I don't know if this would work for UK banks but Ive had US Banks ask me the same question.
I use the following Answer: I tell them that the person's name in the deposit(s) is my employer OR fellow business partner and that person pays me through Paypal, also that that person pays me this way because it's faster.
It's worked every time I've been asked, Also note that they might ask for that person's info...Full Name, Address, Phone, etc...so have that info ready if you do try it.
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