What jobs would you not be allowed to work in with a CIFAs marker?

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GOI983
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What jobs would you not be allowed to work in with a CIFAs marker? A response would be much appreciated!


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999tigger
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(Original post by GOI983)
What jobs would you not be allowed to work in with a CIFAs marker? A response would be much appreciated!


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How old are you and what sort of jobs are you interested in?
Whats the background to getting the marker?

It wont show up on a criminal record check, but will do on a credit check.
Also if you are trying to join a profession you might have a duty to disclose as essentially a sign of dishonesty. Lots of professions would take that seriously.
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GOI983
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Well I’m not interested in financial services, not too good at maths. So either consultancy or non-contentious law, but most of the firms I’ve been looking at have said that they only do criminal record checks, educational checks and demand references.

The CIFAs marker that I had received, was one I wasn’t even made aware of... and it was put on my name in 2018! I don’t even know what I had done, or if someone was impersonating me...etc. But I would never do fraud - period.

I am now at university, hoping it doesn’t affect me getting into non-contentious law or consultancy. I believe I’d like to do real estate or media entertainment law more specifically.

They don’t carry out credit checks apparently and only do deeper and more rigorous checks at higher levels. I do not have a criminal record either... so hopefully everything should be fine.

Thanks for the response btw
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threeportdrift
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(Original post by GOI983)
Well I’m not interested in financial services, not too good at maths. So either consultancy or non-contentious law, but most of the firms I’ve been looking at have said that they only do criminal record checks, educational checks and demand references.

The CIFAs marker that I had received, was one I wasn’t even made aware of... and it was put on my name in 2018! I don’t even know what I had done, or if someone was impersonating me...etc. But I would never do fraud - period.

I am now at university, hoping it doesn’t affect me getting into non-contentious law or consultancy. I believe I’d like to do real estate or media entertainment law more specifically.

They don’t carry out credit checks apparently and only do deeper and more rigorous checks at higher levels. I do not have a criminal record either... so hopefully everything should be fine.

Thanks for the response btw
Are you studying law? I suspect, but you'd need to check with a legal professional, that your problem will be qualifying in law. You don't specialise in real estate or media law etc until after you've become a solicitor/barrister, and it's the qualifying step to becoming a solicitor/Barrister that is likely to be concerned about a cifas marker.

Try posting in the legal thread on TSR and see if one of the qualified lawyers can advise.

