Would you accept having your bank account checked?

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Comments

  • WhatThe
    WhatThe Community Member, Scope Member Posts: 5,590 Championing
    edited November 2023

    Poppy, thank you
    Not so much drip feeding as still trying to understand and explain what's happened. You know I've learned masses from this forum. 

    Bundles of calculations from my local authority every month told me of a CoC and what I'd earned from self-employment - that was notified by UC they confirmed to me. 
     
    Biblioklept, no Transitional Protection or backdating, no NIC's, no RTI feed, duplicated employment start/end dates and dodgy tax codes - they ignore questions and claim to know nothing pre-UC  :/   


  • Wibbles
    Wibbles Community Member Posts: 3,449 Championing
    It seems that 2024 benefits increase will be only 4.6%, Rather than 6.7%, if the chancellor fiddles the way that the rise is calculated using October inflation rate rather than September.......
    Yet those earning more than £12500 will benefit slightly more due to a drop in NI contributions (although more taxable income = more taxes) 
  • Wibbles
    Wibbles Community Member Posts: 3,449 Championing
    edited November 2023
    I was wrong - he increased benefits and pensions by Septembers 6.7% - that's good !
    State Pensions increase by 8.5%
    But where is all this money being borrowed from ?
  • Albus_Alumni
    Albus_Alumni Scope alumni Posts: 11,423 Championing
    Pensions increased by 8.5% in fact.
  • poppy123456
    poppy123456 Community Member Posts: 64,456 Championing
    Wibbles said:
    I was wrong - he increased benefits and pensions by Septembers 6.7% - that's good !
    State Pensions increase by 8.5%

    Not forgetting the LHA increases, finally!!! 
  • 2oldcodgers
    2oldcodgers Posts: 739 Connected
    Wibbles said:

    But where is all this money being borrowed from ?
    Precisely! I too would love to know where the magic money tree is.
  • IMStruggling
    IMStruggling Community Member Posts: 26 Connected
    I watched the Autumn Statement in its entirety.  There was no mention whatsoever of the DWP/ UC looking at people's bank accounts on a monthly basis.  Why are people presenting this story as if it is true??
  • WhatThe
    WhatThe Community Member, Scope Member Posts: 5,590 Championing

    It's not new money but money set aside for public services so swings and roundabouts..

    We all fund the Warm Home Discount Plus in our energy bills too.

     
  • worried33
    worried33 Community Member Posts: 1,046 Championing
    edited November 2023
    Personally no issue with it, I have nothing to hide, I even sent DWP 6 years banks statements to help them make a decision on EDP backpayment.

    However politically, I think if they doing this they should also be doing it for all self employed to see if they not fiddling their books.  I have a problem with us getting treated differently in that respect.

    I just glanced at Rosie's post and I think its a very good point, there is the potential for this to become a stepping stone to something that I would not be ok with.
  • apple85
    apple85 Community Member Posts: 903 Championing
    edited November 2023
    https://www.ukauthority.com/articles/dwp-to-be-allowed-more-checks-on-bank-data/#:~:text=The%20plan%20has%20been%20announced,over%20the%20benefit%20eligibility%20threshold.

    i don’t believe this is a repeat article (I know repeat postings annoy lots of us including myself - I’ve reread this several times)

    the gov are choosing to amend a pre existing bill rather than putting forward a new bill - this means it could be implemented within 3 months (less time than a new bill - but if amendments go to the House of Lords that may delay things as some lords have already spoken out)

    but it sounds like more details are being presented to Parliament this week (and that reading between the lines it may not be as extreme as 1st thought but don’t quote me on that) - edit Wednesday 29th nov 2023

    Edit: more detailed article

    https://techmonitor.ai/government-computing/data-protection-bill-digital-information-dwp-benefit-claimants


    2nd edit: I understood things a little bit correctly

    the ‘power for dwp to regularly look at claimants bank accounts’ is amending a pre existing bill (I got that bit right)

    however said bill has yet to reach royal assent (aka it’s still a new bill in process so may take longer to get through than a mere amendment)

    also I’ve noticed that the House of Lords have not even had a 1st reading - (https://www.parliament.uk/business/lords/work-of-the-house-of-lords/making-laws/)
    edit - may of answered my own question
    https://www.parliament.uk/about/how/laws/passage-bill/commons/coms-commons-third-reading/

