This is for the people starting out on this road to a good nights sleep and sanity.
I applied for a Cashminder account over the phone and was approved in principle there and then, I am led to believe that being on the electoral role is necessary - they just needed me to produce an appropriate photo ID at the bank. I could also have posted them a verified copy of my ID (the post office can do this)plus one utility bill (there are other options available)
10 days later (today) I received my welcome pack, I called them straight away to set up Internet banking. My Electron debit card should be arriving in the morning followed closely by my pin#
I'm as happy as a pig in dooodoo
Keep the faith