This thing about WGs not paying tax

[Jimmyredcab]

So are Parlour Girls Self Employed or Not ? And if the girls are "On the Fiddle"  how do the Parlour Owners Explain this to the Inland Revenue   

Parlour girls are not actually "Employed" by the parlour so they are responsible for their own tax affairs.

A similar rule applies to mini-cab drivers, they work from an office but are not "Employed" by the company.   

[NIK]

Jimmy is right. This isn't appropriate on UKP. Link removed.

[jcdmj12]

Parlour girls are not actually "Employed" by the parlour so they are responsible for their own tax affairs.

"employing" a prostitute?    I can just imagine Sergei struggling with the in and outs of stakeholder pensions. And who would offer him employer's liability insurance?

[GeeWiz]

If an escort displays a face pic on their AW profile and has feedback, then you'd have to assume that they pay tax.  So I think more are registered than many here give credit for.

[jcdmj12]

Maybe one of our legal experts could clarify that point but I think it is illegal to live on the immoral earnings of someone else, that would mean a pro$$ie is breaking no laws.

+1 That my (non-legal expert) understanding.... living on immoral earnings refers to pimping etc.

[jcdmj12]

If an escort displays a face pic on their AW profile and has feedback, then you'd have to assume that they pay tax.  So I think more are registered than many here give credit for.

Yes.  Given that HMRC use a spider to monitor ebay, it's not beyond the realms of possiblity they have one for places like AW. Such a piece of software could be put together for a few grand using someone from the elance-type websites.  Or a few million if you're paying one of George's mates in Serco /Crapita to do it under goverment "tender" rules.   

[k]

THIS IS A PUNTERS FORUM -------------- SAAFE IS THE PLACE FOR THIS CRAP.       

The vast majority of pro$$ies pay no tax, that is a FACT.   

There really is no helping you with your entrenched attitude is there? 

[Jimmyredcab]

If an escort displays a face pic on their AW profile and has feedback, then you'd have to assume that they pay tax. 

Really ?????????????????????????????????????

How does HMRC find her when she calls herself Sallysucks1.     

Pro$$ies are not the only people that HMRC have to investigate, what about all the dodgy builders who work for cash only, they simply don't have the resources to follow up every suspected case of tax evasion. 

[GeeWiz]

Really ?????????????????????????????????????

How does HMRC find her when she calls herself Sallysucks1.     

Pro$$ies are not the only people that HMRC have to investigate, what about all the dodgy builders who work for cash only, they simply don't have the resources to follow up every suspected case of tax evasion.

Tip offs.  Evidence.  More likely to get into trouble this way if working as an escort and claiming benefits though I reckon.

[k]

Really ?????????????????????????????????????

How does HMRC find her when she calls herself Sallysucks1.     

Pro$$ies are not the only people that HMRC have to investigate, what about all the dodgy builders who work for cash only, they simply don't have the resources to follow up every suspected case of tax evasion.

Jimmy If you took the time to read the link which you asked to have taken down you will quite clearly see the answer to your question.

[Kimberly_C]

Really ?????????????????????????????????????

How does HMRC find her when she calls herself Sallysucks1.     

Pro$$ies are not the only people that HMRC have to investigate, what about all the dodgy builders who work for cash only, they simply don't have the resources to follow up every suspected case of tax evasion.

Having a photo or not wouldn't really make a difference if that is indeed something they are doing. They still have to get through to the actual person.

However, should a WG be grassed up, then her AW profile could be useful to them.

[Jimmyredcab]

Jimmy If you took the time to read the link which you asked to have taken down you will quite clearly see the answer to your question.

I did not ask for the link to be removed.   

That was NIK's decision ------------------- which I am sure was backed by Admin.

UKPunting is not an advice forum for pro$$ies.     

[Tony Montana]

If a girl works via a parlour or agency are they not subject to the IR35 ruling?  If so, they are deemed to be "employees" and cannot use the dividends tax avoidance scheme.

