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  • FIRST POST
    • Ahmsbelkz
    • By Ahmsbelkz 1st Sep 17, 1:25 AM
    • 40Posts
    • 3Thanks
    Ahmsbelkz
    Urgent help needed (bank accounts)
    • #1
    • 1st Sep 17, 1:25 AM
    Urgent help needed (bank accounts) 1st Sep 17 at 1:25 AM
    I would be over the moon if i found a solution to this huge problem i have...so last year october i opened an account with nationwide and i ended up losing my debit card one evening and had not realized this until next morning, once i called them to get it blocked i had got the news that my account had been closed down. Days went on and they told me that it was for fraud and that someone had attempted to deposit £1300 into my account. Even though I had no clue of this happening I agreed and didnt mind that they closed the account until I had realized that I believe they put a blacklist on my name with all UK banks. The bank account was fairly new and I have no criminal activity history anything and in this case i was the victim of fraud and ended up being the fraudster. Nationwide denied that they had banned my name from any other banks or so but ever since this happened I have been too TSB, Lloyds, Santander and they have all opened me basic current accounts and closed them without reason after a week or so. I am highly frustrated and depressed as I have had no bank account for nearly a year and struggle to get paid from work and other things such as bills. What do you think is the cause of this and can anyone give me a solution please...i am lost and have tried everything possible to find out how can i get a normal bank account like a normal person. Thanks
Page 2
    • tempus_fugit
    • By tempus_fugit 3rd Sep 17, 1:45 AM
    • 296 Posts
    • 283 Thanks
    tempus_fugit
    Yeah I will do that, just wondering why i need a report on myself when i know the reason as my bank gave me information on that today. My main question is how to get this flag removed.
    Originally posted by Ahmsbelkz
    As stated in the post above the correspondence from Nationwide doesn't really confirm that there is a flag at all, just where they have consulted before closing your account. Getting the CIFAS report will confirm for definite if there is a flag and what it is for. You then go back to Nationwide and dispute the flag, if indeed it has been incorrectly applied. This should really be your priority as I know that if it was me I would want the flag removed ASAP. As you appear to be ignoring this good advice, already given earlier in the thread, we are not quite sure what else you are expecting us to tell you.
    Retired at age 56 after having "light bulb moment" due to reading MSE and it's forums. Have been converted to the "budget to zero" concept and use YNAB for all monthly budgeting and long term goals.
    • Ed-1
    • By Ed-1 3rd Sep 17, 12:42 PM
    • 2,033 Posts
    • 1,094 Thanks
    Ed-1
    As stated in the post above the correspondence from Nationwide doesn't really confirm that there is a flag at all, just where they have consulted before closing your account. Getting the CIFAS report will confirm for definite if there is a flag and what it is for. You then go back to Nationwide and dispute the flag, if indeed it has been incorrectly applied. This should really be your priority as I know that if it was me I would want the flag removed ASAP. As you appear to be ignoring this good advice, already given earlier in the thread, we are not quite sure what else you are expecting us to tell you.
    Originally posted by tempus_fugit
    I don't even believe that that correspondence was from Nationwide - it seemed like OP applied for an account elsewhere and that was the response they got.
    Last edited by Ed-1; 03-09-2017 at 7:15 PM.
    • Candyapple
    • By Candyapple 3rd Sep 17, 5:56 PM
    • 2,480 Posts
    • 1,851 Thanks
    Candyapple
    It is strange indeed which is why i am struggling to find a solution. My card was lost and I had not realized until the next morning. Fraudelent activity was done in that time before I even reported it lost/stolen. Due to that the bank had labelled it fraudelent and under my name because at the time the account was active and had no reports of it being stolen or lost. It was a fairly new account and I hadn't lost any money because there was none on there. Long story short is fraud activity happened on my card I believe to be related to a deposit/transfer of some sort. I got flagged for it when in reality I was the victim of it.

    Does anyone know if cashplus is a suitable alternative until this problem is sorted? Thanks again for your advice and I hope to get this matter sorted.
    Originally posted by Ahmsbelkz

    So between say a timeline of one evening (assuming 8pm) to the morning when you notified the bank of loss of your card (assuming 10am) in the space of 14 or so hours your story is that no ordinary stranger but a fraudster found your card and thought 'I know, I'll try and launder some money through this account even though I have absolutely no way of withdrawing the funds' and did a bank transfer to your bank using your sort code/account number on your card and then Nationwide thought hey-ho this transaction of £10,000 (I presume it was for a large amount for them to flag it/investigate it) is suspicious and then blocked your account. The following day when you called and Nationwide told you they were closing your account you were like 'ok that's fine, no problem'.

