Hi, I really need some help. I have a Wise account that my niece has been using. Unfortunately, she got into trouble with her Monzo account, which resulted in a CIFAS marker being placed against her name. This led to all her own bank accounts being closed. To support her, I let her use my Wise account for her day-to-day needs. She manages it herself and uses it to pay bills, rent, and other expenses. I don’t use this account personally—she is completely in charge of it. Now, I’ve been asked to provide four months’ bank statements from all of my accounts, and I’m worried about the Wise account. The balance and the transactions going in and out might raise questions, and I don’t want it to look like that money is mine. Since the Wise account doesn’t appear on a credit report, I was considering not disclosing it—but I’m anxious because I don’t know how to explain that the money has nothing to do with me. This situation has caused me a lot of stress and sleepless nights. I was only trying to help my niece, but now I’m afraid it could cause me problems. Please advise me on what I should do.
