Handwritten wage slips

jenny808

Hi, we are in the process of applying for a mortgage with Halifax, valuation was done last week and came back ok. We sent in 1 wage slip each as requested, but they called to say they can't accept my husbands wage slip as it is handwritten (he works for a tiny company, is the only employee, they don't use an accountant). His wages are paid in cash, not into our bank account, so can't use bank statements to show wages being paid in. P60 is also handwritten, so again won't accept it. The guy on the phone said it's an unusual situation, so is passing it to a business assessor and we will get a decision by the end of the week. Does anyone have any experience of this or any idea what our chances of it being approved are? LTV is only 45% if that makes any difference, thanks.

ACG

You could call HMRC and ask for a statement of earnings.

Im not entirely sure whether that will be accepted or not but it might help sway the decision in your favour.

Thrugelmir

Without making any assertions directed at you. This is so open to abuse that you may struggle. Payment in cash is unusual too in this day and age. Most small companies ( 1-5 employees) contract out their payroll as its such a specialism these days. Getting it wrong can incur hefty fines for the employer.

Thrugelmir

ladeeda wrote: »

He should still receive a P60 each year. Surely that would do?

What does it prove? I can obtain the stationery and write one out. The fact that wages are in cash means that there's nothing to substantiate even a P60.

ladeeda

Thrugelmir wrote: »

What does it prove? I can obtain the stationery and write one out. The fact that wages are in cash means that there's nothing to substantiate even a P60.

Not a thing when the P60 is hand written - just noticed that and deleted the post.
Might be worth speaking to the employer and asking for computerised payslips. No lender wants hand written payslips or cash payments.

Thrugelmir

ladeeda wrote: »

Not a thing when the P60 is hand written - just noticed that and deleted the post.
Might be worth speaking to the employer and asking for computerised payslips. No lender wants hand written payslips or cash payments.

No need to delete posts. :beer:

Contemptuous

The only way forward would be for your husband's employer to write a letter confirming his income. Still not sure it'll be accepted though if the money can't be seen being paid into the bank.

sockpuppet

ACG wrote: »

You could call HMRC and ask for a statement of earnings.

Im not entirely sure whether that will be accepted or not but it might help sway the decision in your favour.

This is probably the best idea. We have used these before in a few cases. Like an sa302 but for someone employed not self employed. Worth a try.