SamboNZ,

now you understand, why web apps like BTC-jam take only picture of your ID together with your face + government proof of residence.

Even then, when I have their personal data information: in our country a person can announce personal bankrupt (there are legal procedural ofc) and totally legally reject all claims for loan payments. If his company borrowed the money, bankruptcy and/or insolvent procedures are possible. My point: sometimes even hard evidenced personal info don't help you resolve the loan payment.

To Thomas and co.: https://www.youtube.com/watch?v=vEjUQ15lyzk