[vidarh]

As a Norwegian in the UK without any problematic things about my name, I think you don't need to assume malice or lack of imagination, simply that they did not want to handle anything but the braindead "safe" situations online.

I similarly often prefer to apply offline or in person about things, because despite more than a decade here, and great credit history, I occasionally get hit by UK banks assuming that not being on the electoral roll means increased risks (it can mean you're trying to keep your real address out of official registers). They have no problems dealing with me in person, when someone manually reviews the situation, but either they've decided it's not worth the hassle to try to deal with this online, or that it's safer to just point me to a branch or call for extra verification.