What does being blacklisted in banks mean?

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Delusionalgirl
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#1
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#1
Is it a criminal record? Can you travel abroad? Can you apply for jobs? Can you apply for a British passport?
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999tigger
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#2
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(Original post by Delusionalgirl)
Is it a criminal record? Can you travel abroad? Can you apply for jobs? Can you apply for a British passport?
More context information.

Probably someone has done something they ought not to with their bank account and now have a cifas marker against their names.

Criminal record, depends if they have been convicted by a court or admitted guilt to the police.
Depends whats happened and context as to travel or passport, but most are unlikely.
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Delusionalgirl
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I gave someone my account details and he used for illegal stuff I think, but I’m not sure because I was assured it was nothing illegal. a cheque was deposited into my account and my bank returned it, and said that it could have been counterfeit or fraudulent, so I think I’ve been black listed for giving out my account details. So the marker will not show up as a criminal record? And by travel I mean that I wanted to work abroad after I graduate? So I’ll need to apply for a passport and everything, but I don’t know if the market will affect that.
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Otherside22
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You most likely have a CIFAS marker against your name (You'll need to contact them to see if that is the case). It also sounds like what happened most likely was illegal, despite what you were told - you were involved in what is known as "AC Fraud" or "Deets and Squares".

CIFAS is not a criminal record as such. But:

- You will have issues opening financial accounts in the future. This includes Bank Accounts (Even the basic ones), loans, credit cards, mortgages, phone contracts. In most cases, this lasts for six years.
- This may all affect you when seeking employment. Some jobs will check if you are on this blacklist when seeking to employ you.

It shouldn't affect a passport or travel abroad. I don't think it will follow you out of the country, although I may be wrong. But you are likely to have issues elsewhere in the UK for the next few years.
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willo310
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#5
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(Original post by Delusionalgirl)
I gave someone my account details and he used for illegal stuff I think, but I’m not sure because I was assured it was nothing illegal. a cheque was deposited into my account and my bank returned it, and said that it could have been counterfeit or fraudulent, so I think I’ve been black listed for giving out my account details. So the marker will not show up as a criminal record? And by travel I mean that I wanted to work abroad after I graduate? So I’ll need to apply for a passport and everything, but I don’t know if the market will affect that.
This happened to me recently but it will only be your address you signed it under and your name that will be blacklisted as you wont be able to use that account ever again but you wont stay blacklisted for long that's if you can get your credit score back to normal
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IWMTom
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#6
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#6
(Original post by willo310)
This happened to me recently but it will only be your address you signed it under and your name that will be blacklisted as you wont be able to use that account ever again but you wont stay blacklisted for long that's if you can get your credit score back to normal
Ummm.. you know all past addresses are linked to your current one, right?
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