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Thread: Proof of income & 'Streamates' showing on bank statement?

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    Featured Member Incantatious's Avatar
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    Default Proof of income & 'Streamates' showing on bank statement?

    I'm moving out soon and so I'll need to show a bank statement to prove my income, but Streamate literally shows up on my bank statement like "Streamates"... and then my pay! Will this ruffle any feathers? Will I need to be 100% up-front in telling them what I do, as in, "I'm a cam girl"? I'm not sure how to go about this?
    Wha should ah doooo?!

    I'm in the UK, so I'm not sure what experiences other girls over here have had?




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    God/dess anonymous camgirl's Avatar
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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    Why can't you just tell them you are a model??? no reason to say what kind or anything.. that's what I have always done

    Quote Originally Posted by Incantatious View Post
    I'm moving out soon and so I'll need to show a bank statement to prove my income, but Streamate literally shows up on my bank statement like "Streamates"... and then my pay! Will this ruffle any feathers? Will I need to be 100% up-front in telling them what I do, as in, "I'm a cam girl"? I'm not sure how to go about this?
    Wha should ah doooo?!

    I'm in the UK, so I'm not sure what experiences other girls over here have had?

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    Featured Member Incantatious's Avatar
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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    Quote Originally Posted by anonymous camgirl View Post
    Why can't you just tell them you are a model??? no reason to say what kind or anything.. that's what I have always done
    Yeah I could do, but they won't look into what "Streamates" is or anything? :/ Or if they do, is there any chance they might not even let me move in?




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    Senior Member HandSanitizer's Avatar
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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    I tell them I'm an independent contractor, that's it. Don't be sorry our look embarrassed when you say it. They need income verification, not to know personal information about you.

    If anything play it to your advantage, you're a sexy, independent woman!

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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    You could say that you do affiliate marketing for them?

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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    When I moved into a new place, I was required to show three months' bank statements and last year's taxes (just the first page). SM didn't show up on my bank statements, but if it did, I would've whited it out. Or sometimes you can request bank statements to be printed directly from a teller's computer. Sometimes their statements look different than the ones you get in the mail and show more or less information. You could ask if there's a way for them to print statements without that info.

    Or... you could white it out and tell the apartment people it's irrelevant information (if they ask) since you're self-employed. If you were a lawn service, they would not ask to know the names of all your clients. It's the same thing.

    The problem is that there's a sigma attached to what we do. My husband used to order lots of videos online then resell them. The lady in the apartment office very rudely reminded us that we're not allowed to run a business or do business out of our apartment. And she had no idea what was in those boxes. Imagine what she would've done if she knew I was camming from there. And even if there's no legal reason to evict me for what I do for a living, that information stays in the back of her mind. So if a neighbor has a minor noise complaint about anyone on the floor, that could turn into "so and so is hearing lewd noises coming from your apartment." I just prefer to keep to myself regarding my job.

    I don't think we have anything to be ashamed of, and they shouldn't reject your application based on what you do, but it could happen. I personally would do what I could to keep that info a secret.

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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    I doub that, I rented an apt from a huge corporation and told them i was a model and they wanted money.. that's all they care about really.. can you pay? just don't divulge more info .. be vague

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    Featured Member Incantatious's Avatar
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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    Eek, you weren't allowed to do business out of your apartment? I have no idea how normal that is or if it varies from place to place?




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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    Quote Originally Posted by Incantatious View Post
    Eek, you weren't allowed to do business out of your apartment? I have no idea how normal that is or if it varies from place to place?
    I'm definitely not allowed to do business out of my apartment. Doesn't stop me



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    Featured Member Incantatious's Avatar
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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    Ohwohh! That strikes me as so weird. I figured as long as they were getting their rent why would they care that you were making money happen under your roof doing something legal? (It's not like we're selling drugs!) I wonder why this is! I really don't like the idea of doing anything... illegal? If that's what it is?