    If that is the story you are peddling then good luck trying to get the CIFAS marker removed!

    The only way to get a CIFAS marker removed, is for the company who put it on there in the first place have to remove it.

    How are you going to convince Nationwide of your innocence when your story is so unbelievable?
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
    • d123
    • By d123 3rd Sep 17, 8:15 PM
    • 6,693 Posts
    • 4,268 Thanks
    d123
    So between say a timeline of one evening (assuming 8pm) to the morning when you notified the bank of loss of your card (assuming 10am) in the space of 14 or so hours your story is that no ordinary stranger but a fraudster found your card and thought 'I know, I'll try and launder some money through this account even though I have absolutely no way of withdrawing the funds' and did a bank transfer to your bank using your sort code/account number on your card and then Nationwide thought hey-ho this transaction of £10,000 (I presume it was for a large amount for them to flag it/investigate it) is suspicious and then blocked your account. The following day when you called and Nationwide told you they were closing your account you were like 'ok that's fine, no problem'.

    If that is the story you are peddling then good luck trying to get the CIFAS marker removed!

    The only way to get a CIFAS marker removed, is for the company who put it on there in the first place have to remove it.

    How are you going to convince Nationwide of your innocence when your story is so unbelievable?
    Originally posted by Candyapple
    Sounds about right, but the criminal mastermind only attempted to deposit £1300 (from the OP), and bizarrely this relatively small deposit is what triggered the alleged fraud warning.
    ====
    • DCFC79
    • By DCFC79 3rd Sep 17, 8:31 PM
    • 30,282 Posts
    • 19,157 Thanks
    DCFC79
    The person who deposited the cash may have transferred it fraudulently from an account that was not theirs. They then hoped to withdraw or spend the cash using the OP's card.
    Originally posted by Vortigern
    Good point, was early morning when I posted.

    Only way to have spent the monyey would be by contactless so alot of purchases with the limit low.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • Ahmsbelkz
    • By Ahmsbelkz 4th Sep 17, 12:45 PM
    • 40 Posts
    • 3 Thanks
    Ahmsbelkz
    So between say a timeline of one evening (assuming 8pm) to the morning when you notified the bank of loss of your card (assuming 10am) in the space of 14 or so hours your story is that no ordinary stranger but a fraudster found your card and thought 'I know, I'll try and launder some money through this account even though I have absolutely no way of withdrawing the funds' and did a bank transfer to your bank using your sort code/account number on your card and then Nationwide thought hey-ho this transaction of £10,000 (I presume it was for a large amount for them to flag it/investigate it) is suspicious and then blocked your account. The following day when you called and Nationwide told you they were closing your account you were like 'ok that's fine, no problem'.

    If that is the story you are peddling then good luck trying to get the CIFAS marker removed!

    The only way to get a CIFAS marker removed, is for the company who put it on there in the first place have to remove it.

    How are you going to convince Nationwide of your innocence when your story is so unbelievable?
    Yes that is what happened. He tried to use my account to do transfers or something like that I wasnt given full information but the amount was £1300. That is my story and how else am a I going to report it other than what actually happened?! I was the victim but is the one viewed as the fraudulant by nationwide who flagged me and denied it. Im just worried I wont ever be able to get this flag removed...can anyone answer me, would cashplus be an alternative until this is sorted?
    • Ahmsbelkz
    • By Ahmsbelkz 4th Sep 17, 12:47 PM
    • 40 Posts
    • 3 Thanks
    Ahmsbelkz
    And for the records I phoned nationwide and they notified me it closed, I wasnt too stressed because it was a fairly new account and I thought Id be able to open a new one without any issue...but it turns out im flagged.
    • d123
    • By d123 4th Sep 17, 1:23 PM
    • 6,693 Posts
    • 4,268 Thanks
    d123
    Yes that is what happened. He tried to use my account to do transfers or something like that I wasnt given full information but the amount was £1300.
    Originally posted by Ahmsbelkz
    So how does a person do transfers with just your bank card in their possession?

