Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • TtoTheStars
    • By TtoTheStars 9th Feb 16, 11:26 AM
    • 12Posts
    • 2Thanks
    TtoTheStars
    Barcalys CIFAS
    • #1
    • 9th Feb 16, 11:26 AM
    Barcalys CIFAS 9th Feb 16 at 11:26 AM
    Hi All,

    I have recently found out that Barclays have placed a CIFAS marker against my file. Category 6 - intention of misuse of bank account.

    Over the Christmas period I sold a few items where at least 2 people paid via BACS. As far as I can work out, one of these payments a person contacted their bank to claim that it was fraudulent and they have been the victim of a scam.

    With no communication regarding these transactions Barclays decided to 'close my account after a review' and place the CIFAS marker in secret. Even though I have correspondence with the buyers.. which I will be providing in my complaint and attempt of removal of this evil marker.

    I have now had my other bank account closed with Santander due to this marker and now without a banking account for wages and salary.

    I have began the complaint procedure with Barclays and I am gathering the evidence that I sold these items legitimately which includes forum posts and email correspondence!

    My DIRECT problem is now, from reading numerous other posts and threads I wont be able to open a bank account in the mean time!

    :- I have applied to 'Stink Money' who have advised me due to being self employed I wont be eligible for their facilities.

    :- I have applied to nationwide for a basic account (new one in January 2016)


    My question's are...


    1. What the hell do Barclays think they are doing? Like how can one person simply press a 'WORSE THAN BANKRUPT' button for a payment into my account for £50.00? WITHOUT asking for evidence!!!!!!!!!!!!

    2. Where can I obtain a bank that will take me?!?! Please note I had a DRO last year, I am past the momentary period.

    3. Is there a department at Barclays I can contact direct ??



    Sorry, If any information is unclear. I have had a few sleepless nights and I am infuriated. Happy to answer any questions.

    Thanks,

    T
Page 1
    • paragon909
    • By paragon909 9th Feb 16, 12:13 PM
    • 1,281 Posts
    • 1,292 Thanks
    paragon909
    • #2
    • 9th Feb 16, 12:13 PM
    • #2
    • 9th Feb 16, 12:13 PM
    Hi All,

    I have recently found out that Barclays have placed a CIFAS marker against my file. Category 6 - intention of misuse of bank account.

    Over the Christmas period I sold a few items where at least 2 people paid via BACS. As far as I can work out, one of these payments a person contacted their bank to claim that it was fraudulent and they have been the victim of a scam.

    With no communication regarding these transactions Barclays decided to 'close my account after a review' and place the CIFAS marker in secret. Even though I have correspondence with the buyers.. which I will be providing in my complaint and attempt of removal of this evil marker.

    I have now had my other bank account closed with Santander due to this marker and now without a banking account for wages and salary.

    I have began the complaint procedure with Barclays and I am gathering the evidence that I sold these items legitimately which includes forum posts and email correspondence!

    My DIRECT problem is now, from reading numerous other posts and threads I wont be able to open a bank account in the mean time!

    :- I have applied to 'Stink Money' who have advised me due to being self employed I wont be eligible for their facilities.

    :- I have applied to nationwide for a basic account (new one in January 2016)


    My question's are...


    1. What the hell do Barclays think they are doing? Like how can one person simply press a 'WORSE THAN BANKRUPT' button for a payment into my account for £50.00? WITHOUT asking for evidence!!!!!!!!!!!!

    2. Where can I obtain a bank that will take me?!?! Please note I had a DRO last year, I am past the momentary period.

    3. Is there a department at Barclays I can contact direct ??



    Sorry, If any information is unclear. I have had a few sleepless nights and I am infuriated. Happy to answer any questions.

    Thanks,

    T
    Originally posted by TtoTheStars
    Can't answer your questions, But in regards to wages etc, You can sign up to a prepaid visa card for the time being.

    http://www.credecard.com/

    CredECard, Gives you a personal sort code and account number meaning you dont need references to put payments into your account. You just need ID, Like driving licence or passport.

    Their account cost £2 a month.

