- #Is it possible to create fake bank statement how to#
- #Is it possible to create fake bank statement verification#
"The terms clearly state that work is produced for novelty purposes, what the clients do with the work is their business," he said. "Any assumption that these will not be able to be manipulated could prove a problem."ĭominic Green, general manager of one of the websites that offers replica payslips, told the Observer he believes his website has been used by far more legitimate clients than those needing the documents for fraudulent purposes.
#Is it possible to create fake bank statement verification#
"This is because the FSA is asking our members to move back towards more physical verification of income, such as bank statements and payslips. "Under the new mortgage market review we could find these become even more problematic. "These are still a concern," says Sue Anderson at the CML. Yet lenders say fake payslips continue to be a problem and the Council of Mortgage Lenders (CML) ( believes the websites could become more prevalent. In the past two years, mortgage lending has been seriously curtailed while, at the same time, the Financial Services Authority has been coming down hard on mortgage brokers who act fraudulently. "We are therefore aware they still operate but the only people able to shut them down are the police." "Earlier this year there was a letter sent into us by a member who had been approached directly by one of these websites offering this service.
The IPP also drew attention to the websites in 2007 but Karen Thomson, its associate director of policy, research, and strategic visibility, says little seems to have changed since then. Some of them might be used for recreational purposes but some of them obviously incite fraudulent activities." "The Home Office took the view they were legal because they could be used for recreational purposes, but we were very suspicious of that. "As far back as five years ago, a working group that included the Home Office and the Metropolitan Police was looking into these websites," said Chris Lawrenson, head of legal services at the BSA. "They know it goes on, but they don't have the wherewithal to close it down." The websites have been operating for years and various organisations, including the Building Societies Association (BSA) ( and the Institute of Payroll Professionals (IPP) ( have expressed concern about them. He said that the banks have not caught on to the fraud.
#Is it possible to create fake bank statement how to#
It goes on a lot, especially when someone does not know how to account for their cash." "No one came back to me about it from the banks. I gave the a website to buy them off, and told him to leave me out of it.
He continued: "The other time, we got them off the internet. It's just that hadn't done any work for them." A friend who runs a garage gave me a set in name, and I paid him £400. They came from two people: one set was genuine, it's just that the purchaser did not have a taxable job, shall we say, but he had a lot of cash that he could not account for. "On both occasions, it was easy to get fake payslips. One former broker, who spoke to the Observer anonymously, said that he had used fake payslips to obtain a mortgage on two occasions. In 2007, one online provider of bogus payslips admitted to the trade publication Mortgage Strategy that mortgage brokers were its biggest customers. It is not just individual borrowers who are accessing the websites some mortgage brokers are known to be using them to obtain fake paperwork for their clients to get a loan. Lenders admit they rarely spot the fake documentation because it looks so authentic, and most will not ring an employer to check. They are being used in some cases as false verification of salary in order to apply for a mortgage. The websites will then calculate taxable pay and national insurance, and post out the slips within days. Anyone can buy them in minutes by entering a few details such as a company name, notional salary, national insurance number and how many payslips they need.
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