    Did you write your online banking details like log in and password on the back of your card?
    ====
    • teddysmum
    • By teddysmum 4th Sep 17, 1:33 PM
    • 8,517 Posts
    • 5,046 Thanks
    teddysmum
    Good point, was early morning when I posted.

    Only way to have spent the monyey would be by contactless so alot of purchases with the limit low.
    Originally posted by DCFC79


    I assume there is a similar situation with all banks, but TSB told me that their system insist on a PIN number being given if 5 contactless payments are made in 24 hours. This would allow £150 maximum.
    • teddysmum
    • By teddysmum 4th Sep 17, 1:39 PM
    • 8,517 Posts
    • 5,046 Thanks
    teddysmum
    The 'fraudster' would be unable to use online banking because they wouldn't have the customer number and PIN. Cash machines would need a PIN.


    Any online sale would mean giving an address for delivery and online bill payment would be to a party already having details ,so that leaves withdrawing in person, but they wouldn't know the PIN and the bank would likely have sent out an alert about the account.
    • EachPenny
    • By EachPenny 4th Sep 17, 2:00 PM
    • 2,899 Posts
    • 5,252 Thanks
    EachPenny
    ...Days went on and they told me that it was for fraud and that someone had attempted to deposit £1300 into my account. Even though I had no clue of this happening I agreed and didnt mind that they closed the account until I had realized that I believe they put a blacklist on my name with all UK banks.
    Originally posted by Ahmsbelkz
    What was it that you agreed to? Was it that you knew the account had been used for some fraudulent purpose?

    Normally if someone has been an innocent party to an attempted fraud they would kick up a fuss there and then if the bank tried to close their account. If you 'agreed' and didn't ask them to open a new account for you it might look to the bank like you were accepting you were in some way involved in illegal activity.

    Also, are you sure the problem is with Nationwide if they are adamant it is not them? Have you checked all your other accounts/cards/loans etc to make sure nothing happened with any of them as well?

    There is something about this that doesn't really add up.
    "In the future, everyone will be rich for 15 minutes"
    • Jogle
    • By Jogle 4th Sep 17, 2:09 PM
    • 48 Posts
    • 31 Thanks
    Jogle
    How new was the Nationwide account?

    I don't know if Nationwide do it, but some banks give customers accounts before fully completing their checks. If they then find that you aren't the sort of customer that they would like, they then close it.

    Could it be that Nationwide closed the account after doing their checks and finding other things in your history (nothing to do with the lost card and deposited money) and that you can't get an account elsewhere is because fo the pre-existing history?
    • karlie88
    • By karlie88 5th Sep 17, 10:07 AM
    • 8,298 Posts
    • 106,011 Thanks
    karlie88
    @ OP. Get a pre-paid debit card from Pockit or Revolut. You'll also be given a sort-code and account number so that your wages can come in. Adding money to these cards may be tricky, especially if you haven't got an active debit card, but I think you can send money across via a text/SMS payment.

    Also listen to people's advice on here...get the report.
    Official MSE canny forumite and HUKD VIP badge member
    • Candyapple
    • By Candyapple 5th Sep 17, 5:45 PM
    • 2,480 Posts
    • 1,851 Thanks
    Candyapple
    Yes that is what happened. He tried to use my account to do transfers or something like that I wasnt given full information but the amount was £1300. That is my story and how else am a I going to report it other than what actually happened?! I was the victim but is the one viewed as the fraudulant by nationwide who flagged me and denied it. Im just worried I wont ever be able to get this flag removed...can anyone answer me, would cashplus be an alternative until this is sorted?
    Originally posted by Ahmsbelkz
    Yes cashplus is an alternative until you have sorted this.

    Have you paid the £10 fee and sent your form to CIFAS yet? They are usually quite quick to get back to you (within a week).
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
    • Ahmsbelkz
    • By Ahmsbelkz 6th Sep 17, 5:01 PM
    • 40 Posts
    • 3 Thanks
    Ahmsbelkz
    Thanks for your replies.

    It seems as if im just sinking in a whole thats getting deeper and deeper each day. I have requested and sent of the £10 to get any information held on me by CIFAS.