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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    It's not illegal to break the terms of your lease. It just means if they find out they're entitled to kick you out on your ass. At the end of the day it's a risk and if you're really worried about it then you should probably check it out with the landlord before you sign anything (without saying you're a camgirl, obviously)



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    Featured Member Incantatious's Avatar
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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    I see, so I just say I will be running my own business from home then and see what they say from there? Do you know if many landlords are against this? It strikes me as so odd they could have a problem with something like this if we are paying rent! I'd just want to make sure it was all above board without worrying anything could happen to my place! I'm a BIG worrier.




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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    Usually the "no businesses out of the unit" thing is actually because of insurance.

    The landlords say no because their insurance companies say no. A lot of them look the other way though if it's something discreet (read as: not having 20 packages show up a week, etc).
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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    I think I remember reading, one girl in CC was kicked out of her apartment because she stripped. :/

    There is nothing in an rental agreement "we will not discriminate because of occupation." So if someone finds out, and wants you out - they could legally do so (as far as I know - someone correct me if I'm wrong)

    So this happens. It's low, low, low risk. But it happens.

    I'd be wary of neighbors and my own noise, especially if the people immediately around you have younger children.

    If any apartment has on-site management I'd immediately go look somewhere else. That is too close and too nosey for me.

    When I was looking at apartments I went and saw a complex - the manager lived on site, she was extremely nosey in wanting to know what I did. 'Internet Sales' was not good enough for her. She wanted to know exactly how I got paid, what sites I worked on, etc. I also made the mistake of telling her that I was 'self-employed' - do NOT do that. We are independent contractors.

    I spent the next 10 minutes playing 'dodge the questions' because she wanted to know where my business license was and that I couldn't even apply for the unit unless I had one. So, I never even considered that place. Yikes.

    I remember reading in another thread, someone said there is a line/law? you can use to shut them up for prying. It's none of their business what you do for a living.







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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    whenever you are renting sometimes they don't like that you are doing business in THEIR home.. in a residential area.. not always is it about THIS JOB!! .. so you gotta keep it on the down low.

    Quote Originally Posted by Incantatious View Post
    Ohwohh! That strikes me as so weird. I figured as long as they were getting their rent why would they care that you were making money happen under your roof doing something legal? (It's not like we're selling drugs!) I wonder why this is! I really don't like the idea of doing anything... illegal? If that's what it is?

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    Veteran Member Peachesxo's Avatar
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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    For the future... Can you use Payoneer direct deposit over in the UK by chance?
    That's one of my favourite things about it... No nosey bank people to deal with and all my deposits just say "Cash Management" or something like that instead of Streamates.



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    Veteran Member SweetPinkCupcake's Avatar
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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    ^ Yeah, my bank statements say "Payoneer ACH Deposit"

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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    Incantatious, I wouldn't really worry too much about it. Just don't say anything at all. Make sure you pay your rent on time EVERY SINGLE TIME (hell... get in the habit of paying it a couple days EARLY), and keep your nose otherwise clean. All the landlord really cares about is... if they are going to get their $. That's it. Don't give them any other problems, and you are golden.

    As for 'running a business out of the apartment', for all they know (or deserve to know), you are skyping 20 different long-distance boyfriends every day. There is no law against being a FREE internet hoochie. It's not like your landlord will have access to your online payment stats.

    Good luck, and keep your mouth shut. :-)

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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    In general legal terms, apartment complexes are 'residential' areas ... thus landlords have a legal right to prohibit tenants from conducting business out of their apartments as a term of their lease contract. Apartment complexes are also 'family' areas ... thus landlords have a legal right ( and arguable duty ) to insure that no activities ( business or otherwise ) are taking place out of their apartments that are unsuitable for children as a term of their lease contract. Adult camming arguably violates both of these principles / lease provisions.

    However, as others have already posted, violating the terms of a lease is not the same thing as violating the law. Yes it could get you evicted. Yes it could cost you your security deposit. But it will not result in criminal prosecution.