Consulting - depends on the process, the issue is that if you are ever asked you have to tell the truth. Also, how will you deal with banking, credit cards, loans etc
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GOI983
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I have a Monzo card at the moment and have had it since 2018 October. But by the time I finish my lpc, trainer contract etc. It will be nearly time for the marker to be removed (after 6 years) so by then will they care? I just want to become a solicitor not barrister.
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threeportdrift
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(Original post by GOI983)
I have a Monzo card at the moment and have had it since 2018 October. But by the time I finish my lpc, trainer contract etc. It will be nearly time for the marker to be removed (after 6 years) so by then will they care? I just want to become a solicitor not barrister.
I suspect they will mind, but you need to talk specifics to someone who is familiar with the SRA Code of Conduct etc and how these things are applied and interpreted.
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GOI983
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Well I don’t know how they’ll find out since CIFAs aren’t a governmental organisation.
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Appirition
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You need to find out who put the cifas marker on your credit reference - the big referencing agencies should be able to tell you this, then contact whoever put it on to find out why. Having this information will help you substantially whenever you have to go thorough pre-employment or background checks.
If you haven't done anything wrong you have nothing to worry about.
Typically, pre-employment and background type checks are looking for honesty with things like this, so if you can provide a full explanation it won't go against you unless it is deemed that you did something to cause it. It could be that you've been a victim of fraud, and you did nothing wrong that made you vulnerable. If that's the case it won't be held against you, but not disclosing it will go against you.
If there's a marker on your credit reference, anyone who checks it WILL care, regardless of how long it has left before it's removed.
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Appirition
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Read this thread It has lots of information and similarities to your situation.
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GOI983
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thanks for your help! I will read that thread! I have also gotten a response from the bank who put it on my name and they’ve said they cannot remove it... but there’s no actual evidence of me getting this money, I don’t even know how to steal money in that way ffs! Ridiculous! So if I be honest about it and show them the letters regarding the situation (the letter says that money was received into my account that appeared to be stolen, but anybody can send money to your account especially with a sort-code and account number) will they allow me to qualify as a lawyer as I’m honest.
And if I don’t mention it, how will they find out? I did a credit check on Experian and I didn’t even have a record! Lol, this is because there’s is no times where I’ve borrowed credit etc. Only student loans which I don’t think show up and are considered as that type of borrowing.
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johnyyyyy
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(Original post by GOI983)
thanks for your help! I will read that thread! I have also gotten a response from the bank who put it on my name and they’ve said they cannot remove it... but there’s no actual evidence of me getting this money, I don’t even know how to steal money in that way ffs! Ridiculous! So if I be honest about it and show them the letters regarding the situation (the letter says that money was received into my account that appeared to be stolen, but anybody can send money to your account especially with a sort-code and account number) will they allow me to qualify as a lawyer as I’m honest.
And if I don’t mention it, how will they find out? I did a credit check on Experian and I didn’t even have a record! Lol, this is because there’s is no times where I’ve borrowed credit etc. Only student loans which I don’t think show up and are considered as that type of borrowing.
And what bank r u with now?
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GOI983
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Monzo
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Appirition
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(Original post by GOI983)
thanks for your help! I will read that thread! I have also gotten a response from the bank who put it on my name and they’ve said they cannot remove it... but there’s no actual evidence of me getting this money, I don’t even know how to steal money in that way ffs! Ridiculous! So if I be honest about it and show them the letters regarding the situation (the letter says that money was received into my account that appeared to be stolen, but anybody can send money to your account especially with a sort-code and account number) will they allow me to qualify as a lawyer as I’m honest.
And if I don’t mention it, how will they find out? I did a credit check on Experian and I didn’t even have a record! Lol, this is because there’s is no times where I’ve borrowed credit etc. Only student loans which I don’t think show up and are considered as that type of borrowing.
I've done some more digging around on the good old interweb to see what more info I could find...............
Evidently cifas markers don't show on your credit record, so my apologies for getting that wrong previously. I thought they did, and although I've come across other types of financial black marks before, cifas is one I haven't had to deal with - thankfully, so this is slightly new territory for me.
Credit reference checks are different to fraud checks - any company or organisation with a valid and justifiable reason can check both, as well as doing things like DBS checks, however these checks cost the company/organisation quite a bit of money as well as staff time, so they generally only tend to do them if they are obliged to. I don't work in the legal profession, so I don't know what checks have to be completed to allow you to qualify.
You get a credit record with lots of different things, many of which people don't realise. Something as simple as a mobile phone contract in your name, and utility bills in your name can all start or add to your credit record. If you've never had any sort of bill in your name then you won't have a credit record.
You need to know everything possible about the event that caused the cifas marker to be put against your name. Answer this question for yourself - can you tell the whole complete story of exactly how the suspected fraud event happened, when it happened, and why it happened, and can you prove it on paper? If the answer to any of that is 'no', you have work to do, because you have to be able to answer yes to all of that. If any piece of information is available in relation to the event, you have to have it - on paper.
You also need to know what type/level of cifas marker you have and fully understand its meaning and implications - each number means something different. Knowing all of this will significantly help you when completing background check forms.
I suggest you also get and keep original copies of all your bank statements for a 3 month period leading up to when the stolen money was claimed to have been received into your account. These must be bank produced originals, not copies, and not something you've printed off an Internet banking web page. Your bank will be able to advise you how you get official bank statements that are acceptable as proof of id - this is the same standard that's required for proving your financial background.

If you are honest about the whole situation and can prove that you did nothing wrong, you shouldn't have any problems, it's just the time and effort taken to prove yourself in these situations.
If you don't mention it at every relevant opportunity, and someone finds it, your chances will be significantly reduced of progressing a career in any profession that involves legal, financial, or personal information.
Total honesty and full openness is what they are looking for. When completing forms for background checks, it's always better to tell them more than they need, rather than not tell them enough, because 'not enough' makes them question why you didn't disclose it in the first place, which is a red flag in itself, and also makes them dig deeper to see what else they can find.
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Appirition
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This should be part of your information gathering, if you haven't done it already
https://www.cifas.org.uk/contact-us/...access-request
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999tigger
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(Original post by GOI983)
Well I’m not interested in financial services, not too good at maths. So either consultancy or non-contentious law, but most of the firms I’ve been looking at have said that they only do criminal record checks, educational checks and demand references.

