Rooting out fraudulent documents is made harder when so many customers only provide internet bank statements.
Unfortunately, it seems the provision of such documents is not illegal although why someone would want a novelty P60 or payslip other than for fraudulent purposes is beyond me.
As an underwriter I am reliant on the mistakes made on these documents and it is amazing how often the National Insurance number or the gross figures on such documents are incorrect.
Thankfully the bulk of fraudsters try to provide genuine information and this usually contradicts the false documents.
But no matter what we try, we will not stop fraud until perpetrators of even minor fraud are prosecuted and see that there are penalties for their malfeasance.