It seems as though folks have the best of intent to help one another out with personal experience, or their interpretation of websites/information. We all have our own unique circumstances, whether living in the US or UK or wherever, and getting a NIF, or bank account, or rental all come with their own challenges.
When in doubt, when the information relay becomes foggy, it might be helpful to seek out legal advice, or retain a solicitor, to insure you are getting the most current information. COVID, as we've all learned, has completely changed many business processes, and it's hard to track the most recent revisions. It would become a fulltime job to keep it all straight.
Perhaps the biggest take away is that folks are trying to help, and there seems to be a general theme of personal attacks and intent on finding fault with articles, replies, etc. Disheartening really.
This year has sucked... and people need to start providing a bit of grace to one another, rather than look for an opportunity to attack.
Be well, and be kind. People have enough crap to deal with, don't add to it.