The CIFAs marker that I had received, was one I wasn’t even made aware of... and it was put on my name in 2018! I don’t even know what I had done, or if someone was impersonating me...etc. But I would never do fraud - period.

I am now at university, hoping it doesn’t affect me getting into non-contentious law or consultancy. I believe I’d like to do real estate or media entertainment law more specifically.

They don’t carry out credit checks apparently and only do deeper and more rigorous checks at higher levels. I do not have a criminal record either... so hopefully everything should be fine.

Thanks for the response btw
If you dont hit reply I have no idea you have responded. That means you dont get a reply.
Law is financial services. It is also a profession.
Law requires you to disclose the cifas to the sra when applying to join.
They take it seriously because its to do with dishonesty and secondly failure to disclose is also taken very seriously as that is to do with dishonesty as well.
If you feel the cifas marker doesnt belong there, then you should contact the people who put it there to find out what it is and also ask them to remove it. You can also contact cifas.

As a lawyer you should practice your research skills and be your own client, which means finding out for certain. Everything should be fine attitude is a dodgy way to proceed, when the answer is there and it has a big bearing on your legal career.

If you havent noticed I advised on that linked thread, so no need for me to repeat myself.
Last edited by 999tigger; 1 month ago
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Jack22031994
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(Original post by GOI983)
What jobs would you not be allowed to work in with a CIFAs marker? A response would be much appreciated!


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Anything in finance or banking(even just being a cashier) for sure, and then you might struggle elsewhere but I cant say for sure
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GOI983
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Thanks for the help all. I have no intentions of working in the financial services, law is legal, not financial.... if I cannot get a training contract, I’ll do consulting (well apply to both at once) you can only wait and see. I will only put what they ask for on the SRA I’m not going to go out of my way to tell them about CIFAs when it doesn’t ask for it... I’ve seen the forms and it doesn’t ask for that. So.... unless they can find anything... I’ll be fine, as on credit records they don’t show cifas, they only show ccjs, bad debt issues and your credit rating etc. Plus I can’t even get a credit check, as I’ve tried and there’s not enough on my record to check anything. So I think I’ll be fine. Thanks everyone once again!
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999tigger
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To the OP

It is classes as part of financial services.
In any event your regulatory body is the SRA.

As you are a law student I find it disappointing and worrying that you do not understand or have not researched what your professional obligations might be as a lawyer. I find it troubling you cant interpret the form and do not understand the obligation is for you to be transparent.
You simply cannot have read the same form or the rules.

There are ways to deal with the situation, but as you were always going to follow your own advice it seems a waste of time.
Read the rules , as a law student you should be able to do that.

When making a decision it is just as important to make an informed one as whatever decision is finally made.

Good luck.
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GOI983
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Thank you, to the biggest pessimist on this thread. I know you... you’ve been active on TSR for years, I’m watching you. Who on earth told you that I was a law student?!?!? Is that something you’ve inferred? Because you’ve got it all wrong, I’m no law student. Stop being negative towards people, be optimistic.. maybe you wouldn’t find yourself on threads like these for years if you were.

I’ll leave it as that. Just have a think about that to yourself for the moment.
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martin7
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(Original post by GOI983)
thanks for your help! I will read that thread! I have also gotten a response from the bank who put it on my name and they’ve said they cannot remove it... but there’s no actual evidence of me getting this money, I don’t even know how to steal money in that way ffs! Ridiculous! So if I be honest about it and show them the letters regarding the situation (the letter says that money was received into my account that appeared to be stolen, but anybody can send money to your account especially with a sort-code and account number) will they allow me to qualify as a lawyer as I’m honest.
And if I don’t mention it, how will they find out? I did a credit check on Experian and I didn’t even have a record! Lol, this is because there’s is no times where I’ve borrowed credit etc. Only student loans which I don’t think show up and are considered as that type of borrowing.
If you believe that the bank has acted unreasonably in registering a marker against your name with CIFAS, you need to go through the bank's complaints process. If you can persuade them that it wasn't appropriate for them to register the marker, they should remove it.

If you complete the bank's complaints process and you're still not happy, then you can go to the Financial Ombudsman Service. If they rule in your favour, they can instruct the bank to get the marker removed.
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