. See also: stupidity
W finally comes home from his Scottish sojourn next month. While I was there, we got the bright idea to start adding me to the accounts he plans to keep and changing his address to the US. Naturally, this relatively mundane part of life in organized society led to much teeth gnashing and pleading for mercy. Our mistake: we took on a bank.
I should pause and explain that in modern British society, there is much concern about terrorist financing. There is also much reliance on automatic debits from your bank account. These two things combine to mean that (1) proving your identity and legal residency in the country is vitally important and (2) you have to have a bank account before you can do anything else. The need for (2) in order to open any other accounts means that the task of vetting you is now effectively left to the banks.
The woman who was assigned to assume the worst about our desire to pull a fast one on them and fund an extremist group seemed very nice. W had already procured the necessary forms and I had come armed with multiple forms of ID from the approved list. This included your normal forms of ID, plus our mortgage statement, our home insurance statement, our utility bill, tax forms, and random other things that involve paying money to businesses. (Incidentally, this all came on the plane with me. No way that was going in the checked luggage. I’ve never been so prepared to whip out multiple pieces of evidence to prove my identity, nor so well equipped as a particularly lucrative mark for an extremely lucky mugger turned identity thief.)
We were prepared.
Our skeptical gatekeeper outlined what she needed from me. Proof of identity with photo. Passport. Check. Proof of identity with address. A driver’s license would be fine, she says. I hand mine over. So sorry, mine won’t work. Only a UK license. Hmm, bit of a problem. You can use any other UK ID. Not so much. No matter, she says, you can use any of these other things on the list to prove identity with address: bills, tax forms, etc. Aha! I have all of this. We hand over the sheaf of bills, statements, and other documentation. She looks it over, furrows her brow and looks again.
Has to be from the UK.
This is a significant problem, seeing as I neither reside in nor pay taxes to the place. Our attempt appears to be torpedoed. However, the list does not specify this UK-centricness. Besides, she lets it slip that she would have accepted one of our bills if she recognized the company. (What? Wells Fargo being in the news every day even in the UK and plotting, along with the rest of the US financial sector, to take your country’s economy down with ours didn’t catch your attention?)
Sensing a break, we start trying to specify which of the things on the list exactly have to be from the UK. Only the government-issued things, it turns out. This leaves open all of the bills. She squints at them for a while longer, then takes it all to her manager. We wait. She returns with good news. Hallelujah! We start the process of making me an official customer.
And immediately run into a snag. Not because we don’t have the right forms, but because of how our address rendered on them. Our mortgage statement includes some legal version of our address that differs slightly from our postal address. This is not kosher. Must match exactly. As we’re explaining that it’s all the same, really, I am thinking, heck, I wouldn’t even believe us. Miraculously, she does. But only to change W’s address to the US.
Still working on finding a loophole to knock me out of contention, she next deems our insurance statement to be another acceptable form of ID. The street address is our normal postal address which, of course, does not match the mortgage statement. It matches everything else, though, so she decides to let that slide. The end is in sight. Then we get to the zip code.
The zip code is normally a five-digit number. Businesses sometimes try to show off and use your zip +4, but this is a pesky little difference. Could you name your zip +4 off the top of your head? Me neither. This, however, is a major issue. Why is it different, she asks. We trip over ourselves trying to explain that it means nothing, really, it’s just a more exact version of the same thing. Nobody uses it. We promise. This is not flying with her. We try to make analogies with the British system, but it doesn’t really work. We look at each other in desperation. I don’t have a single government-issued ID that contains my address with the 9-digit zip code. They don’t exist. How in the world do we explain that no normal mail-receiving American even notices the difference? (Try it sometime; it totally sounds like you’re making it up.) We’re stuck because the Post Office decided to make their routing system more exact.
She assures us that it isn’t theoretically impossible for non-UK citizens to prove identity, just impossible in practice. We give up. Then, for reasons I still don’t understand, she relents. Fine, they’ll add me, though they must change our US address to a weird combination of the legal parcel description and the really specific zip code. I may never actually receive deliverable mail from them, but I’m on the account. We say thank you and run before she has time to reconsider.
And this whole time, there were people behind us in line. You see, this woman is the keeper of the forms. You have to go to her first for a lot of things. There is only one of her. Strangely, nobody seemed to mind the fact that the pushy Americans were totally holding up the line.