Very true about never lying to Banks.Originally Posted by johncar54
No i dont mean you have to be resident in the UK. Im guessing your still either a british citzen or resident? I know British people sometimes when abroad get classfied as non uk resident but possibly still keep their british citzenship?
Bit of a grey area to me.
Although it has change recently some banks, insurance comapnies and the like, simply state you must be a british resident or citzen. Which I belive is different to being resident in the UK?
Its a tricky situation with people on Spouse and Finace Visas and the like in the UK.
As some organsations will happily sign you up and take your money but technically they have written in to their t&c's passages about being at least a UK resident.
On a spouse visa for example everyday Travel Insurance from most companies would be if the company chooses invalid as they are not a UK resident. But with some their own defintion would allow it
When i asked a few insurance companies about this they gave me various answers the person at least had to have ILR, others said you had to be in the uK for at least six months, some 183 days. Another Our policies are only available to UK residents who we define as: "a person who has their main home in the United Kingdom and who is registered with a medical practitioner in the United Kingdom".
The United Kingdom is - England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.
But this was just the customer services people not their legal team.
So any company you deal with you need to find out what they consider as a UK resident in writing. Of course if your a good long term customer they may wavier any rules. Then im sure its different for a person who resides in the EU as opposed the rest of the world.
Banks were the same some would accept just a passport with a visa with permission to be in the UK and proof of address others wanted the person to be a uk resident and when i asked they said the person should be on the Electoral register!
My Wife was offered a Credit card with her account when not a UK resident but others have told me that was technically impossible. So maybe if she had an issue where it was in the Banks favour to invalidate her claim they would have suddenly noticed this?
Also I noticed over the years many competions state the person must be a UK resident and some resident of the UK. Again very vague.
So bit of a grey area for me and if anyone knows for sure it would be intresting to know.
I noticed while reading up on the matter the different departments of the British goverment have different understandings of the term even!!
