That's nonsense, you can only claim compensation for an extra expense incurred because of someone else's action. |
Right, and overdraft charges (if incurred) would be an extra expense incurred because of the network's action. I'm just covering all possibilities here.
My other argument about the trouble caused by the customer seeing their bank account sucked dry through no fault of their own would have a good chance of standing in court (depending on the judge, as always), and in any case it is not nice to call it 'nonsense'.
My point is that is is increasingly common in this country to ask for photo id from a recognised government body in the UK when opening up any kind of account especially banks as further proof to them accepting you as a risk. But it is only one step, the other being a credit history as you have described.
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I cannot comment about other EU countries, but it's true that in the UK credit history is taken as a very serious and important indication of someone's identity and of course credit-worthiness.
An EU ID card is a government-issued photo-id document, so it should be accepted as such everywhere. It is accepted in the public sector, i.e. public services and state agencies, issuance of National Insurance numbers, benefit claims, etc. As for banks, most if not all of them accept government-issued EU ID-cards as valid identification when opening accounts, and they include this acceptance in their acceptance ID documentation lists.
As I mentioned earlier however, private companies such as mobile networks can probably choose what documentation to accept and what not - for example, Vodafone was happy with just a debit card (without photo). In the OP's case O2 seems to need something more, which to me seems to have to do with the fact that the OP may have a short or limited credit history in the UK - I wasn't asked for ID when I took out my O2 contract.
