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AMA

I've been to prison AMA!

178 replies

NameChanger1987 · 10/07/2018 17:03

I was in a closed prison for 2 months then 4 months in an open prison. It was 5 years ago for a 'white collar' crime.

I know a lot of my friends irl always had lots of questions so wondered if you lot had the same?!

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NameChanger1987 · 10/07/2018 20:14

ThroughThickAndThin01 yes he did but we’re no longer together but nothing to do with then.

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NameChanger1987 · 10/07/2018 20:15

They were absolutely heartbroken frosty. My Mum cried and cried and cried.

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iheartfriday · 10/07/2018 20:16

I'm not sure what sell and rent back is - but does if just defraud mortgage companies, or did other people lose money? Was it regular checks that exposed it, or just bad luck (iykwim?)
Do you think prison offers rehabilitation to those who need it to avoid reoffending?
Were you sentenced by magistrates or at crown court?

ThroughThickAndThin01 · 10/07/2018 20:18

Have you done anything to break the law before without getting caught?

Parsley1234 · 10/07/2018 20:18

What does it mean the insurance didn’t match the mortgage ? Do you feal differently now than before and if so in what way ?

StripesandWings · 10/07/2018 20:18

Did it change your views of the system?

Do you think it should be reformed?

Frosty66612 · 10/07/2018 20:19

Did you have to share a cell? Was it difficult having no privacy with things like going to the toilet?

Candyflip · 10/07/2018 20:22

Are you unemployable now?

purplecorkheart · 10/07/2018 20:23

What was your daily routine in both closed and open prison? How did you pass the time? Was there support available to help when you got released?

NameChanger1987 · 10/07/2018 20:23

iheartfriday I bought people’s houses below market value and rented them back to them. Some people who defrauded it didn’t pay the mortgages but I did so nothing bad happened to the people but yes it defrauded the bank. I honestly don’t think they rehabilitate, there was a woman in there who was getting ready to be released so was let out but kept just sitting outside the gates and as soon as she could come back in she would. When she was finally released, she was gone a day then crying to come back in. Very sad. I was sentenced in crown court and it was nothing like on TV so not what I expected at all- sounds stupid I know!

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FogCutter · 10/07/2018 20:24

Have you managed to find a job since leaving prison?

Have you told employers you were in prison (eg via a criminal record check or to explain gap in cv?)

ThroughThickAndThin01 · 10/07/2018 20:26

I can’t quite work out why what you’ve done is fraud.

iheartfriday · 10/07/2018 20:31

NameChanger1987
Thanks for answering! Did you plead guilty? I don't understand why it's illegal to buy people's houses if they have agreed the price?

NameChanger1987 · 10/07/2018 20:37

ThroughThick no, never.

Parsley the police were starting to crackdown on sell and rent back schemes and were already suspicious of companies like mine. The insurance for the property had what I paid which was less than the mortgage- it is quite confusing. I do feel differently, I feel like I grew up a lot and realised what’s important.

stripes yes it does but I have no idea how to fix it. What we currently have, I just can’t see how it helps people who are in there a long time or without support at home.

frosty yes it was difficult but I’m lucky that in both closed and open my ‘pad’ mate’s we’re fine.

candy I was very fortunate that my friend employed me.

purple in closed it was get up, breakfast, washed, back to pad, lunch, back to pad, walk in yard, dinner, pad. I had no ‘privilages’ For the first few weeks, it took them ages to get me a category so when you’re without a category you’re assigned A. In open it was better, get up, washed, breakfast, queue for milk (you get a jug to take to your pad), work, lunch, work, dinner, ‘socialise’, pad, lights out. You get a key to your pad too- obviously guards can always open it but it stops others getting in when you’re out.

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NameChanger1987 · 10/07/2018 20:40

i know, it’s very confusing stuff, it’s basically a type of money laundering though- I just happened to pay the people’s mortgages. I’m not joking the judge said “this is difficult, the bank got their money, the tenants kept their homes. It’s difficult”.

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NameChanger1987 · 10/07/2018 20:41

I had several different charges all fraud and money laundering related. I plead guilty to a couple and not to the rest.

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Frosty66612 · 10/07/2018 20:43

Did you know you would get a prison sentence when you went to court or was it a shock?

NameChanger1987 · 10/07/2018 20:43

iheart I think what the real problem is is that it’s not nice business so the police hated it. You are preying on often elderly people who can’t afford to live so are buying their homes very cheaply so they get a lump sum but get to stay in their house. It’s just not a nice way to earn money. I think that’s he real problem.

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NameChanger1987 · 10/07/2018 20:47

I thought it would be suspended frosty right up until the end. He was talking about my young family and the tenants having their homes etc. And then sentenced me, I then had a tag for months after being released. It went off 4 or 5 times so police came round and I was home alone with kids in bed- faulty box!

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HollowTalk · 10/07/2018 20:55

So is this an example?

Mrs Smith has a house that's worth £100,000 and she has a mortgage of £20,000 on it.

She needs to raise some cash. You buy the house for £80,000. You give her £60,000 and continue to pay her mortgage.

Is that it?

BitOfFun · 10/07/2018 21:00

Were you allowed to read books? Did you get to go to classes? Is there support for you when you leave?

NameChanger1987 · 10/07/2018 21:01

Yes sort of Hollow but the mortgage would most likely be lower or non existent so you borrow more than what you’ve paid for the house pretending you have paid more but then because you’ve been dodgy you have to be more dodgy and keep the surplus away from the bank. A lot of dodgy sell and rent backs never paid the mortgages so the tenants got evicted but I never did that.

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HollowTalk · 10/07/2018 21:02

I always think I'd be fine in a cell if I could have as many books as I wanted and some writing paper!

NotSuchASmugMarriedNow1 · 10/07/2018 21:02

How old are you

NameChanger1987 · 10/07/2018 21:03

bit in closed a trolley came round. In open you could spend free time getting books in library.

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