    The bad news is I got an unsuccessful application with cashplus to. Im very depressed and dont know what im going to do about work. If high street banks deny me and also pre paid what do I do honestly?
    • DCFC79
    • By DCFC79 6th Sep 17, 8:35 PM
    • 30,282 Posts
    • 19,157 Thanks
    DCFC79
    Thanks for your replies.

    It seems as if im just sinking in a whole thats getting deeper and deeper each day. I have requested and sent of the £10 to get any information held on me by CIFAS.

    The bad news is I got an unsuccessful application with cashplus to. Im very depressed and dont know what im going to do about work. If high street banks deny me and also pre paid what do I do honestly?
    Originally posted by Ahmsbelkz
    As been suggested have you applied for a Pockit or Revolut card ?
    Last edited by DCFC79; 06-09-2017 at 8:42 PM.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • Ahmsbelkz
    • By Ahmsbelkz 6th Sep 17, 9:08 PM
    • 40 Posts
    • 3 Thanks
    Ahmsbelkz
    I will try Pockit. Just seems fishy they do not need any ID to open your account or nothing. But if its an alternative where I can get my wages then so be it.

    Also, nationwide deny putting any markers against me even though this is the first time in my life that something happened with a bank.

    I will call every single bank tomorrow that ive ever been with and see if I can get a result. (Even though ive never had an issue until this nationwide situation)

    What is the purpose of CIFAS? Just to let you know if you have a marker? And arent banks the ones who place these markers and remove them? So what actually changes when you get the CIFAS SAR, is it a sort of key to allow banks to disclose information? Because nationwide have already disclosed information that they have not set a marker.
    • Ed-1
    • By Ed-1 6th Sep 17, 9:29 PM
    • 2,033 Posts
    • 1,094 Thanks
    Ed-1
    I will try Pockit. Just seems fishy they do not need any ID to open your account or nothing. But if its an alternative where I can get my wages then so be it.

    Also, nationwide deny putting any markers against me even though this is the first time in my life that something happened with a bank.

    I will call every single bank tomorrow that ive ever been with and see if I can get a result. (Even though ive never had an issue until this nationwide situation)

    What is the purpose of CIFAS? Just to let you know if you have a marker? And arent banks the ones who place these markers and remove them? So what actually changes when you get the CIFAS SAR, is it a sort of key to allow banks to disclose information? Because nationwide have already disclosed information that they have not set a marker.
    Originally posted by Ahmsbelkz
    The purpose of the CIFAS databases is to protect financial institutions and also customers from different types of fraud by warning them when the person they are dealing with has had a fraud committed against them or has committed a fraud themselves. That way they can be ultra cautious when they receive an application for a facility, making extra checks to avoid identity fraud or refusing the facility for someone that has committed fraud against another CIFAS member in the last 6 years due to a higher risk that they'll use that institution to commit fraud as well.

    Only CIFAS members can see CIFAS data and add data to the database. Members of the National Fraud Database are below:

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

    A subject access request (under the Data Protection Act) allows you to see if any information is held about you by a company and if so, to see that information.
    Last edited by Ed-1; 06-09-2017 at 9:42 PM.
    • Ahmsbelkz
    • By Ahmsbelkz 6th Sep 17, 9:33 PM
    • 40 Posts
    • 3 Thanks
    Ahmsbelkz
    But once I do a SAR, and find out who has a marker on me. I contact them and then they will just deny it or tell me they arent obliged to disclose this sort of information. So what do i do once i get the SAR from CIFAS, seems like I will just be going in circles.
    • EarthBoy
    • By EarthBoy 6th Sep 17, 9:37 PM
    • 1,759 Posts
    • 1,074 Thanks
    EarthBoy
    I will try Pockit. Just seems fishy they do not need any ID to open your account or nothing.
    Originally posted by Ahmsbelkz
    Pockit carry out an electronic ID check, i.e. they check the electoral register and other sources, such as credit reference agencies, but for ID purposes only, they don't do a credit check.

    If they can't confirm your identity they will still let you have a card, but the payment limits and facilities will be restricted.

    Pockit also carry out checks and share information with fraud prevention agencies.

    http://www.pockit.com/files/Current%20T&Cs%20-%20Pockit%20Card.pdf
    Last edited by EarthBoy; 06-09-2017 at 9:43 PM.
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