[Kimberly_C]

I did not ask for the link to be removed.   

That was NIK's decision ------------------- which I am sure was backed by Admin.

UKPunting is not an advice forum for pro$$ies.     

I posted the link because NIK had asked a question about legalities and it seemed to answer the question, as opposed to my giving just another non-tax-accountant's opinion. I didn't intend it to be practical advice for anyone.

Prossie input can be disruptive to discussion so I will bow out for the day. Apologies for any trouble I have caused.

[Jimmyredcab]

If a girl works via a parlour or agency are they not subject to the IR35 ruling?  If so, they are deemed to be "employees" and cannot use the dividends tax avoidance scheme.

I don't have a clue what you are talking about.   

[Tony Montana]

I don't have a clue what you are talking about.   

External Link/Members Only

[NIK]

I did not ask for the link to be removed.   

That was NIK's decision ------------------- which I am sure was backed by Admin.

UKPunting is not an advice forum for pro$$ies.      

Jimmy did not ask for the link to be removed, but he is perfectly correct above. And I don't have to second guess Adam's attitude on this!

[smiths]

If an escort displays a face pic on their AW profile and has feedback, then you'd have to assume that they pay tax.  So I think more are registered than many here give credit for.

I disagree you would have to assume they pay tax. Some for example will work for a pimp who wouldnt be worrying about such a thing, some other WGs are as thick as two short planks and wouldnt even consider such a thing i would imagine.

What i do think is the inland revenue would use any evidence they find on A/W etc to help with their case against a non tax payer to assess how long they hadnt been paying tax for, perhaps after getting a tip off.

GP Parties who got done a couple of years ago had their reviews on Pnet virtually immediately taken down from public view following their raid and arrest, i assume this was to try to hide info from the police, tax, benefits and POCA. It may well of helped as the owners POCA judgement was under £100,000 yet he had been operating for 7-8 years or so and in that time must of taken well over a million pounds. He probably blew most of his profits though, he was as thick as pig shit.

[smiths]

If a girl works via a parlour or agency are they not subject to the IR35 ruling?  If so, they are deemed to be "employees" and cannot use the dividends tax avoidance scheme.

I cant see how a WG who works at an illegal entity can be classed as an employee of it myself. Perhaps i am wrong though. I do know the inland revenue will take tax from such entities, whether they also inform the police of them who knows.

[Daffodil]

If an escort displays a face pic on their AW profile and has feedback, then you'd have to assume that they pay tax.  So I think more are registered than many here give credit for.

It's nonsense that you'd have to assume 

For starters prossies are not that smart and secondly HMRC need rather more than a picture.

[CatBBW]

What no one ever seems to say, including prossies themselves, in this endless debate which we have had for years is if they do pay tax  what on earth do they put on their tax return under occupation?

Prostitute?  - Definitely not. Although it's not illegal to be a prostitute, I believe it's still illegal to live on 'immoral' earnings.

Escort / Masseur / Therapist or some other such euphemistic bollocks? - Presumably

Courtesan?  - 

You can put prostitute, although I doubt anyone actually does. Some people have other businesses and freelance/self employment, so the earnings and (relevant) outgoings can be put through those books. Ultimately the taxman doesn't care, as long as he gets his slice.

[smiths]

You can put prostitute, although I doubt anyone actually does. Some people have other businesses and freelance/self employment, so the earnings and (relevant) outgoings can be put through those books. Ultimately the taxman doesn't care, as long as he gets his slice.

Some if not many WGs dont want anyone to know they are WGs, some dont tell anyone including their families so arent going to tell the taxman. Once its down on paper that leaves a trace as well, some WGs want to be able to be a WG for a while then slip away with little evidence they were WGs to build a new life where such a revelation could cause them serious problems, in jobs and relationships.

