Anti-Money Laundering

Like all estate agents in the UK, Fuller Gilbert is subject to The Money Laundering Regulations 2017. This means that we have to obtain and hold identification and proof of address for all customers.

We are also required to establish whether there are any beneficial owners on whose behalf the transaction or activity is taking place, therefore we would request that you identify anyone who you would consider to be a beneficial owner.

Where appropriate, the source or destination of funds may also be requested. Without this information we will be unable to proceed with any work on your behalf.

Individual identity

Fuller Gilbert is required to check the identity of each individual owning a property.  We will require :

One Photo ID item from the following (If we have not met you in person to verify your ID we will require a certified copy)

• Passport
• Driving License

One Proof of Current Address from the following (If we have not seen the original document we will require a certified copy)

• Valid Driving License (If not used for photo ID)
• Bank Statement (within the last 3 months)
• Utility Bill (within the last 3 months

In addition an email and/or text message will be sent toeach person whereby the check will be carried out electronically by Credas www.credas.com

Probate

If you are acting as a representative of an estate, we will require the following documents

• Grant of probate (if a will was left)
• Letter of administration (if no will was left)
• Individual identity evidence for the personal representative, either executor or administrator (as detailed above)

Limited Company

If you are a limited company, the following documents must be obtained:

• Certificate of incorporation
• Articles of Association
• Memorandum of Association
• Latest annual return or confirmation statement, with details of current company officers
• Individual identity for all beneficial owners with 25% or more of the shares/or voting rights in the company (as detailed above)

Off Shore Company

If you are an offshore company, the following documents must be obtained:

• Certificate of incorporation
• Articles of Association, Memorandum of Association, Latest annual return or confirmation statement, with details of current company officers OR Certificate of Incumbency
• Nominee director declaration and/or general power of attorney
• Individual identity evidence for all beneficial owners with 25% or more of the shares/or voting rights in the company (as detailed above)

Trust

If the client is a trust, the following documents must be obtained:

• Trust deed
• List of trustees
• List of beneficiaries
• Individual identity for all beneficial owners with 25% or more of the capital and/or those who exercise control over the trust (as detailed above)