    Or you can sign up to https://www.ffrees.co.uk/

    Which is the exact same except without any monthly charge.
    • Rich2808
    • By Rich2808 9th Feb 16, 2:00 PM
    • 562 Posts
    • 430 Thanks
    Rich2808
    • #3
    • 9th Feb 16, 2:00 PM
    • #3
    • 9th Feb 16, 2:00 PM
    A minor thing but these providers may offer cashback on quidco or top cashback for opening accounts - no harm checking as that would cover the first few weeks cost.

    Sorry about your situation OP.
    • Candyapple
    • By Candyapple 9th Feb 16, 4:37 PM
    • 2,658 Posts
    • 1,998 Thanks
    Candyapple
    • #4
    • 9th Feb 16, 4:37 PM
    • #4
    • 9th Feb 16, 4:37 PM
    What were you selling?

    And was it via somewhere like eBay/Gumtree/Facebook etc?

    Why did one of your buyers report the payment to his bank as fraudulent/been scammed?

    Are you 100% certain the CIFAS marker was placed because of this sale?

    Have you sent a subject access request to CIFAS?
    • colsten
    • By colsten 9th Feb 16, 5:33 PM
    • 8,922 Posts
    • 7,643 Thanks
    colsten
    • #5
    • 9th Feb 16, 5:33 PM
    • #5
    • 9th Feb 16, 5:33 PM
    :- I have applied to 'Stink Money' who have advised me due to being self employed I wont be eligible for their facilities.

    :- I have applied to nationwide for a basic account (new one in January 2016)
    Originally posted by TtoTheStars
    Stink Money? Seriously?

    What was the result of the application at Nationwide?

    Are you aware that using personal accounts for business purposes is against the T&Cs of all personal accounts? Could the use of your personal account for business purposes be the reason for the CIFAS marker? How did you find out you have a CIFAS marker?
    • TtoTheStars
    • By TtoTheStars 9th Feb 16, 6:19 PM
    • 12 Posts
    • 2 Thanks
    TtoTheStars
    • #6
    • 9th Feb 16, 6:19 PM
    • #6
    • 9th Feb 16, 6:19 PM
    I applied to think money because i was worried.

    I realized I had a cifas when santander rang me and told me Barclays have put that on the file and now closing my account.

    I sold a item on gumtree and it seems that I posted the item.. received payment via account. Person disputed it with his bank account.

    I ALSO purchased over £1000 worth of bitcoins over a week period form the account... so numerous transactions leaving the account..
    • GingerBob
    • By GingerBob 9th Feb 16, 8:34 PM
    • 3,614 Posts
    • 1,657 Thanks
    GingerBob
    • #7
    • 9th Feb 16, 8:34 PM
    • #7
    • 9th Feb 16, 8:34 PM
    I applied to think money because i was worried.

    I realized I had a cifas when santander rang me and told me Barclays have put that on the file and now closing my account.

    I sold a item on gumtree and it seems that I posted the item.. received payment via account. Person disputed it with his bank account.

    I ALSO purchased over £1000 worth of bitcoins over a week period form the account... so numerous transactions leaving the account..
    Originally posted by TtoTheStars

    You are obviously an international money launderer, no wonder they closed your accounts! As far as money laundering regulations are concerned, if these account for just one money launderer being stopped in his tracks then it's worth 10,000 innocent punters being wrongly accused.


    Unfortunately it seems you will probably get nowhere complaining to the cavalier banks or their so-called regulators. However, you will need to give it a go. Longer term, the only thing that may stop these chumps causing grief and misery in the way they've apparently done here is to take it up with the legislature. Write to your MP explaining what's happened and see if he's amenable to supporting your cause. The cause being
    to get these banks properly regulated in this respect and to sort out the abomination known as CIFAS.
    • jonesMUFCforever
    • By jonesMUFCforever 9th Feb 16, 8:53 PM
    • 24,437 Posts
    • 11,721 Thanks
    jonesMUFCforever
    • #8
    • 9th Feb 16, 8:53 PM
    • #8
    • 9th Feb 16, 8:53 PM
    BITCOINS - this is the reason your account has been closed - 100%

    Nothing at all to do with the sale of items.
    What goes around - comes around
    give lots and you will always receive lots
    • GingerBob
    • By GingerBob 9th Feb 16, 8:57 PM
    • 3,614 Posts
    • 1,657 Thanks
    GingerBob
    • #9
    • 9th Feb 16, 8:57 PM
    • #9
    • 9th Feb 16, 8:57 PM
    BITCOINS - this is the reason your account has been closed - 100%

    Nothing at all to do with the sale of items.
    Originally posted by jonesMUFCforever

    Yes, almost certainly. And this just emphasises the need to sort out these obdurate banks. Bitcoins are not illegal, so this guy has been given a truck load of grief for engaging in perfectly legal activity.
    • ChiefGrasscutter
    • By ChiefGrasscutter 9th Feb 16, 9:15 PM
    • 2,063 Posts
    • 1,984 Thanks
    ChiefGrasscutter
    The trouble is we are back to the usual problem of a business can decide who they want to deal with.

