New job in 2 months, can I use that salary when applying?

YorkshireBoy

ICan'tStandIt wrote: »

This isn't fraud

Which CIFAS category marker numbers are "Material Falsehood: Facility Granted" and "Material Falsehood: Facility Denied"?


2nd question...when you have one of these how long is it before you can get access to credit again?

HappyMJ

YorkshireBoy wrote: »

Which CIFAS category marker numbers are "Material Falsehood: Facility Granted" and "Material Falsehood: Facility Denied"?


2nd question...when you have one of these how long is it before you can get access to credit again?

A few months.

Matchedbetter_2

I have done done Matched betting in the past, but the problem is that once your pull the initial £1000 or whatever from matched betting, there are little further opportunities to make more money using matched betting.

Also in response to the try and find a job comments, I am trying but not a lot of people are looking for someone willing to work such a short period of time.

ICan'tStandIt

shortcrust wrote: »

Sorry, but it is fraud. The OP would be deceiving for financial gain.

Do you really think that lying about your employment status and income is a "slight bending of the truth"?!

Sorry, but yes I do.


A bank is very unlikely to want to press charges against the likes of Craig - they've got much bigger fish to fry.


Banks are too busy trying to find out if people are laundering money and passing it to ISIS - and other similar nutcases - than to be that fussed about someone changing the start date of their new job by two months on a credit card application.


It's a couple of months, not a couple of years. If the bank got wise to it, Craig could just say that he was due to start on the date he put on the form but it was put back a couple of months.


It's really not a big deal. If Craig was inventing a job that didn't exist to try and get credit, that's a totally different thing.

[Deleted User]

Matchedbetter wrote: »

Also in response to the try and find a job comments, I am trying but not a lot of people are looking for someone willing to work such a short period of time.

Why would you tell a potential employer, that you only intend to remain with them, for a few months?

HappyMJ

Matchedbetter wrote: »

I have done done Matched betting in the past, but the problem is that once your pull the initial £1000 or whatever from matched betting, there are little further opportunities to make more money using matched betting.

Also in response to the try and find a job comments, I am trying but not a lot of people are looking for someone willing to work such a short period of time.

Are you kidding? That's my main source of income. I've been doing MB since 2007 and still make around £1,000 a month profit every month. I've got all the spreadsheets proving it. There are literally hundreds of offers.

I've still got another dozen lined up to do when I find the time.

Matchedbetter_2

Bedsit_Bob wrote: »

Why would you tell a potential employer, that you only intend to remain with them, fir a few months?

Because it's the truth, and I don't want future potential employers to phone them up for references and they end up telling my future employer that I left after 6 weeks.

HappyMJ

Matchedbetter wrote: »

Because it's the truth, and I don't want future potential employers to phone them up for references and they end up telling my future employer that I left after 6 weeks.

You don't mention that employer ever again. You just leave it off your CV. There isn't a database an employer can look up to ring your previous employers. You have to give them the name, a contact and a number helps.

InsideInsurance

ICan'tStandIt wrote: »

This isn't fraud - that's a very emotive word - this is a slight bending of the truth. It's not as though he is putting down that he earns £100k whilst only getting JSA and there is no new job whatsoever in the offing.

There is no grey area, you are either telling the truth or you arent. If you arent, eg you are bending the truth, then its fraud.

As no one can see into the future there is a chance that the OP may never actually start that job in October and so your slight bending of the truth then moves into your claiming to be employed when your actually only getting JSA

As to the consequences, a loading to CIFAS which lasts 6 months if memory serves me right. If the OP is relocating that may cause problems with references for his new home if letting or for any mortgage application if buying.

Possibly the bigger pain is if their current banking and credit providers do sample checks and discover the CIFAS loading and decide they dont want someone as a customer who another bank has loaded for first party fraud.

ICan'tStandIt

InsideInsurance wrote: »

There is no grey area, you are either telling the truth or you arent. If you arent, eg you are bending the truth, then its fraud.

As no one can see into the future there is a chance that the OP may never actually start that job in October and so your slight bending of the truth then moves into your claiming to be employed when your actually only getting JSA

Yes, I agree that "claiming to be employed when you are actually only getting JSA" is wrong, but all he is changing is the start date of a new job and he is changing it by two months. Craig could put the right date down and that might change anyway.


It is not ideal to have to lie in such situations, but it is not the end of the world. Banks are trying to shut down accounts used by people funding terrorists and drug dealers or would you rather that they put their time and resources into people putting a different start date for a job on their application forms?


Which to you is more important? Tracking down the likes of Craig or someone planning another 7/7?


From what Craig has said, it doesn't sound like he will be in his new job very long anyway so it is probably a moot point.