With the random criteria of AFCs I have no idea if Im going to be asked to conform to the checks. I will never reveal the sort of information they demand. Its this uncertainty that has led to me to reduce my punting greatly. Will it kick in when I try to withdraw and have my account frozen? If I really fancy one I will go back to the shops. If others are thinking like me this is another negative angle that has not been covered.
On the contrary, it doesn't appear that affordability checks are "random". The main triggers appear to be multiple deposits in a short timeframe or extremely large deposits.