wow joe. that's very informative. thank you very much. i will print that post. i searched on the internet for the requirements and i couldn't find any so thanks very much. i have to start compiling my letters now. my hubby said we have to change all our bills to our joint bank account now. we will submit our joint account application today so i hope they will accept my id this time. we tried to get joint account last year after our wedding. prob is my passport was in the home office that time . we tried again last month after my phil wedding, then i found out they don't accept my passport as proof of id coz i need to show an id card that shows my photo, married name and address. so my option was to apply for provisional driving licence. hope we can get joint account this time.