Is it a serious crime to lie about your wage?

Ryan.Maloney

mrcow wrote:

Fair enough......


But the font he's used in his opening post is IMO unforgivable :rolleyes:

I'm sorry about the font, I was freaking out a bit yesterday.

I know how stupid I was

I know how UTTERLY ABSURD it was for me to FAKE UP BANK STATEMENTS - which is why I never did it!

Also, I use a friends internet connection at his house (me pay for internet access when it's free at uni - NEVER!)

I have been a complete and utter idiot, but please believe me, I am generally not dishonest. I am totally desperate.

I feel totally ashamed.

I wanted the £15,000 to pay off my other loans (so my monthly repayments & interest would be lower)

mrcow

:T Fair play for returning back to the thread (I thought you'd gone into hiding from us all ).

Ryan.Maloney

Also, I should add that I can never return to my previous employers - as they would have been told 'Ryan Told us he works in [this position] for [this much money] - is this true?'. .. and they said 'no -it's a lie'

d'oh. I was really well liked at my previous work place - I found the work easy and the pay was okay. damn damn damn.

mrcow

Ryan.Maloney wrote:

I feel totally ashamed.

We've all done things we're ashamed of (well I know I have at least lol!). Seriously, stop beating yourself up about it, as it's done now and you can't take it back.

I'd agree about seeking advice if you can, just so you know what to expect if (and I mean if) they do take it further.

I'm not sure what to suggest about your credit record etc. as for sure there is going to be a blot on it, and I can't see a way round it. If you hear anything more from them, (I'm sure that they will write to you and let you know what they intend doing) then let us know as there are loads of people here who can advise.

Ryan.Maloney

mrcow wrote:

We've all done things we're ashamed of (well I know I have at least lol!). Seriously, stop beating yourself up about it, as it's done now and you can't take it back.

I'd agree about seeking advice if you can, just so you know what to expect if (and I mean if) they do take it further.

I'm not sure what to suggest about your credit record etc. as for sure there is going to be a blot on it, and I can't see a way round it. If you hear anything more from them, (I'm sure that they will write to you and let you know what they intend doing) then let us know as there are loads of people here who can advise.

With regards to credit rating, I'm declaring bankrupcy anyway.

mrcow

Ryan.Maloney wrote:

Also, I should add that I can never return to my previous employers - as they would have been told 'Ryan Told us he works in [this position] for [this much money] - is this true?'. .. and they said 'no -it's a lie'

d'oh. I was really well liked at my previous work place - I found the work easy and the pay was okay. damn damn damn.

The only way you'll find that out is if you contact them. Is it a large company? (as they may be slightly more unforgiving), if not, then you can always try the "I've really messed up" approach.

If they value your previous work, then maybe they'll listen?

chugalug

Don't usually come over to this board so hi everyone!! I noticed the OP's name on the forum index so popped in to see what this was about.

I just wanted to say that the OP obviously has problems as he has posted on the student thread regarding hardship loans and other problems. Take a look (sorry I can't do links).

Please OP, take some of the advice you've been given. You'll never get out of this hole until you either take appropriate action or get someone on your side to help you. It won't go away and will probably follow you around for years unless you deal with it.

Nuff said I think..................

regularsaver1

To be honest the person who keyed the loan in the bank would probabaly get in more trouble

calleyw

Ryan.Maloney wrote:

With regards to credit rating, I'm declaring bankrupcy anyway.

Our these student loans by any chance. Because if so I was under the impression that they are not included when you go bankrupt so still have to pay them back.

Yours


Calley

Ryan.Maloney

calleyw wrote:

Our these student loans by any chance. Because if so I was under the impression that they are not included when you go bankrupt so still have to pay them back.

Yours


Calley

Student Loans are not exempt from bankrucpty - yes they closed that loop hole and I will still have to pay it back

However, interest rates are reasonable. Also, I feel morally obliged to pay that back - no problem with that at all.

No - bankrupcty is for professional loans

varies from £1800-£2000 on 3 students accounts ( I should only have one - but i wanted the free gifts a few years back and I became desperate for cash)

- professional loans - I was doing medicine/law/dentistry - after your second year you can borrow up to £15,000 from NatWest and RBS

Well I borrowed £10k in total from NatWest and RBS


In addition, I have £10k on credit cards. (They upped my limit every year or so without me asking)

..so all unsecured debts...


I don't mind paying it back, infact I feel I should , but I can't under after I have graduated from my NEW degree