Can HMRC access credit applications information?

noah271007

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 accounts, but the advisor at the bank can not see the other account, becuase it is in another bank. Is this correct?

Thats a very good valid point. How can they get round this?

You hear people get caught claiming benefits for many years and yet they are in full time employment and only caught because of a tip off! It does make you wonder whether the systems in place are out of date. More people now are less honest in society in general.

DarkFallout

noah271007 wrote: »

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.

Why should someone on benefits lie in order to get CC? A lot of them did not lie when applying.

Here is an example:

https://forums.moneysavingexpert.com/discussion/comment/34255375#Comment_34255375

noah271007

DarkFallout wrote: »

Why should someone on benefits lie in order to get CC? A lot of them did not lie when applying.

Here is an example:

https://forums.moneysavingexpert.com/discussion/comment/34255375#Comment_34255375

Most credit card lenders would not consider people who are unemployed and living on benefits!!! Therefore they would be seen as a high risk no matter how good their credit history is! It is no brainer mate!!

DarkFallout

noah271007 wrote: »

Thats a very good valid point. How can they get round this?

You hear people get caught claiming benefits for many years and yet they are in full time employment and only caught because of a tip off! It does make you wonder whether the systems in place are out of date. More people now are less honest in society in general.

In my opinion the are millionS of people commiting benefit fraud in this country.

It is cheaper for the government to give them benefits than to put them in prison. And there are obviously not enough prisons.

Prosecution for benefit fraud is very expensive thing as well.

So they focus only on multiple identities and reported claimants (see above or good neighbour calling the benefit fraud line).

DarkFallout

noah271007 wrote: »

Most credit card lenders would not consider people who are unemployed and living on benefits!!! Therefore they would be seen as a high risk no matter how good their credit history is! It is no brainer mate!!

Take a look how many credit cards do they have in this particular case and what is the benefit income?

noah271007

That doesn't answer my question.

It is not a matter of benefit fraud, but people lying on CC application declaring full time employment to maximise their chances of getting credit when they are actually on benefits.

If it is standard to request proof of employment when applying for credit (if stated full time employment) then this would almost solve the problem. But unfortunately not all lenders do this.

Innocent_Guy

Abuse Reported.

savagej

Lots of people get high enough benefit levels automatically credited to their current account for their bank to make super-accept decisions. I am on DLA amongst a lot of others and have a credit card with a good limit and loan of £6K with my bank. They kept asking me to take the loan out at least.

I understand if you are saying someone on jobseekers allowance is claiming to be getting £1000's per months and hence high limits, but the fact it comes from benefit is immaterial and frankly is in some cases at least disability discriminination.

What happens if they bank get my NI number, all that happens is that they can compare it with the one that appears on my bank statement and they can compre the amount of money I said I have coming in with the I have coming in. But not being employed due to a permanent disability should not be a bar to credit, there is a section in the Disability Discrimination Act 1995 about it.

Edit: if it is based on risk scoring and the govenerment do not get rid of DLA and I can never get better who has the higher chance of repaying their debt, someone in my position who will get paid until the day they drop dead or someone who could get fired or made redundant tomorrow ending up on a very low level of JSA themselves.

savagej

noah271007 wrote: »

That doesn't answer my question.

It is not a matter of benefit fraud, but people lying on CC application declaring full time employment to maximise their chances of getting credit when they are actually on benefits.

If it is standard to request proof of employment when applying for credit (if stated full time employment) then this would almost solve the problem. But unfortunately not all lenders do this.

Thats what National Hunter is for I though. Some banks do call up to check you work where you say you do and as for my earlier posts all my credits say something like DWP IS, or DWP DLA with my NI number so the bank knows where the money is coming from but still sees me fit to lend to. Do you object to this.

oldagetraveller

GhenghisKhan wrote: »

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

Did you know Sainsburys

Try Sainsbury's next time.