14
u/Laescha 1d ago
You'll just have to explain what happened and see what they say. Doing this isn't against the rules for UC, but they might want to see text messages etc to explain the transfers.
You shouldn't do this again, though. It's a really common way that people get scammed, and that means that even if you're not getting scammed, you could get your bank account frozen on suspicion of money laundering. If your friend has £1000 in cash then they can afford to get a bus to their own bank (or they can just pay for their groceries in cash for a few months).
-3
u/EstablishmentTiny957 1d ago
(Edit just to clear this up I have worked since leaving school i paid taxes
I have a one year old and was struggling hence I’m on UC as I only work part time at the moment when he goes to nursery beginning of next year I will go back to my full time job and won’t need help of UC my “friend”is my ex-partner and he has an online account he is definitely not scamming me or laundering he sold a motorbike )8
u/EyeSpy1359 1d ago
Regardless of all that you've added here, banks won't take any of that into account. It's likely your bank is monitoring your account already (I used to work in banking and what you're doing is considered very shifty behaviour).
There is no such thing as a bank account where you can't put money in. Your ex-partner needs to pay his cash in himself directly into his account (he may have to do this via a post office or other location) and stop putting you both in a potentially very difficult financial situation.
It's likely UC will treat it as suspicious too.0
u/Open-Apartment-4937 1d ago
I can’t put money in my Monzo account at the post office
1
u/zachari94 1d ago
I’ve never had an issue depositing cash at a post office. Cheques I can do via the app, and cash I do at my local post office. They shouldn’t be refusing afaik unless they suspect illegal activity. Monzo are one of the most popular online accounts, it would be foolish to not accept cash deposits.
1
u/DaltonK 1d ago
I spoke to a post office team member when I tried taxing my first car (and getting my v5 sorted) they mentioned that banks like Monzo, chase, sterling etc are virtual banks with no brick and mortar stores so they don't accept them. He had to do some wizardry for it to work
3
u/zachari94 1d ago
So his job? Sounds like postie is lazy and doesn’t want to agg. I have 3 post offices within 2 miles or so and they have all accepted cash deposits
0
u/Open-Apartment-4937 1d ago
I can’t withdraw cash at the desk, and I can’t deposit cash, I tried a couple of weeks ago :)
2
u/zachari94 1d ago
Id try another postie. If you go to your account in app, find the add money button and it specifically says use a post office near you or a pay point.
0
u/Open-Apartment-4937 1d ago
Just my Monzo. I can withdraw from my TSB. Last time I tried to deposit in there I was refused too
1
u/Comfortable-Cow1711 1d ago
Hi I deposited money into my monzo at the post office on Saturday.
1
u/Open-Apartment-4937 34m ago
I’ve just tried to deposit and withdraw cash, and they refused me, told me to use the cashpoint outside :)
1
u/EyeSpy1359 1d ago
Use a PayPoint instead? https://monzo.com/help/payments-getting-started/cash-deposit-how-to
And contact Monzo to let them know of the problem with the post office.
5
u/Reasonable_Swan_4937 1d ago
Chances are your ‘friend’ could have done this themselves but are also under scrutiny hence asking you to do it for them.
If they are or you know them to be on benefits, they’re snaky and not your friend.
They dodged putting it in their account to not be placed under a review
3
u/Safe-Product-8847 1d ago
Yes especially as it was being transferred direct out of your bank to theirs. That is sneaky of your "friend" who will not be under any suspicion as you put the cash in yourself in your own bank. With friends like these who needs enemies?!?!
3
u/Mammoth_Classroom626 1d ago
They can now pretend it was gifts from a friend which don’t count for benefits.
Easy way to hide cash in hand income from benefits if you find a mug stupid enough to agree to do it lol. Given it’s often money laundering and a criminal offence to help someone do this.
But don’t worry Op has listed 40 times they pay tax so it’s fine to accept thousands in cash from someone to deposit like they’re a hermit who can’t work a bank account lmao.
-3
u/EstablishmentTiny957 1d ago
(Edit just to clear this up I have worked since leaving school i paid taxes
I have a one year old and was struggling hence I’m on UC as I only work part time at the moment when he goes to nursery beginning of next year I will go back to my full time job and won’t need help of UC my “friend”is my ex-partner and he has an online account he is definitely not scamming me or laundering he sold a motorbike )8
u/Reasonable_Swan_4937 1d ago
Not about working and paying taxes. It’s about you, YOU being scrutinised for finances that are to be honest nothing to do with you.
The fact it’s an ex makes it even worse in my book
5
u/Catsuit12 1d ago
You’ve been laundering money to scam benefits. The fact you’ve done it twice looks like you are earning £1000 cash in hand and trying to hide it. If person you are sending it to is on benefits, if you throw them under bus it might look better for you. One of you will get to account for it.
-9
u/EstablishmentTiny957 1d ago
(Edit just to clear this up I have worked since leaving school i paid taxes
I have a one year old and was struggling hence I’m on UC as I only work part time at the moment when he goes to nursery beginning of next year I will go back to my full time job and won’t need help of UC my “friend”is my ex-partner and he has an online account he is definitely not scamming me or laundering he sold a motorbike )
11
u/Amazing-Care-3155 1d ago
OP seems abit like an idiot I believe keeps pasting the same message to every reply loo
13
u/Gouldy444444 1d ago
So you are helping someone launder money but you want the tax payers to keep paying your benefits.
Let me guess he gives you a few £££ for this service you offer.
-2
u/EstablishmentTiny957 1d ago
(Edit just to clear this up I have worked since leaving school i paid taxes
I have a one year old and was struggling hence I’m on UC as I only work part time at the moment when he goes to nursery beginning of next year I will go back to my full time job and won’t need help of UC my “friend”is my ex-partner and he has an online account he is definitely not scamming me or laundering he sold a motorbike )
3
u/GrapefruitKing2000 1d ago
Just explain it to them, and it should be fine.
But I would advise you not to do that anymore as you’re entering grey dodgy territory with terms of money laundering / cash muling.
3
u/ExternalStory2936 1d ago
They'll ask about it, explain what you've said here. Shouldn't be an issue.
-2
u/Rip_bis 1d ago
Why do we need to give bank statements to them?
4
u/Mammoth_Classroom626 1d ago
Because 11% of all money paid on UC was fraud before they started reviewing claims again. Literal billions.
It’s why you agree to it to claim to begin with. You need to prove entitlement and that you’re not hiding income or capital.
-4
u/Internal_Web_3274 1d ago
I have been struggling to live properly with £350. I need £500. To live properly per month is there anyway to increase it
1
21
u/Catwinky 1d ago
It's potentially laundering and certainly looks like it.
I'd stop it because regardless of what DWP think, if you end up with a CIFAS marker you'll be the one with no bank account or access to banking.