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Cat 6 fraud marker filed by Lloyds Bank
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Josh_morts
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#1
I was issued with a cat 6 fraud marker on my name and have been told this last 6 years. What is the best thing to do as I feel as if I’ve been scammed and then thrown of the face of the earth being unable to open any sort of account to put my wages in. I have 3 sources of income and have no where to be paid now (currently using my mums bank account) doing something for a so called friend has left me bankless for 6 years and I really don’t understand why the price I have to pay is 6 years. My whole life is going to pass me by with no bank account, I don’t understand the need to stop someone getting money for 6 years for something they thought was the right & helpful thing to do. Any suggestions? As long as I can put all my money back into my own account and start getting paid I really don’t care. I’ll have to wait out for another 5 years (I’ll only be 26 with no current account😂)
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Quady
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#2
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#2
(Original post by Josh_morts)
My whole life is going to pass me by with no bank account
My whole life is going to pass me by with no bank account
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Quady
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#3
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#3
(Original post by Josh_morts)
I don’t understand the need to stop someone getting money for 6 years for something they thought was the right & helpful thing to do.
I don’t understand the need to stop someone getting money for 6 years for something they thought was the right & helpful thing to do.
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Josh_morts
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#4
(Original post by Quady)
Only got six years to live huh?
Only got six years to live huh?
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Josh_morts
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#5
(Original post by Quady)
What was this right and helpful thing you did...?
What was this right and helpful thing you did...?
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Surnia
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#6
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#6
(Original post by Josh_morts)
Client I had for over 6 months asked me to get a couple of grand out, didn’t know the reference or anything. Stupidly got the money out and was told the money was fraudulent. Bit unfair tbh, doing a favour and as a young lad with no experience or education on fraud, cifas and money laundering, I think it’s a bit unfair.
Client I had for over 6 months asked me to get a couple of grand out, didn’t know the reference or anything. Stupidly got the money out and was told the money was fraudulent. Bit unfair tbh, doing a favour and as a young lad with no experience or education on fraud, cifas and money laundering, I think it’s a bit unfair.
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Josh_morts
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#7
(Original post by Surnia)
Your explanation doesn't make much sense, but it appears you were 20, so not a 'young lad', responsible enough to have a job if you had a client, and had signed up for a bank account that states you agree to the terms and conditions of its operation...
Your explanation doesn't make much sense, but it appears you were 20, so not a 'young lad', responsible enough to have a job if you had a client, and had signed up for a bank account that states you agree to the terms and conditions of its operation...
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Surnia
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#8
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#8
(Original post by Josh_morts)
If 20 isn’t young then I don’t know what is.
If 20 isn’t young then I don’t know what is.
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Josh_morts
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#9
(Original post by Surnia)
It's young, but you are an adult at that age.
It's young, but you are an adult at that age.
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IWMTom
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#10
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#10
(Original post by Josh_morts)
I was issued with a cat 6 fraud marker on my name and have been told this last 6 years. What is the best thing to do as I feel as if I’ve been scammed and then thrown of the face of the earth being unable to open any sort of account to put my wages in. I have 3 sources of income and have no where to be paid now (currently using my mums bank account) doing something for a so called friend has left me bankless for 6 years and I really don’t understand why the price I have to pay is 6 years. My whole life is going to pass me by with no bank account, I don’t understand the need to stop someone getting money for 6 years for something they thought was the right & helpful thing to do. Any suggestions? As long as I can put all my money back into my own account and start getting paid I really don’t care. I’ll have to wait out for another 5 years (I’ll only be 26 with no current account😂)
I was issued with a cat 6 fraud marker on my name and have been told this last 6 years. What is the best thing to do as I feel as if I’ve been scammed and then thrown of the face of the earth being unable to open any sort of account to put my wages in. I have 3 sources of income and have no where to be paid now (currently using my mums bank account) doing something for a so called friend has left me bankless for 6 years and I really don’t understand why the price I have to pay is 6 years. My whole life is going to pass me by with no bank account, I don’t understand the need to stop someone getting money for 6 years for something they thought was the right & helpful thing to do. Any suggestions? As long as I can put all my money back into my own account and start getting paid I really don’t care. I’ll have to wait out for another 5 years (I’ll only be 26 with no current account😂)
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Josh_morts
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#11
(Original post by IWMTom)
Using your mum's account opens her up to having her account closed.