    Look at it from the banks perspective.... Here is a client dabbling in semi-untraceable bitcoin transactions and at any time WE the bank could be sat upon from on high either by the UK government or the USA government (much worse) asking lots of awkward questions about these transactions if they have dodgy money at the end of them....which we really do not know as we really cannot determine exactly where the money has come from.
    So they sit there, scratch their heads and say do we really want to run the risk of getting major aggro - and the answer is no and that this is one customer we would rather not deal with thank you very much.

    For another example suppose I'm a plumber and I myself so not want to deal with bitcoins so if you try and pay me in bitcoins I do not want anything more to do with you and will refuse all business from you.
    Perhaps you would think I'm being obdurate?
    • GingerBob
    • By GingerBob 9th Feb 16, 10:03 PM
    • 3,614 Posts
    • 1,657 Thanks
    GingerBob
    The trouble is we are back to the usual problem of a business can decide who they want to deal with.

    Look at it from the banks perspective.... Here is a client dabbling in semi-untraceable bitcoin transactions and at any time WE the bank could be sat upon from on high either by the UK government or the USA government (much worse) asking lots of awkward questions about these transactions if they have dodgy money at the end of them....which we really do not know as we really cannot determine exactly where the money has come from.
    So they sit there, scratch their heads and say do we really want to run the risk of getting major aggro - and the answer is no and that this is one customer we would rather not deal with thank you very much.

    For another example suppose I'm a plumber and I myself so not want to deal with bitcoins so if you try and pay me in bitcoins I do not want anything more to do with you and will refuse all business from you.
    Perhaps you would think I'm being obdurate
    ?
    Originally posted by ChiefGrasscutter

    But the plumber doesn't then blacklist you on a database which has the effect that you can't get plumbing services from anyone else. I'm fairly sure if that happened you'd be a bit put out, especially if you had pipe burst.
    • TtoTheStars
    • By TtoTheStars 9th Feb 16, 10:51 PM
    • 12 Posts
    • 2 Thanks
    TtoTheStars
    Thanks for the useful information guys.. How do I now appeal my CIFAS marker due to these Bitcoin transactions...

    I was out of work due to a Knee operation from beginning of November to early January.. so no regular payments going in other than the funds from my partners account (our savings) to fund these bitcoin transactions..

    Now I am classed as a international fraudster by Barclays... Any help appealing this CIFAS marker? any contact details etc
    • jonesMUFCforever
    • By jonesMUFCforever 9th Feb 16, 11:04 PM
    • 24,437 Posts
    • 11,721 Thanks
    jonesMUFCforever
    Thanks for the useful information guys.. How do I now appeal my CIFAS marker due to these Bitcoin transactions...

    I was out of work due to a Knee operation from beginning of November to early January.. so no regular payments going in other than the funds from my partners account (our savings) to fund these bitcoin transactions..

    Now I am classed as a international fraudster by Barclays... Any help appealing this CIFAS marker? any contact details etc
    Originally posted by TtoTheStars
    Out of work, no income, using someone else' money - what exactly are you intending to do with these bitcoins?
    I suggest your profile as it appears on your posting is not consistent with your circumstances.
    What goes around - comes around
    give lots and you will always receive lots
    • TtoTheStars
    • By TtoTheStars 9th Feb 16, 11:20 PM
    • 12 Posts
    • 2 Thanks
    TtoTheStars
    I can see how it looks to the bank, but I am still completely innocent. As I was off, a lot of spare time and bored.. decided to invest in some bitcoins.

    I also, as stated in the first post, decided to sell a few items online in my spare time.

