Cifas marker -16 year oldWatch
This summer in August my account has been closed for fraudulent practices. I never shared my information but I lost my card ( I thought it was around my house and I didn’t use it because I my dad stopped paying into it late 2018, so it must fallen out of my wallet while going out). So my balance was -£28 put when I spoke to Nationwide they did an investigation and I got proven innocent ( so the £28 got repaid, my balance was £0 but my account closed). But I still got a cifas marking against my name ( got rejected by Halifax and Santander) .I recently contacted FOS and given my evidence but still haven’t got anything back. I neede it to access my school bursary fund , but the date expired so I need a job to support myself( travel to school). In addition I want to study medicine at Oxford , I got the GCSE grades, volunteering and good A level results so far , I know this mark will last 6 years if I can’t get it removed I want to know if I can still live a normal life. P.s. the first party fraud mark states that I opened the account with the intention of frauds, but my account was opened by my parents when I was 12, so it’s not fair that it should ruin my life and from research plenty of other teens young adults life’s are being ruined too. It any possible way meanwhile FOS are doing their investigation that I conduct a normal life? (Need to get a job)
However, having a CIFAS marker for first-party fraud will mean you will find it all but impossible to open a bank account in your own name, and will need to make alternative arrangements to access banking facilities. Could you arrange to have funds paid into your parent's account? It won't affect any application for medicine.