[jcdmj12]

If a girl works via a parlour or agency are they not subject to the IR35 ruling?  If so, they are deemed to be "employees" and cannot use the dividends tax avoidance scheme.

Only if they have a ltd company.    In that case, I can see parlour work failing the disguised employment test (fixed hours, designated premises etc etc).  In fact I'm surprised no enterprising HMRC inspector hasn't seen fit to go after parlour owner for national insurance contributions.  Or maybe they know it will all get seized under POCA anyway.     Agencies, might have a better case, but then who knows.  I'm not an accountant.

I can't really see incorporation working for all but a very few WGs anyway, the accounting restrictions on ltd companies are far tighter. You can't just go taking money out of the bank account as and when you need it, for example. I also wonder if the company could run into trouble with "living off immoral earnings", as it is a separate legal 'person' to its shareholder/director.  That's pure uninformed speculation though.

[jcdmj12]

Some if not many WGs dont want anyone to know they are WGs, some dont tell anyone including their families so arent going to tell the taxman. Once its down on paper that leaves a trace as well, some WGs want to be able to be a WG for a while then slip away with little evidence they were WGs to build a new life where such a revelation could cause them serious problems, in jobs and relationships.

+1.  Once you have a limited company, you are "on record" at companies house, with directors names, shareholder details, and balance sheets for each year etc.  There are ways to be anonymous, but it's fairly tricky, and way beyond the requirements or capabilities of your average WG (or any average single-person company) I reckon.

[CatBBW]

+1.  Once you have a limited company, you are "on record" at companies house, with directors names, shareholder details, and balance sheets for each year etc.  There are ways to be anonymous, but it's fairly tricky, and way beyond the requirements or capabilities of your average WG (or any average single-person company) I reckon.

I don't think smiths was talking about limited companies. Just your bog-standard freelance self employed prossie who sends her tax return every year to HMRC.

[Tricky Dickie]

The next time I see a WG who claims to declare it all and be totally legit I'm going to ask her for a VAT receipt to see what she says.

Maybe she'll decide to charge you 20% more! 

[Oldstager]

It surprises me that HMRC do not have an officer permanently employed on tracking down Tax evasion on AW. All it would take would be an email to a w,g, followed by a booking with her, keep the booking with a raid, a quick check on the Computer, and a Tax assessment based on the amount of her Feedback and her fees.  I`m sure that such an officer would bring in considerable sums in Tax in a very short time, but, more important, word would get around very quickly and a lot of non-paying w.g.s would suddenly be registering with HMRC.

[Dani]

Finding girls through AW for avoiding tax would cost more than they would get back.  However if they have a website with a paid for domain name they become much much easier to find especially if someone happens to give them a quick phone call and point them in the right direction
The tax man then decides to work your gross amount out on a 39 hour week.  Most of us do not work 39 hours having bookings.  We may do a few hours extra doing websites and emails but still not 39 hours.  He will then expect you to pay the tax he has decided on the amount he has decided and you don't even get to put in receipts to claim expenses if you get caught.  Let me tell you now the bill if bloody high, much higher than it should be but the tax man doesn't give a flying f**k about that.  It becomes your own fault for not declaring in the first place

Hell if all prossies paid tax hell would freeze over.  I probably only personally know a handful that actually pay any and loads that don't.  The thing is they all think they will never get caught but it just takes that one bitter prossie or resentful client and your life gets turned upside down for years as after being caught every single year you find your account gets extra scrutiny and you always get asked for extra proof of everything.. Your accountant also charges you more than others as he knows he is going to have to do more work than he normally has to as he has to ensure every single I is dotted and all the Ts are crossed and that is is gold plated and sealed with a bloody kiss too.

If a girl has a website and doesn't pay tax she is an idiot and is asking to have her life dug into and tossed around and pissed on and her every move scrutinised for a good few years

[jcdmj12]

I don't think smiths was talking about limited companies. Just your bog-standard freelance self employed prossie who sends her tax return every year to HMRC.

