'Income' for wife

macthemaths

Thanks again to all. And actually, I've just realised - she claims one of our child allowances and therefore does have her own income.

Happy MJ - I thought that if I put a 0 income and 0 outgoings the bank wouldn't open an account for her.

I'll ask her to open an account putting the Child Allowance as her income and see where we go from there.

HappyMJ

macthemaths wrote: »

Thanks again to all. And actually, I've just realised - she claims one of our child allowances and therefore does have her own income.

Happy MJ - I thought that if I put a 0 income and 0 outgoings the bank wouldn't open an account for her.

I'll ask her to open an account putting the Child Allowance as her income and see where we go from there.

The child benefit is in her name is it.

That's also joint income and her personal income so yes that would be a valid figure to enter.

YorkshireBoy

macthemaths wrote: »

Happy MJ - I thought that if I put a 0 income and 0 outgoings the bank wouldn't open an account for her.

Those would be my thoughts too. After all, two of the questions are 'how often will you fund' and with 'how much'.

I'll ask her to open an account putting the Child Allowance as her income and see where we go from there.

Unless you've bred a football team that's not going to amount to much is it?

You're quite free to do whatever you like, but in your shoes I'd do as I suggested above and state she receives £800-1000 a month (housekeeping if asked for proof after account opening) and tick the box for 'bills account'.

tomxlisa

YorkshireBoy wrote: »

There are two ways of approaching this...without committing application fraud!...

1. Open a joint account, then change it to a sole account in her name only after a short while.

2. She applies in her sole name, stating her occupation truthfully as 'home maker' and giving a figure of, say, £800 per month in the 'other income' field. The form doesn't ask for the source of this income (but does say they may request proof). She'd then say she receives this income by 'standing order' by ticking the appropriate box.

Doing either of the above will ensure she does not receive a category 3 or 4 CIFAS marker for 'material falsehood: application denied' or 'material falsehood: application granted'.

Doing it your originally proposed way doesn't offer such a guarantee!

If you get one of these markers do they normally show up on your credit report under the CIFAS bit or can you not see if you do have this marker or not?.

YorkshireBoy

tomxlisa wrote: »

If you get one of these markers do they normally show up on your credit report under the CIFAS bit or can you not see if you do have this marker or not?.

I've no idea, as I've never submitted false information on an account application form!


But sometimes providers will simply put a (non-CIFAS) marker on a Fraud Prevention Agency database if they have some doubts as to the legitimacy of application data.

HappyMJ

tomxlisa wrote: »

If you get one of these markers do they normally show up on your credit report under the CIFAS bit or can you not see if you do have this marker or not?.

Probably more likely to end up as a record at National Hunter. They have a record of the answers you give in applications and verify the answers you give in a future application match with a previous application. If you said you had a personal income of £1,000 a month this year working for X employer and next year you enter that you have a monthly income of £2,000 doing exactly the same work for exactly the same employer this is when they might just ask for proof of income.

You can ask National Hunter for the information they hold about you.

tomxlisa

Thanks for replies, I was just interested to know, I've just read online that the markers stay on for 13 months but applications don't get rejected because of a marker apparently.

gunsandbanjos

tomxlisa wrote: »

Thanks for replies, I was just interested to know, I've just read online that the markers stay on for 13 months but applications don't get rejected because of a marker apparently.

There's not an auto reject for CIFAS but in my experience it will generate a referral and be looked at manually.

And it's 6 years not 13 months.

colsten

tomxlisa wrote: »

Thanks for replies, I was just interested to know, I've just read online that the markers stay on for 13 months but applications don't get rejected because of a marker apparently.

I don't know where you read this. Some markers stay for a lot longer than 13 months, and you can be certain that if you have a fraud marker, no application will be accepted.