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URGENT HELP!! Cifas marker :( watch

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    • Thread Starter
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    So I lost a large sum of money when I turned 16 on my birthday and I was so sad and angry that my first decision was to get my good friend who does fraud to help me. (STUPID I KNOW).
    The bank found out and closed my account and I don't think I had any money left and I didn't have my card so I didn't end up going to close it myself when they sent me a letter to come and collect. I was too scared and ashamed to go.

    I regretted it so much and tried to forget it and so a few months later I wanted to start over I went to open a new account with 2 other banks and they both rejected me and one told me to contact CIFAS. I couldn't bring myself to do it so I'm still trying to forget it.
    I was so stressed I lost a chunk of weight and didn’t sleep or eat well last month. My dad wants to be giving me money for my piano lessons but I’m insisting on cash. I can not tell him. I can’t. I can’t. I don’t want to get hurt. I don’t know what to do now and I have so many questions.

    Will this affect me going to college? Getting a job in college? My uni with loans and benefits? will this affect my credit score? I know the mark stays for 6 years and waiting sounds a whole lot better than telling my parents (yes its that bad) I can’t get it reversed because they put it there rightfully so for me there’s no point. I want another account with a card but I doubt I’ll receive one.

    (P.S I have a savings account in my parent's name so will that do? If it gets transferred to me when I'm 18 will they cancel it?)
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    Very Important Poster
    (Original post by Anonymous)
    So I lost a large sum of money when I turned 16 on my birthday and I was so sad and angry that my first decision was to get my good friend who does fraud to help me. (STUPID I KNOW).
    The bank found out and closed my account and I don't think I had any money left and I didn't have my card so I didn't end up going to close it myself when they sent me a letter to come and collect. I was too scared and ashamed to go.

    I regretted it so much and tried to forget it and so a few months later I wanted to start over I went to open a new account with 2 other banks and they both rejected me and one told me to contact CIFAS. I couldn't bring myself to do it so I'm still trying to forget it.
    I was so stressed I lost a chunk of weight and didn’t sleep or eat well last month. My dad wants to be giving me money for my piano lessons but I’m insisting on cash. I can not tell him. I can’t. I can’t. I don’t want to get hurt. I don’t know what to do now and I have so many questions.

    Will this affect me going to college? Getting a job in college? My uni with loans and benefits? will this affect my credit score? I know the mark stays for 6 years and waiting sounds a whole lot better than telling my parents (yes its that bad) I can’t get it reversed because they put it there rightfully so for me there’s no point. I want another account with a card but I doubt I’ll receive one.

    (P.S I have a savings account in my parent's name so will that do? If it gets transferred to me when I'm 18 will they cancel it?)
    1. How did you lose the money?
    2. If you had money left then what happened to it?
    3. Yes its very bad news as you have essentially helped commit fraud and institutions wont want to deal with you. All banks will see this marker. Presumably you have good reason to be wary of your parents and what they might say? Yes it causes an issue for student loans if you dont have a bank account to pay it into.
    4. No idea about the savings account.
    5. Talk to NACRO or CIFAS.
    6. There are some bank accounts where you pay a monthly fee that might tolerate a cifas marker.

    You can see most dont like cifas.
    http://www.ukbankaccounts.co.uk/


    Some more suggestions here

    http://hub.unlock.org.uk/knowledgeba...history-fraud/
    http://www.credecard.com/
    https://www1.talk-home.co.uk/CatCard/fees.aspx
    • #1
    • Thread Starter
    #1

    (Original post by 999tigger)
    1. How did you lose the money?
    2. If you had money left then what happened to it?
    3. Yes its very bad news as you have essentially helped commit fraud and institutions wont want to deal with you. All banks will see this marker. Presumably you have good reason to be wary of your parents and what they might say? Yes it causes an issue for student loans if you dont have a bank account to pay it into.
    4. No idea about the savings account.
    5. Talk to NACRO or CIFAS.
    6. There are some bank accounts where you pay a monthly fee that might tolerate a cifas marker.

    You can see most dont like cifas.
    http://www.ukbankaccounts.co.uk/


    Some more suggestions here

    http://hub.unlock.org.uk/knowledgeba...history-fraud/
    http://www.credecard.com/
    https://www1.talk-home.co.uk/CatCard/fees.aspx
    1. My friends and I were out and I gave my purse to one of them to hold and when we arrived at the restaurant she said she didn't have it. (it was in cash and I planned on using some that night)

    2. If I did I'm guessing the bank are keeping it or reserving it if I ever show up? Not sure but it wasn't much so I am not bothered by that.

    3/4. Well luckily I have a savings account that I can only access once I'm 18 so would I be able to access loans or get paid in a job using that or does that not count as an actual account for employers?

    5. I will look more into NACRO, haven't heard of it until now - I also assumed CIFAS would try to contact my parents or send me a letter which would have me caught and in extreme trouble. I have only just begun to repair my relationship and with my dad and he trusts me a lot - I think this would kill it... I may say something but maybe in a year or so - so it's not so fresh; this just got better so I can't ruin it... (my mum isn't any help at all)
    I don't mind paying a fee however being 16 I have no income so that would meaning asking my parents. stuck.

    Thank you so much for your help and the links.
    • #1
    • Thread Starter
    #1

    (Original post by Anonymous)
    1. My friends and I were out and I gave my purse to one of them to hold and when we arrived at the restaurant she said she didn't have it. (it was in cash and I planned on using some that night)

    2. If I did I'm guessing the bank are keeping it or reserving it if I ever show up? Not sure but it wasn't much so I am not bothered by that.

    3/4. Well luckily I have a savings account that I can only access once I'm 18 so would I be able to access loans or get paid in a job using that or does that not count as an actual account for employers?

    5. I will look more into NACRO, haven't heard of it until now - I also assumed CIFAS would try to contact my parents or send me a letter which would have me caught and in extreme trouble. I have only just begun to repair my relationship and with my dad and he trusts me a lot - I think this would kill it... I may say something but maybe in a year or so - so it's not so fresh; this just got better so I can't ruin it... (my mum isn't any help at all)
    I don't mind paying a fee however being 16 I have no income so that would meaning asking my parents. stuck.

    Thank you so much for your help and the links.
    didn't realise I was anonymous. sorry really panickish. I'm still 16 also so I understand there's a lot less I can do. I was wanting to hold on until I'm 18 to break the news so hopefully I can cover up for that long. I plan on getting a job in college since I will only have 3 days a week.
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    (Original post by Anonymous)
    1. My friends and I were out and I gave my purse to one of them to hold and when we arrived at the restaurant she said she didn't have it. (it was in cash and I planned on using some that night)

    2. If I did I'm guessing the bank are keeping it or reserving it if I ever show up? Not sure but it wasn't much so I am not bothered by that.

    3/4. Well luckily I have a savings account that I can only access once I'm 18 so would I be able to access loans or get paid in a job using that or does that not count as an actual account for employers?

    5. I will look more into NACRO, haven't heard of it until now - I also assumed CIFAS would try to contact my parents or send me a letter which would have me caught and in extreme trouble. I have only just begun to repair my relationship and with my dad and he trusts me a lot - I think this would kill it... I may say something but maybe in a year or so - so it's not so fresh; this just got better so I can't ruin it... (my mum isn't any help at all)
    I don't mind paying a fee however being 16 I have no income so that would meaning asking my parents. stuck.

    Thank you so much for your help and the links.
    oops again lool
 
 
 
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