Ah ok, I got lost in the thread

[jcdmj12]

Finding girls through AW for avoiding tax would cost more than they would get back.  However if they have a website with a paid for domain name they become much much easier to find especially if someone happens to give them a quick phone call and point them in the right direction
The tax man then decides to work your gross amount out on a 39 hour week.  Most of us do not work 39 hours having bookings.  We may do a few hours extra doing websites and emails but still not 39 hours.  He will then expect you to pay the tax he has decided on the amount he has decided and you don't even get to put in receipts to claim expenses if you get caught.  Let me tell you now the bill if bloody high, much higher than it should be but the tax man doesn't give a flying f**k about that.  It becomes your own fault for not declaring in the first place

Hell if all prossies paid tax hell would freeze over.  I probably only personally know a handful that actually pay any and loads that don't.  The thing is they all think they will never get caught but it just takes that one bitter prossie or resentful client and your life gets turned upside down for years as after being caught every single year you find your account gets extra scrutiny and you always get asked for extra proof of everything.. Your accountant also charges you more than others as he knows he is going to have to do more work than he normally has to as he has to ensure every single I is dotted and all the Ts are crossed and that is is gold plated and sealed with a bloody kiss too.

If a girl has a website and doesn't pay tax she is an idiot and is asking to have her life dug into and tossed around and pissed on and her every move scrutinised for a good few years

Declaring nothing at all when you are making a full time income is beyond stupid, unless you are planning to leave the country (and quite possibly the EU) at the first sign of trouble and never return.  A friend of a friend I knew some years ago did this. He ended up unable to come home and see his family unless he paid HMRC something like £200k+ in back taxes and penalties.  I think he's still in the Sudan or wherever he ran off to.   

[jcdmj12]

It surprises me that HMRC do not have an officer permanently employed on tracking down Tax evasion on AW. All it would take would be an email to a w,g, followed by a booking with her, keep the booking with a raid, a quick check on the Computer, and a Tax assessment based on the amount of her Feedback and her fees.  I`m sure that such an officer would bring in considerable sums in Tax in a very short time, but, more important, word would get around very quickly and a lot of non-paying w.g.s would suddenly be registering with HMRC.

I think the problem wouldn't be assessing the tax, so much as collecting it.  I'd imagine that most of the wgs who don't register for tax / don't think it will ever happen to them are also the type who spend it as soon as it comes in.  Short of HMRC holding a distraint auction of used shoes and handbags, they'll probably struggle to find much cash hanging around. 

[Jimmyredcab]

I think the problem wouldn't be assessing the tax, so much as collecting it.

Good point. 

You can't get blood out of a stone, if a girl lives in rented accommodation and has no traceable savings then HMRC will struggle to recoup any unpaid tax.

[Jimmyredcab]

Only if they have a ltd company.    In that case, I can see parlour work failing the disguised employment test (fixed hours, designated premises etc etc).  In fact I'm surprised no enterprising HMRC inspector hasn't seen fit to go after parlour owner for national insurance contributions.

Brothel owners don't "employ" the girls, if no customers turn up the girl would go home with nothing.

Let me give you another example, some hairdressers will "rent out" a chair to a freelancer, the owner of the salon is not responsible for the tax and NI contributions of that person because he/she would be self employed.   

[gari54]

Uh guys am I the only one thinking the obvious about where their money goes and why the get away with tax avoidance?
External Link/Members Only

[jcdmj12]

Brothel owners don't "employ" the girls, if no customers turn up the girl would go home with nothing.

Let me give you another example, some hairdressers will "rent out" a chair to a freelancer, the owner of the salon is not responsible for the tax and NI contributions of that person because he/she would be self employed.   

