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Mark Noakes

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  1. Mark Noakes
    Hi folks! Just a reminder to keep your posts related to the title. This got a little off track. Thank you!
  2. Mark Noakes
    According to the post office, the manage around 49 million rural route mailboxes Nationwide and that number is growing. Looks like they're still going strong.
  3. Mark Noakes
    The final ruling in the Customer Identification Program (CIP) section 31 C.F.R. § 103.121(b)(2)(i) (adopted as part of the US Patriot Act) that addresses opening accounts states the following. (Note that it does not exclude any US citizens (or full-time RVrs)who are citizens of the US. By definition, a very large number of us live in rural areas and do not have a physical residential or business address. The ruling specifically points to a location which can be a rural area. According to the ruling we can use a roadside mailbox number so that the bank knows our approximate location. This should suffice as required information for the bank so that we can open bank accounts freely without violating the law is set forth by the act.): "For customers who live in rural areas who do not have a residential or business address or the residential or business address of next of kin or another contact individual, the number on the roadside mailbox on a rural route is acceptable as an address. A rural route number, unlike a post office box number, is a description of the approximate area where the customer can be located. In the absence of such a number and in the absence of a residential or business address for next of kin or another contact individual, a description of the customer’s physical location will suffice".
  4. Mark Noakes
    Thank you. Helpful information, the search goes on!
  5. Mark Noakes
    I not only called the business office but I submitted an email request to the executive team. They appear to have no stomach for attempting to make this workable for South Dakota members. Citing the patriot act as the reason. Well I used to work in banking and know that act like the back of my hand. Had to take tests every year related to it. Nowhere in that act does it say it is mandatory to have a physical residential address. It's simply says you need to be able to be located, whether that be through next of kin, another contact or even a rural mailbox. This is clearly addressed in the CIP of the Patriot act. Banks and credit unions are simply overreaching and eliminating the ability of full-time RVers, homeless people, transients (of which we are defined as being by the mere fact, we don't have a physical residential address), for the purposes of excluding this entire community of people in the US from being able to utilize financial services. They're using the patriot act as an excuse. And are fully aware of what they are doing but care not. I'm sure someone out there has figured out how to get around of this. And I would love to hear from them on this forum!
  6. Mark Noakes
    Actually the banks are well aware of escapees mailboxes. It's in their database. They know their PMBs even if you don't put PMB on the address when you try to apply. Been there done that. Thanks anyways, appreciate the info.
  7. Mark Noakes
    Already tried that. They instantaneously identified the South Dakota address as a PMB and denied opening the account. Thanks for the advice though.
  8. Mark Noakes
    Been on the road now for nearly 4 years. Have not figured out how to get a bank account in South Dakota given the Patriot act and what seems to be every bank and credit unions bias toward full-time RVers. Has anyone figured this out in South Dakota and in particular, if you have the standard Escapees PMB address? Is there a bank or a credit union in South Dakota that is willing to allow anyone in the full-time RV community to open a bank account - personal or business? As an example, I would love to start a business but cannot find a bank or credit union in South Dakota willing to work with full-time RVers that have a PMB. I'm sure I'm not alone. There must be a whole lot of people looking for this same ability. Would love to hear what you have found out, especially if you were successful.
  9. Mark Noakes
    Been on the road now for nearly 4 years. Have not figured out how to get a bank account in South Dakota given the Patriot act and what seems to be every bank and credit unions bias toward full-time RVers. Has anyone figured this out in South Dakota and in particular, if you have the standard Escapees PMB address? Is there a bank or a credit union in South Dakota that is willing to allow anyone in the full-time RV community to open a bank account - personal or business? As an example, I would love to start a business but cannot find a bank or credit union in South Dakota willing to work with full-time RVers that have a PMB. I'm sure I'm not alone. There must be a whole lot of people looking for this same ability. Would love to hear what you have found out, especially if you were successful.
  10. Mark Noakes
    Always 1st class. We had medical bills lost by escapees and located in the wrong mailboxes (17 pieces to date), other bills lost and never found, and according to the mail admin if the envelope is a "hand written address" the automatic sorter will reject it. This then requires a person to physically set it aside for manual processing. One such piece of our mail sat in limbo for a month until we initiated a search. Once found we requested it be scanned so we could read it. This apparently could not be done. Which makes me wonder what happens to hand written envelopes if no one complains that it is missing? We've had one billing that almost went to collection due to it being misplaced at escapees and misplaced toll billings (2 bills for the same tolls) that resulted in penalties. All in 2 years.
  11. Mark Noakes
    We have been experiencing lost inbound 1st class mail to both our SD and TX Escapees mailboxes over the past year. Has anyone else been experiencing this issue? If yes, is lost mail becoming more or less frequent over time?
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