Employment Detail on MBNA Application

Rupert_Bear

avin wrote: »

thanks but I havent received the card or credit agreement ye. can I call to withdraw my application?

I suggest you give them a ring and just say you have decided not togo ahead and they may accept your instruction over the phone.

Gromitt

Rupert_Bear wrote: »

Not too late as the OP still has the right to change her mind.

Right to choose not to accept the card, yes, but once you have declared knowingly false information on an application form and its been processed, it may be too late to undue that damage.

Ringing them up and declining the card may give them further suspicion of fraud (you've been found out and trying to back pedal)

However, Buzby's response sounds like a cunning plan!

YorkshireBoy

Gromitt wrote: »

However, Buzby's response sounds like a cunning plan!

I very much doubt it!

Depends on what the OP entered in the "time in current employment" section of the application form.

Anything other than 0y 0m and Buzby's suggestion falls flat on it's face!

So, OP, what did you enter for "time in current employment"?

jamesd

To be clear: a false declaration of employment or other details is the crime of attempting to obtain credit through fraud and there is the potential for a police report, criminal prosecution, guilty verdict and sentence. Here are the sentencing guidelines for fraud. A major mitigating factor is potentially a judgment that you did not intend to cause a financial loss. Assuming this is a first offence and that the amount of credit you could have got is under £5,000 the sentences you might get for a transaction that was fraudulent from the outset would be a community order and possible fine. If the amount exceeded £5,000 the upper range increases to up to 18 weeks in prison though that seems unlikely in this case because there was no loss and no intent to cause a loss, if that claim is accepted.

From the sentencing guidelines: "In principle, financial pressure is a factor that neither increases nor diminishes an offender’s culpability in relation to any type of dishonesty offence, including fraud" . There's nothing that suggests the circumstances were exceptionally bad enough for them to be a mitigating factor.

As a practical matter all that is likely to happen is a CIFAS marker saying that this was a fraudulent application that will make it hard to get credit while the marker is present. The application will be declined and an internal marker that will forever bar getting any credit from Virgin, MBNA or related businesses may be made.

Avoid making your boyfriend a clear co-conspirator by conference calling from work or visiting his work. As part of their fraud investigation they may well have already called work asking for you and been told that you don't work there. Conspiracy increases the potential severity of a sentence as well as introducing him as a criminal.

If you have a shared mortgage, bank or other financial account with your boyfriend, your credit record will show up when his is searched and the CIFAS marker on your record may decrease his chance of getting credit as long as he is a financial associate of you.

Rupert_Bear

Gromitt wrote: »

)

However, Buzby's response sounds like a cunning plan!

What a stupid idea. Heard about digging yourself a hole.

jamesd

consumerism wrote: »

No police involvement will occur as a result of this

Pretty much certainly true.

consumerism wrote: »

the difference between retail fraud and criminal fraud.

Where in the law is there a differentiation between these things when false information has been deliberately given in the application?

There's a huge practical difference because of the way financial institutions handle normal applications that are found to be fraudulent. They aren't normally reported to the police. Neither the banks nor the courts could handle the volume of offenses if they were.

Bravehearted_2

Buzby wrote: »

It won't be a matter for the police. MBNA are not alone in employing sharp practice when it suits them. In your situation, I'd simply embellish the story slightly by saying (if you can) you're awaiting the result of your interview as you didn't want to indicate you were between jobs. If this is a problem for them, ask them to treat you as unemployed and you'll update them with the new information later.

However, there are better outfits around, so you might be better off not having a card from them.

This is honestly the most !!!!!! thing I ever read on here.

Lie even more? So when you go for interviews, your practice is to tell people you work there prior to receiving an offer.

Your suggestion is simply to tell another (widely unbelieveable) lie to cover the first one?

Even more moronic is the poster that endorsed your idea above.

Bravehearted_2

OP that was a dumb thing to do.

But the solution is simple - get your boyfriend to employ you???

After all, you're already sleeping with the boss. If you can be bothered, make it all legit.

This isn't one of those cases where someone has lied that their employer is [insert FTSE100 company here]

Rupert_Bear

Bravehearted wrote: »

OP that was a dumb thing to do.

But the solution is simple - get your boyfriend to employ you???

After all, you're already sleeping with the boss. If you can be bothered, make it all legit.

This isn't one of those cases where someone has lied that their employer is [insert FTSE100 company here]

Brilliant idea but a little radical for my liking.

rachel_kisses

Put it down to experience and withdraw your application. Admit nothing