We're getting very hypothetical now, but there is a difference. As far as I know, most rent a chair places charge a flat weekly rent, and the stylist handles their own billing / prices. That's pretty clearly self employment.  I'd imagine that if the stylist does't turn up for a week, the salon owner won't give a toss as long as rent is paid.  Also, I'd imagine that if the stylist sent their friend along instead, the salon would be ok with that as long as they didn't cause a problem. Rent a chair stylists are very clearly self employed.

Girls in parlours, on the other hand, have to turn up set hours otherwise they'll get fired. They have to work from set premises.   Are they allowed to send a friend along to do the shift instead? Depends on owner I suppose.  You do have a point regarding the 'no work, no pay' issue, but then aren't some zero hours /comission only employment contracts structured that way?

If the girls had to turn up and pay rental for the room (the way strippers pay a house fee), rather than paying a proportion of their earnings, it would be pretty clear self employment, I reckon.

[smiths]

We're getting very hypothetical now, but there is a difference. As far as I know, most rent a chair places charge a flat weekly rent, and the stylist handles their own billing / prices. That's pretty clearly self employment.  I'd imagine that if the stylist does't turn up for a week, the salon owner won't give a toss as long as rent is paid.  Also, I'd imagine that if the stylist sent their friend along instead, the salon would be ok with that as long as they didn't cause a problem. Rent a chair stylists are very clearly self employed.

Girls in parlours, on the other hand, have to turn up set hours otherwise they'll get fired. They have to work from set premises.   Are they allowed to send a friend along to do the shift instead? Depends on owner I suppose.  You do have a point regarding the 'no work, no pay' issue, but then aren't some zero hours /comission only employment contracts structured that way?

If the girls had to turn up and pay rental for the room (the way strippers pay a house fee), rather than paying a proportion of their earnings, it would be pretty clear self employment, I reckon.

Some brothels do charge the WGs a house fee though they might call it something else, then a set cut of their fees typically between a third up to a half assuming the WG is working of her own free will. What i find interesting is an Agency where the WG has to provide her own premises typically get the same kind of percentage of a WGs fees.

[unclepokey]

The advice I have given to WGs over several years is, whether you pay tax or not, make sure you keep a diary of your appointments and correlate your bankings and lifestyle expenditure with that so that if and when you are investigated you have something to help avoid an egregiously excessive estimate on the part of HMRC.
The other advice I've given is to stay below the VAT registration figure.
Oh and I've also said it's better to pay than not since whereas being a prostitute isn't a crime, evading tax is.
Uncle Pokey

[Jimmyredcab]

The advice I have given to WGs over several years is, whether you pay tax or not, make sure you keep a diary of your appointments and correlate your bankings and lifestyle expenditure with that so that if and when you are investigated you have something to help avoid an egregiously excessive estimate on the part of HMRC.
The other advice I've given is to stay below the VAT registration figure.
Oh and I've also said it's better to pay than not since whereas being a prostitute isn't a crime, evading tax is.
Uncle Pokey

Wonderful advice, however I doubt more than 5% of pro$$ies would do as you say.   

I find some of the advice mildly amusing especially keeping below that VAT threshold, who in their right mind would declare an income of over £80K a year when they are being paid in untraceable cash.

Yes, evading tax is a crime but so is driving while using a mobile phone but millions of people do it.   

[jcdmj12]

Some brothels do charge the WGs a house fee though they might call it something else, then a set cut of their fees typically between a third up to a half assuming the WG is working of her own free will. What i find interesting is an Agency where the WG has to provide her own premises typically get the same kind of percentage of a WGs fees.

Interesting, I did not know that.   

[adindas]

I think it is only a very stupid WG will declare their incomes and want to pay taxes only for the reason that they will not be able to spend it in large amount in the future. There are a lot ways to  escape this. For instance,
- Stating it is a gift from parent, families. Just produce a false declaration from family, sorted. - - Many home grown prossies or foreign prossies who have settled in the UK have got part time job and therefore pay tax for the second income. This tax alone will be enough to explain the source of income.
- Even people on benefit could easily claim, I live with £2 a day and it is extremely difficult to find evidence to counteract this claim.
- For foreign prossies, it is even much easier if they buy the property back home. Just claim I was working abroad and have accumulated cash for deposit. What is needed is just self declaration. Sorted ...

