Hi, so I am 16 years old and believe have a Cifas marker. I will speak truthfully and hopefully I can get some advice. I was 14 at the time btw so I was very stupid and didn’t know about fraud and wasn’t really aware but okay here we go.
I was 14 and a friend of a friend asked me “if I bank transfer you, can you give me cash” I did ask why cant you do it yourself but he just said he didn’t have his card on him so I said okay and I went ago and did it. It was £250 and I took it out and gave it him and I went along with my ways.
Days later my online banking stopped working and I couldn’t log in and days later I got letters from the bank saying my account closed and after researching i believe I had been slapped with a Cifas marker, great.
I’ve fully learnt my lesson but I was only 14 at the time so It didn’t occur to me it was fraud but how is me being nice causing me to have a fraud marker. I now know I can’t randomly get bank transferred and give cash but at 14 how would I know this and I was just trying to be nice but oh well.
A year past and I now need a card, I know I can’t get most mainstream as I’ve applied and been turned down due to Cifas so I was wondering any that will accept me. I know prepaid works but at the moment I’m only 16 and can’t get most.
I have not told my parents and planning on not doing so as it will just be awkward and they’ll be disappointed so this is not a option. know I can’t get any prepaids like Pockit or Henry. Is there any that I can get as 16 without parents help, please let me know. Thanks