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Hi
Legally based on the deed poll declaration you are to give up your old name which means you should change your name on your bank account. However you can just keep the account if its for sole purpose of this as I don't think there are any legal ramifications...
However, if you do go down this route and use old name on too many things or use that bank account for too many things then one impact you may have is on your credit rating as bank accounts in both names will show (your credit report will show a name change/alias anyway) and thus you may get caught up in financial institutions fraud markers when applying for new credit as your credit report will look a little all over the place if that makes sense?
Otherwise not too many issues, but as Champagne says, not sure on the reasons for going down this route and there may be other options that are better..
@Daddyup it will be strictly for the purpose of just paying her, The bank account will not be used for anything else,
Reason I am debating weather to change my name or not is genuinely because I really don't want her to trace me or cause me grief, she is a nightmare to deal with and so unpredictable. she's already causing a massive rift in my family life! but she's clever and nothing police can do.
My motive is looking for a solution for a peaceful life which is drama free, I just want a fresh start etc. as crazy as it sounds.
So if you keep open two separate bank accounts this is classed as fraud? and it will affect my credit score?
Everyone else so far thanks for the help!
what about if I just change my first name, but have the first name same letter? for example (fake name) Daniel and change it to Dean?
When making bank payments for maintenance they will only see MR D Surname
Hi
Not sure I follow, when you say you will change your name do you mean you will do deed poll and then just change the 1st name on the bank account that you use for CMS or everywhere?
Honestly I don't believe the name change solution will achieve what you want.
Different banks have different processes, some banks show full name when payment is made. However, the CMS will have to have your new name and anyway if you change it with HMRC or your employer who will pass it to HMRC then DWP/CMS will get it anyway.. Going down the deed poll route is a legal declaration etc.
Have bank accounts in 2 diff names is not automatically considered fraud (think of people who continue to hold accounts in maiden names for example) but it may flag up when you attempt new credit and you may not pass auto credit checking and instead you may be asked to explain and I don't believe the reason you provide will be accepted etc.
As champagne said, if you are being harassed then keep a detailed diary and repot to the police and apply for a non molestation order. If you are paying CMS, are you seeing your kids?
to the best of my knowledge, you can legally be known as any name you wish, and you don't need a deed poll to do this, as long as there is no intention to deceive. The problem you would face is getting banks etc to accept your new name.
@actd
Hey mate, you need a deed poll to change your name with the banks etc. they wont accept it otherwise, then their is the pain with changing it on your driving licenses etc.
I think there are two different options, one is enroll the name change and register it with the government and the other one is not to enroll it.
When you do not enroll it there will be no record of your name change anywhere, only people who have the change are the HMRC, but you can even change it on the national insurance and there be no record of it. (sometimes the HMRC dont even keep a record of it)
When you apply for credit in the future all you need to tell them is previous names you have had within the last 6 years.
I done a bit of research, loads of criminals disappear this way, stupid system really. But its good for honest people who just want a fresh start drama free life.
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