We have seen People will evade or cheat the legal system even for a small amount of money or gain if they have could.
For instance:
- TV License. How many people out there do not pay TV license.
- Do not pay the correct fair for public transport. I have seen so many times in London people do not touch in and out at the gate.
- How many benefit cheater out there ?? People cheating on benefit, council tax
- Student cheating himself in the college exams
- For those large amount of money, they must be an extremely exceptional people if they do not evade the tax.
- Very rich pay evade tax. Look at for instance Gary Barlow, etc with sophisticated way invented by their accountants.

This one does not need a rocket science, why pay the tax if they could avoid it ...

So I myself do not believe that if the prossie even ever pay the tax. A few informed / stupid one but I believe majority do not.

If it was in Germany it is a different matter as they have very narrow lee way ....

[Jimmyredcab]

I think it is only a very stupid WG will declare their incomes and want to pay taxes only for the reason that they will not be able to spend it in large amount in the future. There are a lot way to  escape this. For instance,
- Stating it is a gift from parent, families. Just produce a false declaration from family, sorted. - - Many home grown prossies or foreign prossies who have settled in the UK have got part time job and therefore pay tax for the second income. This tax alone will be enough this reason.
- Even people on benefit could easily claim, I live with £2 a day and it is extremely difficult to find evidence to counteract this claim.
- For foreign prossies is even much eisier if they buy property back home. Just claim I was working abroad and has accumulated cash for deposit. What is needed is just self declaration


We have seen People will evade the legal system even for a small amount if they have could.
For instance:
- TV License. How many people out there do not pay TV license.
- Do not pay the correct fair for public transport. I have seen so many times in London people do not touch in and out at the gate.
- For those large amount of money, they must be an extremely exceptional people if they do not evade the tax.
- Very rich pay evade tax. Look at for instance Gary Barlow, etc with sophisticated way invented by their accountants.

This one does not need a rocket science, why pay the tax if they could avoid it ...

I agree with much of what you say but one problem a successful pro$$ie will have is what to actually do with all that undeclared cash.

You can hire a deposit box but while the cash lies there it is losing value due to inflation.   

Years ago you could open accounts in false names but that is much harder to do now because they require ID.   

[potato]

HRMC are far from stupid. They have "business profiles" from statistical analysis of similar businesses throughout the UK derived from vat returns. They know how much vat a business should be paying as they walk in the door.  It's easy to get caught out by the detail. For instance, one chinese takeaway (a cash business of course) declared they sold 1000 meals per week but were stupidly reclaiming vat on receipts for the foil containers which showed they were buying 4000 a week.. They were buying the extra ingredients cash (no vat anyway) but forgot about the containers...So when asked where they were storing 100,000 containers they should have in stock after the year they couldn't produce them...

A girl declaring she only worked 10 hours a week but claimed for 60 condoms a week would have a similar issue ......

[ampersand]

A girl declaring she only worked 10 hours a week but claimed for 60 condoms a week would have a similar issue ......

What?  Doesn't everyone cum 6 times in an hour session?

[Jeff_withpetersen]

I think it is only a very stupid WG will declare their incomes and want to pay taxes only for the reason that they will not be able to spend it in large amount in the future. There are a lot ways to  escape this. For instance,

- Stating it is a gift from parent, families. Just produce a false declaration from family, sorted. - - Many home grown prossies or foreign prossies who have settled in the UK have got part time job and therefore pay tax for the second income. This tax alone will be enough to explain the source of income.

 When my missus and I bought our house, we were both gifted cash by our parents. The bank insisted on looking at the parent's records to see where this cash had come from, so just saying 'false declaration from family' wouldn't wash. Also describing a WG as 'stupid' for paying tax as you do in the other part of your post is absurd - I'd be tempted but eventually we end up in the classic scenario of if everyone did it, we'd have no state or public services.

