Benefit cheats to be caught out by CRA's
Discussion
Bring it on, I would love for the obvious ones to get caught out - the government could easily save a massive amount of money by just doing a good job. Its pretty obvious where the money is going and who is laughing at the system. We joke about massive 50" TV's and Sky multi-room, but its bloody true..... A quick trawl up and down the housing association streets and a check of who has these and its a good start on the list of who to check up on. A simple check would be all that is needed.
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I don't see how it actually works, I mean how would Experian be able to see my spending habbits when I take my money out of the bank in cash and spend in cash and have no credit card? as one example.
I am for it though, just don't understand what Experian can do with the limited info they hold on people.
I am for it though, just don't understand what Experian can do with the limited info they hold on people.
Jackleman said:
I don't see how it actually works, I mean how would Experian be able to see my spending habbits when I take my money out of the bank in cash and spend in cash and have no credit card? as one example.
I am for it though, just don't understand what Experian can do with the limited info they hold on people.
Isn't it because a lot of benefit cheats are also hocked up to the eyeballs on credit. I presume that's the thinking behind it.I am for it though, just don't understand what Experian can do with the limited info they hold on people.
Edited by bonsai on Tuesday 10th August 14:55
Isn't just the cheats who are raking it in, according to a report the other day some households are legitimately drawing benefit incomes which are more than the average working wage. The average worker of course has to pay his way after the taxman has had his take. Here it's tax free and little things like rent and council tax are paid for too.
bonsai said:
Jackleman said:
I don't see how it actually works, I mean how would Experian be able to see my spending habbits when I take my money out of the bank in cash and spend in cash and have no credit card? as one example.
I am for it though, just don't understand what Experian can do with the limited info they hold on people.
Isn't it because a lot of benefit cheats are also hocked up to the eyeballs on credit I presume that's the thinking behind it.I am for it though, just don't understand what Experian can do with the limited info they hold on people.
Jackleman said:
I don't see how it actually works, I mean how would Experian be able to see my spending habbits when I take my money out of the bank in cash and spend in cash and have no credit card? as one example.
I am for it though, just don't understand what Experian can do with the limited info they hold on people.
for example , you have a £60 a a month sky habit. you still need to pay that bill. whether you pay it by card or cash , it will still come up on their system. ok it will not work for everything but anything is better than nothingI am for it though, just don't understand what Experian can do with the limited info they hold on people.
Jackleman said:
I don't see how it actually works, I mean how would Experian be able to see my spending habbits when I take my money out of the bank in cash and spend in cash and have no credit card? as one example.
I am for it though, just don't understand what Experian can do with the limited info they hold on people.
Where do you start? Too many options!I am for it though, just don't understand what Experian can do with the limited info they hold on people.
How about looking geographically and picking on postcodes with historically low earnings. Then look at the average spend (or a mathematical model of the average) and pick the ones that are WELL above this. Then look at their spending patterns (consumer goods etc) and then check the earnings. Some people earn loads and live in crap areas, and thats fine. But its also likely that those who have housing association homes but have an annual income into the £30k+ is a little odd.
Then again, you could have the benefits receipients list and then map this over with spending patterns too. Check how much is out going from those people who are on disability allowance but are spending money on things like international holidays etc. Check what their earnings are and if they have a partner, subtract this and give a total for what they are earning and what they are receiving in benefits - a quick check and you can see who is in employment etc.
Loads and loads of options here - its just a case of whats the easiest and simplest to do.
jas xjr said:
Jackleman said:
I don't see how it actually works, I mean how would Experian be able to see my spending habbits when I take my money out of the bank in cash and spend in cash and have no credit card? as one example.
I am for it though, just don't understand what Experian can do with the limited info they hold on people.
for example , you have a £60 a a month sky habit. you still need to pay that bill. whether you pay it by card or cash , it will still come up on their system. ok it will not work for everything but anything is better than nothingI am for it though, just don't understand what Experian can do with the limited info they hold on people.
Sticks. said:
Fine in itself but a bit of a political vote-winning policy though. Total loss in fraud and mistakes is estimated at £5.2bn, of which £1.5bn is estimated to be fraud and presumably £3.7bn is mistakes. What's being done about the £3.7bn?
Because its hardly a headline grabber is it? Plus it sounds better as 'Government cracks down on benefit scroungers' rather than 'Government wastes £3.7bn due to incompetence'
off_again said:
Jackleman said:
I don't see how it actually works, I mean how would Experian be able to see my spending habbits when I take my money out of the bank in cash and spend in cash and have no credit card? as one example.
I am for it though, just don't understand what Experian can do with the limited info they hold on people.
Where do you start? Too many options!I am for it though, just don't understand what Experian can do with the limited info they hold on people.
How about looking geographically and picking on postcodes with historically low earnings. Then look at the average spend (or a mathematical model of the average) and pick the ones that are WELL above this. Then look at their spending patterns (consumer goods etc) and then check the earnings. Some people earn loads and live in crap areas, and thats fine. But its also likely that those who have housing association homes but have an annual income into the £30k+ is a little odd.
Then again, you could have the benefits receipients list and then map this over with spending patterns too. Check how much is out going from those people who are on disability allowance but are spending money on things like international holidays etc. Check what their earnings are and if they have a partner, subtract this and give a total for what they are earning and what they are receiving in benefits - a quick check and you can see who is in employment etc.
Loads and loads of options here - its just a case of whats the easiest and simplest to do.
Condition of benefits is you give poermission to access the credit rating, would side step that. Except the information isn't yours, it belongs to Experian and the people that generated it, ie the lenders, so that's a non-issue.
I'm intrigued as to how this would work in practice though. The would find out if you were applying for credit and what the balance on your credit card was each month, but they wouldn't know what went in and out of your bank account.
I'm intrigued as to how this would work in practice though. The would find out if you were applying for credit and what the balance on your credit card was each month, but they wouldn't know what went in and out of your bank account.
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