Using your mum's account opens her up to having her account closed.
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IWMTom
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#12
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#12
(Original post by Josh_morts)
Been using for 2 years, completely fine. Stop with the fake news
Been using for 2 years, completely fine. Stop with the fake news
Using your mum's account is a violation of the Terms and Conditions. It's a KYC and anti money laundering nightmare.
Last edited by IWMTom; 1 year ago
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Kutie Karen
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#13
I don't understand what happened. Did you lend someone some cash? I think that is ok to do isn't it?
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Josh_morts
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#14
(Original post by IWMTom)
You clearly haven't learned from your CIFAS
Using your mum's account is a violation of the Terms and Conditions. It's a KYC and anti money laundering nightmare.
You clearly haven't learned from your CIFAS
Using your mum's account is a violation of the Terms and Conditions. It's a KYC and anti money laundering nightmare.
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Josh_morts
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#15
(Original post by Kutie Karen)
I don't understand what happened. Did you lend someone some cash? I think that is ok to do isn't it?
I don't understand what happened. Did you lend someone some cash? I think that is ok to do isn't it?
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IWMTom
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#16
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#16
(Original post by Josh_morts)
I’ve got no where else to put my money? I can’t get a bank account 😂😂 can’t just not get paid because I got a couple of grand out for my mate and didn’t know it was frauded money. I got nothing from it, it’s so ****. Surely it would be better if you reoffend knowingly then you get a long term prison sentence? First time doing something with no clue what I was actually doing was wrong and I’ve got no bank. It’s pathetic and very frustrating. I pay my taxes and keep my money till I can open an account, what else can I do😂 I’ve practically been ****ed in the *********.
I’ve got no where else to put my money? I can’t get a bank account 😂😂 can’t just not get paid because I got a couple of grand out for my mate and didn’t know it was frauded money. I got nothing from it, it’s so ****. Surely it would be better if you reoffend knowingly then you get a long term prison sentence? First time doing something with no clue what I was actually doing was wrong and I’ve got no bank. It’s pathetic and very frustrating. I pay my taxes and keep my money till I can open an account, what else can I do😂 I’ve practically been ****ed in the *********.
You do have options like prepaid cards.
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Kutie Karen
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#17
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#17
(Original post by Josh_morts)
A client of mine who I become quite close with over the months asked me to get a couple of grand out, I said yes after cutting his hair as I had nothing else to do. I didn’t know the reference or anything at the time and I got the money out and then I was notified that the money he sent me was fraudulent. It’s frustrating but I live with it and worse things could happen. I’ve reported to action fraud and pleaded my innocence but Lloyds were having none of it. Telling the truth to them doesn’t get you anywhere.
A client of mine who I become quite close with over the months asked me to get a couple of grand out, I said yes after cutting his hair as I had nothing else to do. I didn’t know the reference or anything at the time and I got the money out and then I was notified that the money he sent me was fraudulent. It’s frustrating but I live with it and worse things could happen. I’ve reported to action fraud and pleaded my innocence but Lloyds were having none of it. Telling the truth to them doesn’t get you anywhere.
Did he give you a cheque or something to pay into your account? What did your clients say to you when he asked you do this?
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StriderHort
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#18
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#18
CIFAS isn't there to punish you, it's to protect lenders from you, and you are an utter liability as a customer. You are 100% placing your mums account at risk as well (fraud staff caught you and yr pal quick enough before right? Why assume they're suddenly deaf, dumb & blind now?)
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Josh_morts
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#20
(Original post by StriderHort)
CIFAS isn't there to punish you, it's to protect lenders from you, and you are an utter liability as a customer. You are 100% placing your mums account at risk as well (fraud staff caught you and yr pal quick enough before right? Why assume they're suddenly deaf, dumb & blind now?)
CIFAS isn't there to punish you, it's to protect lenders from you, and you are an utter liability as a customer. You are 100% placing your mums account at risk as well (fraud staff caught you and yr pal quick enough before right? Why assume they're suddenly deaf, dumb & blind now?)
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