[Boundless]

Maybe she'll decide to charge you 20% more! 

Well, if she says that she does pay VAT, it could be worth asking how much for cash?

I haven't met a builder, plumber, plasterer, electrician etc yet that can resist the greenbacks. 

[Terryray]

Why are we bothered about these few working girls earning a few bob when half of them cant get there dole through sanctions the government put on them for turning up late ( most WGs are notorious bad time keepers, )there pimps take a large chunk to buy drugs for there own habits, lets go after the real benefiters the drug dealers , the goveriment don't have a clue about  tax collection.
I live on an estate in Liverpool on the surface it looks  quite affluent with nice cars and well done up houses, why cant they  tap in to the Police PNCRS and see what many of these people are actually up to  Terryray69

[Jimmyredcab]

A girl declaring she only worked 10 hours a week but claimed for 60 condoms a week would have a similar issue ......

What a stupid thing to say.     

That is like a cab driver declaring £400 a week earnings but claiming £200 a week in diesel ---------------- tax evaders are not completely brain dead.     

[adindas]

HRMC are far from stupid. They have "business profiles" from statistical analysis of similar businesses throughout the UK derived from vat returns. They know how much vat a business should be paying as they walk in the door.   …

I agree that people on HRMC and civil servants in general are far from stupid not many people will deny that. Hundreds of them get paid higher than the prime minister is one of evidence. That is the reason they do not particularly target WGs as finding evidence of WGs who are avoiding tax would cost the tax payers more than they would get back.
We have seen a lot benefit cheaters out there which cost taxpayers much more in comparison to those tax avoidance from the WGs.  Yet how many of them getting caught ???
Moreover the benefit of incentives of not paying tax or playing around the benefit system far outweighs the risk of if getting caught.

…. one problem a successful pro$$ie will have is what to actually do with all that undeclared cash.
You can hire a deposit box but while the cash lies there it is losing value due to inflation.   
Years ago you could open accounts in false names but that is much harder to do now because they require ID.

Well many of them still get another income where tax is paid e.g. Second Job, benefits, etc do not they ? This one should be enough to explain where the money is coming from when opening a bank account. People on benefit have a bank account. If you already have a bank account it is quite easy to get another bank account which pay high interest. There are few current accounts outthere paying 3+% interest.

Many people on benefit could still buy a house using their “right to buy”. So this should be enough as plausible  to explain where the deposit which is just a few grands coming from. I have seen the bank do not really interested to spend t much time in screwing where the money is coming from it is just a few grands.

Unless there are successful pimps, Madames, Courtesans, how much WGs will be saving monthly. I doubt if many of them save more than a grand a month.  The fact that money WGs left penniless when pass away tells the whole story that they are not good in money management.

Anyway, we punters in the UK get benefit if WGs do not pay tax. Otherwise they simply pass it to us ..

[Jimmyredcab]

Well many of them still get another income where tax is paid e.g. Second Job, benefits, etc do not they ? This one should be enough to explain where the money is coming from when opening a bank account. People on benefit have a bank account.

All very wonderful but you have not answered my question.     

A prostitute is earning £1000 a week, in the first year she could have saved £40K --------------- what does she do with it, she can't bank it because HMRC could trace it.   

[AnthG]

A prostitute is earning £1000 a week, in the first year she could have saved £40K --------------- what does she do with it, she can't bank it because HMRC could trace it.   

If I were a prostitute I would go and rent a safe deposit box and store it in there. And use it as a makeshift bank until I decide I am going to retire and then work in an industry I can seem accumulate it back - e.g hairdresser. Then deposit into a real bank claiming if anyone asks its all from cutting a lot of hair.

Hope that is ok to say, as in hindsight it is effectively suggesting means of tax evasion.