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JurekB
There must be a password recovery process or people like my mum with dementia are screwed. Presumably there is also a process for getting a new one when your house has burnt down and so you need the replacement sent to your temporary accommodation. In this case the property was empty for a while so perhaps ideal for getting replacement documents sent to the address on file anyway.
Basically ID is really hard and magic cards don't help a lot. You need to establish a chain of trust via reputable people. Eg you give the conveyancer a list of references that know you personally and they actually follow then up. The referees need to be established people with a significant paper chain of their own and lots to lose if they lie. Would be awkward for day to day life but seems reasonable when selling property.