    3rd edit: I think I fully understand this now - the House of Commons is having its 3rd reading (I don’t know if this will include mp’s voting on amendments to the bill) on 29th nov.

    after then the House of Lords will need to repeat the process from 1st to 3rd reading which will take a little time.

    then you get the ‘ping-pong’ stage which takes an undefined amount of time before royal assent can happen and things are made into law

    if a bill is straightforward it can reach royal assent within 3 months - however I’m 99% that this certainly isn’t straightforward (and I know some lords don’t like the idea of the dwp regularly looking at bank accounts) so royal assent may be a good few months off yet (going by research - can’t say with 100% certainty as I’m self teaching myself all this)


    details on this bill:

    https://bills.parliament.uk/bills/3430

    https://commonslibrary.parliament.uk/research-briefings/cbp-9803/
  • Wibbles
    Wibbles Community Member Posts: 3,449 Championing
    edited November 2023
    apple85 said:
    https://www.ukauthority.com/articles/dwp-to-be-allowed-more-checks-on-bank-data/#:~:text=The%20plan%20has%20been%20announced,over%20the%20benefit%20eligibility%20threshold.

    i don’t believe this is a repeat article (I know repeat postings annoy lots of us including myself - I’ve reread this several times)

    the gov are choosing to amend a pre existing bill rather than putting forward a new bill - this means it could be implemented within 3 months (less time than a new bill - but if amendments go to the House of Lords that may delay things as some lords have already spoken out)

    but it sounds like more details are being presented to Parliament this week (and that reading between the lines it may not be as extreme as 1st thought but don’t quote me on that) - edit Wednesday 29th nov 2023

    Edit: more detailed article

    https://techmonitor.ai/government-computing/data-protection-bill-digital-information-dwp-benefit-claimants


    2nd edit: I understood things a little bit correctly

    the ‘power for dwp to regularly look at claimants bank accounts’ is amending a pre existing bill (I got that bit right)

    however said bill has yet to reach royal assent (aka it’s still a new bill in process so may take longer to get through than a mere amendment)

    also I’ve noticed that the House of Lords have not even had a 1st reading - (https://www.parliament.uk/business/lords/work-of-the-house-of-lords/making-laws/)
    edit - may of answered my own question
    https://www.parliament.uk/about/how/laws/passage-bill/commons/coms-commons-third-reading/

    3rd edit: I think I fully understand this now - the House of Commons is having its 3rd reading (I don’t know if this will include mp’s voting on amendments to the bill) on 29th nov.

    after then the House of Lords will need to repeat the process from 1st to 3rd reading which will take a little time.

    then you get the ‘ping-pong’ stage which takes an undefined amount of time before royal assent can happen and things are made into law

    if a bill is straightforward it can reach royal assent within 3 months - however I’m 99% that this certainly isn’t straightforward (and I know some lords don’t like the idea of the dwp regularly looking at bank accounts) so royal assent may be a good few months off yet (going by research - can’t say with 100% certainty as I’m self teaching myself all this)


    details on this bill:

    https://bills.parliament.uk/bills/3430

    https://commonslibrary.parliament.uk/research-briefings/cbp-9803/
    I really love the way that article ends :
    "Technology secretary Michelle Donelan said the bill is indicative of the fact that Britain “has seized a key Brexit opportunity – boosting small businesses, protecting consumers and cracking down on criminal enterprises like nuisance calling and benefit fraud.”

