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

YorkshireBoy

ICan'tStandIt wrote: »

From what Craig has said, it doesn't sound like he will be in his new job very long anyway

What has Craig said that would lead you to draw that conclusion?

shortcrust

ICan'tStandIt wrote: »

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.

Wow. I bet you could convince yourself of just about anything.

ICan'tStandIt

YorkshireBoy wrote: »

What has Craig said that would lead you to draw that conclusion?

He mentioned that he doesn't tend to stay in jobs that long so he can 'spread bet' or something - whatever that is


Maybe I misunderstood and it's his dream job

shortcrust wrote: »

Wow. I bet you could convince yourself of just about anything.

No, nothing like that at all.


I am just being realistic as to what banks do in certain situations and what their priorities are. I certainly wouldn't condone anything more than the odd date change here or there by a month or so.


I put a different salary down on a credit card application once because I didn't earn the minimum they wanted - so I stuck an extra £5k on the form.

They gave me the card! Was that wrong of me to do that?

SeduLOUs

ICan'tStandIt wrote: »

I put a different salary down on a credit card application once because I didn't earn the minimum they wanted - so I stuck an extra £5k on the form.

They gave me the card! Was that wrong of me to do that?

Absolutely. You have deliberately lied for financial gain which is the dictionary definition of fraud.

AlTheElf

From previously working in a bank, they will ask what your current salary is. The situation at the moment you most likely wouldn't be eligible.

Realistically they probably would never find out, but it is slightly risky.

Although if they did find out, they probably wouldn't do anything. Maybe take the card away.

[Deleted User]

Matchedbetter wrote: »

Because it's the truth

So, you're happy to lie to a lender, but not to a potential employer?

It seems like your morality compass has lost its needle.

shortcrust

ICan'tStandIt wrote: »

He mentioned that he doesn't tend to stay in jobs that long so he can 'spread bet' or something - whatever that is


Maybe I misunderstood and it's his dream job





No, nothing like that at all.


I am just being realistic as to what banks do in certain situations and what their priorities are. I certainly wouldn't condone anything more than the odd date change here or there by a month or so.


I put a different salary down on a credit card application once because I didn't earn the minimum they wanted - so I stuck an extra £5k on the form.

They gave me the card! Was that wrong of me to do that?

Ok, we get it. You're very comfortable with fraud. Need to lie on a credit application? No problem for ICan'tStandIt. Not got a job? Just say you have. Don't earn enough? Just lie about your salary. After all, when compared to terrorism, fraud isn't really a big deal is it?

I've nothing more to contribute. Threads like this aren't good for my blood pressure.

SuperHan

To add a bit of perspective on the risk, although I have never knowing lied on a credit application, when extending my credit limit on my credit card the other month, I misread the box and put total household income in instead of just my salary (I should have split it in to two boxes, but I was in a rush!).

This inflated my income by nearly £40k. Nothing has happened in respect of this, I've applied for credit since and got it (while telling the truth about my salary), and I got accepted for the increase.

So as I say - while I'm not condoning bending the truth, it may not be quite as risky as some have mentioned (don't get me wrong, there is still a risk!)

SeduLOUs

@Superhan, your mistake was not a deliberate intention to deceive.

If you were investigated you could evidence where the numbers have come from and give a plausible explanation that you have mistakenly entered all of the household income in your personal income box whilst leaving the 'other household income' box untouched.

The person who added 5k to income to obtain a credit card could potentially get away with it by claiming it was a mistake, but realistically if you start misstating your income on multiple different applications it starts to become much more difficult to claim they were just errors.

I also find it highly unlikely that entering an employment with a salary of £20k+ under 'current income' when you haven't actually started a job and are still currently claiming JSA would be accepted as an 'honest mistake'.

ICan'tStandIt

AlTheElf wrote: »

From previously working in a bank, they will ask what your current salary is. The situation at the moment you most likely wouldn't be eligible.

Realistically they probably would never find out, but it is slightly risky.

Although if they did find out, they probably wouldn't do anything. Maybe take the card away.

So, there you have it.


What would the bank do in such a situation?


"...they probably wouldn't do anything...Maybe take the card away..."

shortcrust wrote: »

Ok, we get it. You're very comfortable with fraud. Need to lie on a credit application? No problem for ICan'tStandIt. Not got a job? Just say you have. Don't earn enough? Just lie about your salary. After all, when compared to terrorism, fraud isn't really a big deal is it?

I've nothing more to contribute. Threads like this aren't good for my blood pressure.

I'm not "very comfortable with fraud" at all. I've seen the damage it can do and the utter misery that the victims have to go through. I've known of cases where people have lost an entire month's wages just because they were 'shoulder surfed' at an ATM. Having worked in fraud departments in the past, I know some of the nasty stuff that goes on in the UK day in and day out, so don't lump me in with that lot simply because I said that someone could change a start date for a job by two months on a credit card application form.

If I thought that credit card applications were scrutinised to the extent that they probably should be then I would advise Craig not to do it as he would get found out.