Can HMRC access credit applications information?

stclair

DarkFallout wrote: »

I think that is related to the ID/address checks performed by HMRC.

Yes it something like that i know someone who claimed tax credits and when they called. They was asked to confirm information from there credit file. Example did they have any loans etc.

stclair

GhenghisKhan wrote: »

You illiterate Notts county supporting sub prime trash.

Please do learn how to use the correct grammar and maybe take a few courses in how to spell properly.

Did you know Sainsburys have a remit to take on so many disadvantaged and disabled people so you were obviously lucky on this occasion

It wont be long before youre back on here bleating on about how much you miss your sexy dla allowance and that conveniently enough Sainsburys had to let you go

You thick Nottinghamshire sub prime scum

Huh ????????????????????????????

noah271007

I am talking about people lying on their credit applications. How will they get caught out?

An example:

A single man on benefits.

He decided to apply for a CC. Fill in application to state he is employed and earn £24k after tax (net pay).

Application granted. Got 10K CL.

Can HMRC be informed of this information for benefit fraud purposes? - after all, if he is actually employed full time, then he shouldn't be on benefits right?

It looks like the current system in place for detecting this kind of stuff is not available.

sutton111

noah271007 wrote: »

I am talking about people lying on their credit applications. How will they get caught out?

An example:

A single man on benefits.

He decided to apply for a CC. Fill in application to state he is employed and earn £24k after tax (net pay).

Application granted. Got 10K CL.

Can HMRC be informed of this information for benefit fraud purposes? - after all, if he is actually employed full time, then he shouldn't be on benefits right?

It looks like the current system in place for detecting this kind of stuff is not available.

Surely though N Hunter works in this way to stop financial fraud like you've described.

zppp

noah271007 wrote: »

I am talking about people lying on their credit applications. How will they get caught out?

An example:

A single man on benefits.

He decided to apply for a CC. Fill in application to state he is employed and earn £24k after tax (net pay).

Application granted. Got 10K CL.

Can HMRC be informed of this information for benefit fraud purposes? - after all, if he is actually employed full time, then he shouldn't be on benefits right?

It looks like the current system in place for detecting this kind of stuff is not available.

Oh it does. I have had people applying for a loan and when you look at their account, they have JSA and full time pay.
What happens to them? They get reported to HMRC and have their account managed out after we hear a reponse from HMRC. The problem with CCs, is they are not only offered by providers of bank accounts. Therefore unless they look at salary slips etc, they don't have any other way of verifying unless they can see your bank account.
I report at least 1/2 per week.

DarkFallout

zppp wrote: »

Oh it does. I have had people applying for a loan and when you look at their account, they have JSA and full time pay.
What happens to them? They get reported to HMRC and have their account managed out after we hear a reponse from HMRC. The problem with CCs, is they are not only offered by providers of bank accounts. Therefore unless they look at salary slips etc, they don't have any other way of verifying unless they can see your bank account.
I report at least 1/2 per week.

And if you have 2 accounts, JSA going to the first one and the full time pay to the second one?

And how do you understand it is a full time pay?

zppp

DarkFallout wrote: »

And if you have 2 accounts, JSA going to the first one and the full time pay to the second one?

And how do you understand it is a full time pay?

That's the point in reporting it to HMRC, for them to investigate them.

DarkFallout

zppp wrote: »

That's the point in reporting it to HMRC, for them to investigate them.

What I meant is if you have 2 different accounts with 2 different banks and JSA going to one of them and full time pay to other - you will not see it, right?

May be HMRC has some software checking different accounts, but the advisor at the bank can not see the other account, becuase it is in another bank. Is this correct?

noah271007

zppp wrote: »

Oh it does. I have had people applying for a loan and when you look at their account, they have JSA and full time pay.
What happens to them? They get reported to HMRC and have their account managed out after we hear a reponse from HMRC. The problem with CCs, is they are not only offered by providers of bank accounts. Therefore unless they look at salary slips etc, they don't have any other way of verifying unless they can see your bank account.
I report at least 1/2 per week.

At least they had a full time job!!

What about those who on benefits? And yet lied on application they had a job in order to get the CC?

I have not had a convincing answer yet to my orginal first post.

There seems to be loopholes regarding credit fraud. Not that im surprised.

zppp

DarkFallout wrote: »

What I meant is if you have 2 different accounts with 2 different banks and JSA going to one of them and full time pay to other - you will not see it, right?

May be HMRC has some software checking different account, but the advisor at the bank can not see the other account. Is this correct?

Quite possibly. I wouldn't know to be truthful, as it is probably classified information. Bank staff are however on the front line of dealing with benefit fraud/tax evasion/fraud/money laundering, as well as systems.

Point is, people won't get away with it, especially if they deal with me.