I have today received the following e-mail:
“Like most people I have often wondered about setting up a bank account in the name of a favourite animal with a couple of digits taken from my date of birth while having money paid into it from my employer for reasons completely unrelated to my employment and only because we are good mates and then forgetting about it for a few years because I am, by my own admission, too stupid to remember things. However, I am worried about the possible implications of doing this. Can you help?”
No. I am not authorised to give financial advice and so cannot help. Perhaps you can try someone else.