    I do apologize if I 'supply more information' as I am still confused and trying to understand the circumstances and wanted some help from this forum. Not to be told what I am posting is 'inconsistent' and being looked down on for doing something completely legal.
    • TtoTheStars
    • By TtoTheStars 9th Feb 16, 11:22 PM
    • 12 Posts
    • 2 Thanks
    TtoTheStars
    Out of work, no income, using someone else' money - what exactly are you intending to do with these bitcoins?
    I suggest your profile as it appears on your posting is not consistent with your circumstances.
    Originally posted by jonesMUFCforever

    And using someone else's money? actually it was my money which was in my partners saving account for the higher interest...
    • Flobberchops
    • By Flobberchops 10th Feb 16, 12:49 AM
    • 666 Posts
    • 477 Thanks
    Flobberchops
    Using a personal account to conduct business is grounds for having your account closed, so if Barclays even just has the reasonable grounds for suspicion, that may be what has happened here.

    I don't know of any specialist direct number to the exact department. Just about any part of Barclays can be reached from their general number 03457345345 so perhaps try starting there - be warned though that the Barclays telephony team is notoriously inefficient, so make yourself a big cup of tea (or something stronger) and brace yourself for a long session.

    You have a couple of options if you go to your local branch. Don't expect to have the problem resolved at the counter as very few staff will have access to that level of account management, and fewer still (if any) will have the ability to lift the marker. What you can do is lodge a formal complaint - they *won't* be able to resolve it at the first point of contact, but Barclay's complaints procedure includes an obligation for the manager to at least make contact and clarify the situation by the end of the next working day. There's also the possibility of monetary reimbursement if the complaint is judged in your favour. You also have the small benefit of being able to use the service phone, so you can be put on hold and passed between departments on Barclay's phone bill, not your own.

    Good luck, you may need it.
    Last edited by Flobberchops; 10-02-2016 at 12:51 AM.
    • Candyapple
    • By Candyapple 10th Feb 16, 1:15 AM
    • 2,658 Posts
    • 1,998 Thanks
    Candyapple
    So we've finally got to the truth then, it was Bitcoins and not the selling of stuff that caused the CIFAS marker. Although I'm curious how you found out that the buyer had disputed his payment - I didn't think you could dispute a BACS or faster payment which you authorised, even if you thought you'd been scammed.

    What were you selling?

    How to get the CIFAS marker removed? Go and see a solicitor. No I'm not joking, you'll get nowhere going into the bank/talking to the staff at the branch. You can write letters until you are blue in the face and you'll be left with months of having to wait on their reply only to tell you that they've reviewed their decision and are sticking with it/refer you to Ombudsman to waste more of your time. In the meantime you are going to be left in no mans land. All your other bank accounts/ credit card providers will write to you and close your accounts too.

    You need to seek legal advice and go armed with copies of where the funds came from to pay for the Bitcoins, why you purchased them and what you were going to use them for, the transactions where you have put money into your partner's account - where these funds originated from etc and let your solicitor liaise with them. Legal action is the fastest way of getting them to take notice. CIFAS markers last for 6 years so you want to get this sorted sooner rather than wait until all your creditors start closing your accounts down.
    • TtoTheStars
    • By TtoTheStars 10th Feb 16, 9:44 AM
    • 12 Posts
    • 2 Thanks
    TtoTheStars
    Thank you candy and flobber.

    I sold a ipad on Gumtree. My suspicion of this being the reason it was closed is due to selling the ipad and it being disputed was due to the person at santander suggesting this.

    Thank you for the information. Looks like I am going down the legal route.

    Regards
    • Ed-1
    • By Ed-1 10th Feb 16, 10:28 AM
    • 2,109 Posts
    • 1,127 Thanks
    Ed-1
    Thank you candy and flobber.

    I sold a ipad on Gumtree. My suspicion of this being the reason it was closed is due to selling the ipad and it being disputed was due to the person at santander suggesting this.

    Thank you for the information. Looks like I am going down the legal route.

    Regards
    Originally posted by TtoTheStars


    Have you sent a subject access request to CIFAS? This would provide the reason Barclays have loaded on to the database against the entry.
    • TtoTheStars
    • By TtoTheStars 10th Feb 16, 11:04 AM
    • 12 Posts
    • 2 Thanks
    TtoTheStars
    Hi Ed,

    I sent it now waiting for a response. Will update when I know.

    Thanks,
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

85Posts Today

3,010Users online

Martin's Twitter