[peakyfblinder]

Haha ok here a simple SE trick. If your credit score is half decent, go and apply for any credit card - under income bullshit something high and under job you can bullshit too and watch you get approved with a limit accordingly. Banks dont cross check and infact can't cross check with your data in the revenue agencies. 

Same applies when applying for loans, fabricate whatever document is required - photoshop invoices/statements bla bla to meet eligibility criteria and you get it.

After all that dont fuck up - when you get audited, the latter can bite you in the ass.

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Because I'm absolutely clueless.

Lmao my bad - didnt fully read your starting post asking for opinions. Thought we have a newbie complaining that all he's seeing is refunds when it comes to SE