    I mean brexit has nothing to do with it at all
    But "criminal enterprises" - that will get the Lords on "our side"!! 
  • 2oldcodgers
    2oldcodgers Posts: 739 Connected
    Why when they are fully aware of the outrageous fraud that went on during the pandemic. Very little hope that it will be recovered. 
    I know of one guy who went in to my local JLR dealership with his 'funding for business' and ordered a Range Rover Vogue costing well over £120,000 AND wanted to pay cash for it. They refused so he had to move the money around and into his wife's bank account.
    She produced an invoice for her husband that read -' for business management and professional advice'. She ran her own accountancy firm from home.
  • poppy123456
    poppy123456 Community Member Posts: 64,456 Championing
    2oldcodgers said:

    I know of one guy who went in to my local JLR dealership with his 'funding for business' and ordered a Range Rover Vogue costing well over £120,000 AND wanted to pay cash for it. They refused so he had to move the money around and into his wife's bank account.
    She produced an invoice for her husband that read -' for business management and professional advice'. She ran her own accountancy firm from home.
    My goodness, you always “seem” to know people who you claim have done bad things like commit fraud of some kind.
  • gjw59help
    gjw59help Community Member Posts: 69 Contributor
    As long as people are being paid for by"cash in hand" ie mobile hairdressers DJ's and many others taking over £1000 a week and stating they earn a couple of hundred then claim Universal Credit there will always be fraud getting everyone tarred with the same brush so not sure if checking bank accounts will sort it out
  • vikingqueen
    vikingqueen Scope Member Posts: 2,002 Championing
         Oh @2oldcodgers me thinks you tell tall tales  :/ Why on earth would you be told someone walked into a dealership with £120k and then proceed to tell you they tried to commit bank fraud!!! 
        My son-in-law deals with an awful lot of cash in his business and needs paperwork to show the bank where the money has come from, even for a paltry sum of £10k 
  • chiarieds
    chiarieds Community Member Posts: 17,440 Championing
    2manyporkies strikes again!
  • 2oldcodgers
    2oldcodgers Posts: 739 Connected
    gjw59help said:
    As long as people are being paid for by"cash in hand" ie mobile hairdressers DJ's and many others taking over £1000 a week and stating they earn a couple of hundred then claim Universal Credit there will always be fraud getting everyone tarred with the same brush so not sure if checking bank accounts will sort it out
    It's funny that you mention DJ's who in the main deal only in cash.
    That is so true and to be honest I could go back to the early 60's & 70's when it was rife. But you forget musicians. I have been involved in that industry on a part time/week end basis since the early 60's. All of the income that we earned as a 4 piece rock band was always cash in hand and if they wanted a signature in the book - it was either Mickey Mouse, Donald Duck etc. It was how it was and still is to some degree.
    I do have to be honest that what we each made always went on travelling costs, repairs to equipment and new instruments leaving just enough for a few pints each after each gig!
    Over the years I have played for many of the well known pop artistes as a backing band. Gerry Marsden, Freddie Garrity, Susan Maughan etc etc.  Most are now either dead or in a care home but younger ones I still see and meet up when they are gigging locally. I haven't played at that level since February 1980 when I met my second wife at a gig at what is now the Manchester O2 - formerly known as 'The Ritz'.  She 'persuaded' me to settle down!! Although she did allow me 9 years ago, not to play though, but meet up with my young cousin, Jason, guitarist of 'The Brew' at the 100 Club in London where he was playing a one nighter.



     
  • Adrian_Scope
    Adrian_Scope Posts: 14,437 Online Community Programme Lead

    Note from online community team:

    Where possible we like all discussions to continue, but we’re choosing to pause this discussion for now so things can cool down and we can review it. For more information, please read our online community house rules.

    We will review it and if we are satisfied the discussion can continue, we will hope to un-pause it by 28th November.

  • 2oldcodgers
    2oldcodgers Posts: 739 Connected
    vikingqueen said:
         Oh @2oldcodgers me thinks you tell tall tales  :/ Why on earth would you be told someone walked into a dealership with £120k and then proceed to tell you they tried to commit bank fraud!!! 
        My son-in-law deals with an awful lot of cash in his business and needs paperwork to show the bank where the money has come from, even for a paltry sum of £10k 
    Tales? I seem to have a more interesting life than you.
    Ok there is no bank fraud involved. The money he used to buy the vehicle came from the government to keep the business going through the lockdown. He didn't need the money but it was more or less given to him with no questions asked. So he thought that he might as well by a company vehicle for himself with it. He was a little annoyed that they would not take cash. So his wife totted up the time spent on her husband's business and charged him accordingly. She then bought the car and included it as a company asset in her business. Absolutely legal and above board.
    There was no need for the vehicle as such or the money but they thought it best to spend it. The guy in question is a family friend.

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