Does a Gold Card need a Photocard?

So despite having had two Gold Cards in the past, I was told today by someone in a ticket office that I needed a Photocard for "outside of London". There is no mention of a photocard being needed here http://www.nationalrail.co.uk/times_fares/ticket_types/46573.aspx, but the NRCoC say "Unless you are specifically advised otherwise at the time of purchase, a Season Ticket must be supported by a photocard which bears a true likeness of the user." whereas the Gold Card T&C's state "You must carry your Annual Gold Card and, where applicable, photocard with you on the journey and when asked by rail staff".

So two questions can come from this:

1) Where is classed as applicable?
2) Why haven't any ticket offices such as Waterloo and London Bridge ever told me about the need for a photocard before?

Yes, you need a photocard for any season ticket eligible for a Gold Card. Unless it's on Oyster, then you don't need one.

If London Bridge and Waterloo are issuing season tickets without photocard numbers on them then they are encouraging fraud and revenue loss, which seems very unlikely to me.

RJ said:

Yes, you need a photocard for any season ticket eligible for a Gold Card. Unless it's on Oyster, then you don't need one.

If London Bridge and Waterloo are issuing season tickets without photocard numbers on them then they are encouraging fraud and revenue loss, which seems very unlikely to me.

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Yes it's an Oyster. But would I need a photocard for use of the gold card outside of London or not?

NathanPrior said:

Yes it's an Oyster. But would I need a photocard for use of the gold card outside of London or not?

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No, you wouldn't. If someone is claiming that you do and refuse the sale on this basis, they are talking nonsense and need to be corrected so they stop disrupting people's journeys.