Rachel's payslips show net pay of £4,000 a month. Her bank statements for the same months show salary credits of £2,900 from the employer named on the payslips. What should the lender do?
The evidence must be adequate (MCOB 11.6.8R), and a lender cannot demonstrate affordability (MCOB 11.6.2R) from evidence that contradicts itself. A gap between payslips and salary credits may have an innocent explanation, such as salary sacrifice, but it is also a classic sign of altered payslips. Picking one figure or averaging them ignores the warning sign; the lender should investigate first.
Resolving conflicting income evidence by picking or averaging a figure instead of investigating.
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