Wages!!

peachyprice

td_007 wrote: »

I know of someone who has had an enquiry (they came away clean). However, here are links to HMRC case worker's guidelines for tax enquires.

- who can be investigated? See first bullet point....
"All taxpayers should be aware that there is a chance of their returns being subject to enquiry"
http://www.hmrc.gov.uk/manuals/emmanual/EM0093.htm


There is also guidance on what can be looked into and great stress on proper justification on the need to look into private account details. Nevertheless, where needed....."Such records could include, for example bank or building society accounts, that is, accounts not designated as `business', including TESSAs, ISAs details of holdings of premium bonds...."

http://www.hmrc.gov.uk/manuals/emmanual/EM2220.htm

In short, HMRC can (and do) investigate individuals irrespective of being PAYE or not, plus if needed any financial document can be asked for and scrutinised (and it has been done!)

No-one is suggesting that HMRC do not investigate, however having your already taxed salary paid into someone else's bank account would NOT be a trigger for such investigation.

never-in-doubt

masonic wrote: »

Mine says "...to a Bank/Building Society account of your choice...", but all my employer asks for is account number/sort code anyway.

Exactly, same as a nominated account (nominated = you choose!)

masonic wrote: »

You are still lying if you tell your employer it is your bank account and it isn't. Whether or not it's irrelevant, is, well, irrelevant.

LOL, yea ok.... Clever cloggs :rotfl::rotfl:

never-in-doubt

peachyprice wrote: »

No-one is suggesting that HMRC do not investigate, however having your already taxed salary would NOT be a trigger for such investigation.

Exactly. But if you were a seller on eBay or something, that could then trigger the investigation which would have then linked into the bank account but again, the PayPal records would provide any audit trail......

They won't give up will they? lol (repeating ourselves over and over!)

td_007

never-in-doubt wrote: »

They won't give up will they? lol (repeating ourselves over and over!)

All I have said all along is that HMRC could investigate PAYEs - which you will have agree is the case. The probability is small (again I never said it was something everyone should expect) but you could be the "unlucky" one. Would you agree ?

td_007

peachyprice wrote: »

No-one is suggesting that HMRC do not investigate, however having your already taxed salary paid into someone else's bank account would NOT be a trigger for such investigation.

I am glad you agree to the first point which is all that I was trying to get across.

peachyprice

td_007 wrote: »

All I have said all along is that HMRC could investigate PAYEs - which you will have agree is the case. The probability is small (again I never said it was something everyone should expect) but you could be the "unlucky" one. Would you agree ?

Yes, I agree that could happen, but all payments would be documented as to their source so HMRC would be happy and no offence would have occurred

The fact that is that it could happen to anyone, regardless of whether or not they share a bank account, so it's a moot point really. We're all at equal risk of being investigated and HMRC would not be bothered by the sharing of bank account, which is the point of the initial post :rolleyes:

Biggles

The OP (first post - still only her only post) must be wondering whether every (apparently) simple question opens such a huge can of worms; she'll probably never return!

;-)

masonic

td_007 wrote: »

All I have said all along is that HMRC could investigate PAYEs - which you will have agree is the case. The probability is small (again I never said it was something everyone should expect) but you could be the "unlucky" one. Would you agree ?

I don't understand how HMRC investigating PAYEs would be a problem for someone having their salary paid into an account they didn't own. They will still receive payslips and P45 certificates. If HMRC suspected the details on those documents were incorrect, surely they'd take it up with the employer?

Extant

td_007 wrote: »

All I have said all along is that HMRC could investigate PAYEs - which you will have agree is the case. The probability is small (again I never said it was something everyone should expect) but you could be the "unlucky" one. Would you agree ?

No, all you have shown is that people who are on PAYE and submit returns could be investigated. Their investigation would be carried out on the grounds that there were suspicions about their return, or as part of a random audit.

People who are deducted at source for income or pensions do not need to complete a return, and would not be subject to investigation - there is no grounds to.

As the hypothetical situation given is of a PAYE employee receiving their salary to another PAYE employed person's bank account, your assertion is irrelevant.

Even if the account credited was a self assessed person's account, it could be reasonably, and easily, evidenced (payslips, P45s, employer's returns to HMRC) that it did not form a part of that person's income and pose no significant issue. Again, this is not a "new" idea - this sort of situation has been in existence for years and years.

The grasping at straws here is mind boggling - there is no problem with receiving your salary/wage credit in to someone else's account what so ever.

Extant

masonic wrote: »

I don't understand how HMRC investigating PAYEs would be a problem for someone having their salary paid into an account they didn't own. They will still receive payslips and P45 certificates. If HMRC suspected the details on those documents were incorrect, surely they'd take it up with the employer?

Exactly. This is pretty much how it would go:

HMRC: What's this credit?
Mr A, who is undergoing an audit of his self assessed tax return: That's my wife's salary payment.
HMRC: Do you have a pay slip to evidence that?
Mrs A: Yes, I keep all my payslips for the recommended six years, here it is.
HMRC: Thank you very much, we're happy with this. We also have your NI number, should we need to confirm your employer has deducted tax at source in your name - which we can do by searching for their last annual PAYE and NICs returns.
Mrs A: Good-o, cup of tea, pip pip, etc.