    Since there are extremely few landlords who will willingly agree to having a tenant conducting an 'adult business' out of their apartments, you're basically forced to lie to the landlord in regard to the actual nature of your 'business' / actual source of your 'income'. As has been discussed earlier, the most effective way to do this is to limit the financial info you must provide to the landlord for proof of income purposes to past years' tax returns plus statements from a personal bank account which shows regular deposits ( actually transfers ) from a separate business bank account ( with the business banking account actually receiving checks / transfers from webcam hosts ). This two account setup effectively 'sterilizes' money being received from streamates or other well known webcam hosts / adult businesses, because every deposit appearing on the personal bank account statement you will show to the landlord will only show your business bank account as the source of funds !!! Picking a title for the business bank account that sounds 'businesslike' further adds to the impression that you are receiving regular payments from a regular business. It also adds 'credibility' if your business bank account and your personal bank account are in two different banks ... as well as limiting potential inconvenient questions from bank tellers !

    Spelling this out in more detail. All checks / transfers from webcam hosts wind up being credited to a business account in Bank A. Bank A's automatic bill paying is then set up to transfer X amount of money every week to a personal account in Bank B - from which you draw funds to pay your personal bills. You don't show the landlord anything at all in regard to the business account in Bank A. What you do show the landlord are statements from your personal account in Bank B ... which 'appears' to show that you are only receiving regular weekly payments from the same business.

    I would also point out that this separate business account and personal account setup can also be of value if your are ever audited for income taxes.
    Last edited by Melonie; 07-10-2012 at 03:02 AM.

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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    Quote Originally Posted by Peachesxo View Post
    For the future... Can you use Payoneer direct deposit over in the UK by chance?
    That's one of my favourite things about it... No nosey bank people to deal with and all my deposits just say "Cash Management" or something like that instead of Streamates.
    Yes we can...I use Payoneer for my AW transfers and withdraw my money in cash.
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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    ^^^ unfortunately, withdrawing camming money from ATMs in cash does nothing to 'prove' you have an official source of income ... which is what landlords, bank lenders, auto dealers etc. are now required to verify. By withdrawing camming money from ATM's in cash, in the eyes of landlords, bank lenders, auto dealers etc., in the absence of showing past years' tax returns showing X amount of reported business income, you are an 'unemployed' person with zero verifiable income ... who they are NOT going to approve for a lease / loan !

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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    Quote Originally Posted by Melonie View Post
    ^^^ unfortunately, withdrawing camming money from ATMs in cash does nothing to 'prove' you have an official source of income ... which is what landlords, bank lenders, auto dealers etc. are now required to verify. By withdrawing camming money from ATM's in cash, in the eyes of landlords, bank lenders, auto dealers etc., in the absence of showing past years' tax returns showing X amount of reported business income, you are an 'unemployed' person with zero verifiable income ... who they are NOT going to approve for a lease / loan !
    Yes...for me that isn't a problem, and I file my tax returns.
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    Default Re: Proof of income & 'Streamates' showing on bank statement?

    I think I should clarify what I said about working from home. The last apartment I lived in, the lady in the office had a problem with it b/c she had to accept hubby's packages. So he told her it was his own personal orders and to mind her business, basically. We also made friends with the mailman (big Christmas bonuses), and he knew we worked at home, so he just rang our bell and we came down and grabbed our packages, so the lady in the office never had to deal with them again, and the issue was never again brought up.

    In my new apartment, I told the manager that I am self-employed and I work from home over the internet. I had to explain that they need to call instead of knock if they have something to take up with me. So I just explained that I have to do web conferencing & it can't be interrupted. I've NEVER had a problem at this place, and they really don't care that I work from home. Yes, I'm conducting business from here, but it's all very innocuous as far as they know, they don't have to deal with it, and I more than met the income requirements. They are more worried about all the tenants they have to evict for nonpayment.

    Also, I have renter's insurance. It's a requirement where I live. It also covers all equipment I use for camming. So I've satisfied that requirement, and I actually bought a bigger policy than they require.

    I'm so sorry if I scared you. That was not my intention. I think that it's best to feel out the situation and respond accordingly. The people at my last complex were very unfriendly, gossipy and psycho, so they didn't know I worked from home. When I moved in here, they were very friendly and looking forward to having quiet tenants who pay their bills on time. I wouldn't ever tell management what I do, and I clean up my camming stuff when the maintenance guy or neighbor comes over, but I haven't had any issues here as a result of them knowing I work from home. In fact, I think they were impressed that I'm self-employed and have given me a lot of respect and space.

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