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Suspect bank statement is fake
Comments
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saajan_12 said:Surprised why everyone else is surprised at wanting to review bank statements - its a normal part of checking references and affordability, just like an estate agent or landlord would do for example.
Yes there are hurdles to pass such as registering with ICO, having a proper system to securely store the data, delete when not needed, etc but those would likely already be the case with other personal information held. Nothing in the OP to suggest that's at issue.
However OP, there's likely no way to fully verify, and I doubt the bank would help as it opens up GDPR things to check for the advisor without any benefit to them. All you can do is try to get a hold of a friend's statement to compare the format, or ask the person about the discrepancies in case there's an explanation, or ask them to show on the app . website itself. They may or may not be willing to answer.4 -
saajan_12 said:Surprised why everyone else is surprised at wanting to review bank statements - its a normal part of checking references and affordability, just like an estate agent or landlord would do for example.saajan_12 said:Yes there are hurdles to pass such as registering with ICO, having a proper system to securely store the data, delete when not needed, etc but those would likely already be the case with other personal information held. Nothing in the OP to suggest that's at issue.saajan_12 said:However OP, there's likely no way to fully verify, and I doubt the bank would help as it opens up GDPR things to check for the advisor without any benefit to them. All you can do is try to get a hold of a friend's statement to compare the format, or ask the person about the discrepancies in case there's an explanation, or ask them to show on the app . website itself. They may or may not be willing to answer.
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MattMattMattUK said:
Banks will not verify to random people, or indeed anyone other than the police or a court. In theory one could ask a bank to certify statements and send them to a solicitor, but that is a different process and needs to be initiated by the account holder, not a third party.
Schemes aren't open to the general public to join so not an option for the OP but just adding for completeness that there is more than just the police and courts.1 -
In my line of work, we often receive documents titled Transaction list rather than actual bank statements when a customer banks with NatWest (or same banking group), which looks different to the statement examples been given on this thread. I believe it’s what you are given if you go into one of their branches and request a statement, or also by the sounds of it what you get when generating a statement online. So just because it’s says says transaction statement I wouldn’t be suspicious of the document based on that
For the purposes of what my company use bank statements for, we don’t accept transaction lists as we are unable to get them verified for authenticity. I’m not part of the team that actually deals with it so not 100% sure how it works, but like DullGreyGuy has said, my company is part of the scheme that can have bank statements verified to see if they are genuine.Depending on what you are using the bank statements for, having the transaction list may or may not be ok for you. However in terms of getting it verified to see if it’s genuine, as an individual it will be extremely difficult to do if it impossible0 -
Like most posters it's unclear to me why you would want to do this, but if you do need it then surely one way is to go to a branch of the other person's bank with them so that they can get the account statement printed in your presence, which would at least tell you that the contents match up with what the bank has in it's records.
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I am with NatWest!Why u think statement is fake??This is my monthly bank statements from NatWest (info blocked)
this is my traction list (info blocked out) is the statement one of the pictures0 -
Perhaps the OP wanted to have confirmation that the account holder had made a payment to the OP's account - because it hadn't arrived in their own. Someone making a private sale of a car perhaps?0
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General_Grant said:Perhaps the OP wanted to have confirmation that the account holder had made a payment to the OP's account - because it hadn't arrived in their own. Someone making a private sale of a car perhaps?
No funds in your account. No goods sent.
Buyer has to chase their bank as to where the funds have gone.Life in the slow lane1 -
General_Grant said:Perhaps the OP wanted to have confirmation that the account holder had made a payment to the OP's account - because it hadn't arrived in their own. Someone making a private sale of a car perhaps?
If I wanted to show I'd paid something I'd just send them the screenshot of that single payment not a full list of every transaction I've made. On the flip side if someone was paying me then they dont get their goods till I see it in my account irrespective of what evidence they have that they wired the money.2 -
I assumed the OP was a private landlord trying to vet a potential tenant. Regardless of the rules about what landlords can ask of potential tenants those rules are routinely broken by landlords trying find reliable tenants and by tenants desperate to get into a decent property.1
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