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Cifas 16 Year old

Poll

Cifas 16 Year old

hi. i know this story has been on here many times before. but i have got a cifas mark on my name because my "friend" had scammed someone out of £200 and put it in my account, he had my bank details from before when he transferred me money legally. i cannot open a mainstream account , but i'm not sure what to do because i want to start working but have no bank account to get paid into. is there any way i can get a bank account with this cifas cat 6 or get paid from a job.
(edited 1 year ago)
Reply 1
This does not constitute legal advice
A CIFAS (Credit Industry Fraud Avoidance System), sometimes called a CIFAS marker on your credit report is a warning 'flag' marker to other financial institutions to beware - a heads up to try and prevent potential fraudulent activity. This marker is visible to any potential lender(s) to make them aware that you are or have been vulnerable to fraudulent attempts to take out credit in your name or perhaps that you are connected to the facilitation of such unlawful activity.

Your CIFAS marker will remain on file for 6 years from the date it was applied

Your particular markers here may be a Facility Takeover (an account is taken over by a fraudster and used for unauthorised transactions. The second marker is Misuse of Facility - An account or facility is obtained with the deliberate attempt to use the account for fraudulent reason.

You can try and get the markers removed (But in this case I think you might struggle) How does the bank know that any deposits you have on your bank account are not from associates of this fraudster or from the proceeds of crime?

Here is how to try and get the markers removed
1) Make a DSAR (Data Subject Access Request) to CIFAS to find out what information they hold on you. There is no charge for this. Make sure you tell them how you expect them to reply ie letter/email etc

2) Contact your bank (or any other affected financial institution affected from the DSAR information) and request that they remove the marker. Find out the right department and person to send the the request to.

Write to the bank and include:
Your full name (& aliases) address, contact telephone numbers, identifying account numbers, roll numbers, unique ID numbers etc)

Explain the circumstances of the current CIFAS marker and explain why you feel this should be removed. It might help to explain your connection and association with the fraudster and why any deposits have been made into your account.

Tell the bank how you wish them to respond ie written or email.

If they refuse to remove the marker you have an option to go back to CIFAS and ask for a case review

3) If CIFAS hold a case review and CIFAS agree with the bank(s) you would have to appeal to the financial ombudsman. Their final decision is binding.

If ever there was a cautionary warning to any one this might be one - Be exceptionally careful with whom you associate - and to who you give your bank account details to. One bad decision can really cause so much aggravation. It closes down many avenues of financial access for a long time and this is your life.

You can always pay for specialist legal advice if you think it would be worth your while doing so.
Reply 2
What's the point of the poll? You haven't asked a question to choose an answer.

It's more a case of the other way round and finding banks that aren't on this list: there's suggestions in other threads in this forum:

https://www.cifas.org.uk/services/national-fraud-database/national-fraud-database-members
Reply 3
Original post by AbidR171
hi. i know this story has been on here many times before. but i have got a cifas mark on my name because my "friend" had scammed someone out of £200 and put it in my account, he had my bank details from before when he transferred me money legally. i cannot open a mainstream account , but i'm not sure what to do because i want to start working but have no bank account to get paid into. is there any way i can get a bank account with this cifas cat 6 or get paid from a job.

Completed you poll. Hope it helps.
Reply 4
Original post by Quady
Completed you poll. Hope it helps.

lol i put a poll on by accident i thought it was tags.
Reply 5
Original post by Surnia
What's the point of the poll? You haven't asked a question to choose an answer.

It's more a case of the other way round and finding banks that aren't on this list: there's suggestions in other threads in this forum:

https://www.cifas.org.uk/services/national-fraud-database/national-fraud-database-members

sorry, didn't actually mean to put a poll on, i've never posted on here before, thought it was tags until i saw it later on.
Reply 6
Original post by Muttly
This does not constitute legal advice
A CIFAS (Credit Industry Fraud Avoidance System), sometimes called a CIFAS marker on your credit report is a warning 'flag' marker to other financial institutions to beware - a heads up to try and prevent potential fraudulent activity. This marker is visible to any potential lender(s) to make them aware that you are or have been vulnerable to fraudulent attempts to take out credit in your name or perhaps that you are connected to the facilitation of such unlawful activity.

Your CIFAS marker will remain on file for 6 years from the date it was applied

Your particular markers here may be a Facility Takeover (an account is taken over by a fraudster and used for unauthorised transactions. The second marker is Misuse of Facility - An account or facility is obtained with the deliberate attempt to use the account for fraudulent reason.

You can try and get the markers removed (But in this case I think you might struggle) How does the bank know that any deposits you have on your bank account are not from associates of this fraudster or from the proceeds of crime?

Here is how to try and get the markers removed
1) Make a DSAR (Data Subject Access Request) to CIFAS to find out what information they hold on you. There is no charge for this. Make sure you tell them how you expect them to reply ie letter/email etc

2) Contact your bank (or any other affected financial institution affected from the DSAR information) and request that they remove the marker. Find out the right department and person to send the the request to.

Write to the bank and include:
Your full name (& aliases) address, contact telephone numbers, identifying account numbers, roll numbers, unique ID numbers etc)

Explain the circumstances of the current CIFAS marker and explain why you feel this should be removed. It might help to explain your connection and association with the fraudster and why any deposits have been made into your account.

Tell the bank how you wish them to respond ie written or email.

If they refuse to remove the marker you have an option to go back to CIFAS and ask for a case review

3) If CIFAS hold a case review and CIFAS agree with the bank(s) you would have to appeal to the financial ombudsman. Their final decision is binding.

If ever there was a cautionary warning to any one this might be one - Be exceptionally careful with whom you associate - and to who you give your bank account details to. One bad decision can really cause so much aggravation. It closes down many avenues of financial access for a long time and this is your life.

You can always pay for specialist legal advice if you think it would be worth your while doing so.

thanks for the advice, i'll go through these steps and if it does not work and the decision is upheld, i'll just have to live with it, after all i guess i am at fault for having such friends. this shouldn't affect student loans as far as i can tell, considering i do not plan to receive maintenance loans, just tuition fees which should be paid straight to the university, but would i be able to get my wages paid into my parents account?
Reply 7
Original post by AbidR171
hi. i know this story has been on here many times before. but i have got a cifas mark on my name because my "friend" had scammed someone out of £200 and put it in my account, he had my bank details from before when he transferred me money legally. i cannot open a mainstream account , but i'm not sure what to do because i want to start working but have no bank account to get paid into. is there any way i can get a bank account with this cifas cat 6 or get paid from a job.


Hi i got the same issue today literally did you provide the bank with any proof or did they just shut you off i have to go down to the branch tommorow

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