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  • FIRST POST
    • Ahmsbelkz
    • By Ahmsbelkz 6th Sep 17, 5:07 PM
    • 40Posts
    • 3Thanks
    Ahmsbelkz
    Declined everywhere I go
    • #1
    • 6th Sep 17, 5:07 PM
    Declined everywhere I go 6th Sep 17 at 5:07 PM
    Hi guys, I am severly depressed as I cannot get a frickin bank account anywhere. I was a victim of fraud which took place on my bank account a year ago and now I feel like im drowning in a dark hole.

    I am working on getting my name removed from CIFAS but it just seems a very long and stubborn proccess.

    Every high street bank dont allow me to even open the simplest of accounts. And the bad news is I tried to open a cashplus prepaid account just to get my wages sent in and even they denied me. I am depressed and frustrated and feel like I have no meaning anymore.

    What do I do?
Page 1
    • EachPenny
    • By EachPenny 6th Sep 17, 5:18 PM
    • 2,957 Posts
    • 5,407 Thanks
    EachPenny
    • #2
    • 6th Sep 17, 5:18 PM
    • #2
    • 6th Sep 17, 5:18 PM
    What do I do?
    Originally posted by Ahmsbelkz
    Follow the advice given to you on the other thread you started. You need to get to the bottom of what this 'fraud' is. If you are a pure victim then you shouldn't be treated the way you have been.
    "In the future, everyone will be rich for 15 minutes"
    • JuicyJesus
    • By JuicyJesus 6th Sep 17, 5:19 PM
    • 3,043 Posts
    • 3,156 Thanks
    JuicyJesus
    • #3
    • 6th Sep 17, 5:19 PM
    • #3
    • 6th Sep 17, 5:19 PM
    If you have a CIFAS loading I'm not sure how you were the "victim" of fraud - if you were the victim, you wouldn't have issues opening an account, just maybe some delays while the bank does some further checks.

    What are the actual circumstances surrounding this?
    urs sinserly,
    ~~joosy jeezus~~
    • Robin9
    • By Robin9 6th Sep 17, 5:20 PM
    • 1,867 Posts
    • 1,217 Thanks
    Robin9
    • #4
    • 6th Sep 17, 5:20 PM
    • #4
    • 6th Sep 17, 5:20 PM
    Further to your earlier post - you should really have dug your heels in when you allowed (as per your other thread) Nationwide to close your account for a "fraud" that was nothing to do with you.
    Never pay on an estimated bill
    • Ed-1
    • By Ed-1 6th Sep 17, 5:22 PM
    • 2,036 Posts
    • 1,096 Thanks
    Ed-1
    • #5
    • 6th Sep 17, 5:22 PM
    • #5
    • 6th Sep 17, 5:22 PM
    If you have a CIFAS loading I'm not sure how you were the "victim" of fraud - if you were the victim, you wouldn't have issues opening an account, just maybe some delays while the bank does some further checks.

    What are the actual circumstances surrounding this?
    Originally posted by JuicyJesus
    It seems if there is fraud on an account, banks will automatically register a category 6 first party fraud loading with CIFAS regardless.

    It's then up to the customer to complain and get them to overturn the decision to a victim of fraud category.
    • Ahmsbelkz
    • By Ahmsbelkz 6th Sep 17, 5:23 PM
    • 40 Posts
    • 3 Thanks
    Ahmsbelkz
    • #6
    • 6th Sep 17, 5:23 PM
    • #6
    • 6th Sep 17, 5:23 PM
    I followed up and I am waiting on the report.

    The situation is I was a victim of it but the bank (nationwide) doesnt know that. So for that reason I have a flag on my name and get declined everywhere. Someone tried to commit a fraudlent act on my account with some transfer bs or such. But they thought it was me. I am only 20 and feel like my life has ended, i cant even get paid from work, sometimes i feel like i dont want to wake up anymore.
    • Ahmsbelkz
    • By Ahmsbelkz 6th Sep 17, 5:24 PM
    • 40 Posts
    • 3 Thanks
    Ahmsbelkz
    • #7
    • 6th Sep 17, 5:24 PM
    • #7
    • 6th Sep 17, 5:24 PM
    I am waiting on the report. Even when I complain to CIFAS and get it over turned they dont even have a phone number! I have to email them and wait a week for a reply. I feel hopeless.
    • Ahmsbelkz
    • By Ahmsbelkz 6th Sep 17, 5:36 PM
    • 40 Posts
    • 3 Thanks
    Ahmsbelkz
    • #8
    • 6th Sep 17, 5:36 PM
    • #8
    • 6th Sep 17, 5:36 PM
    Another thing is that I have no way of getting money electronically. What do i do????
    • eskbanker
    • By eskbanker 6th Sep 17, 5:40 PM
    • 5,818 Posts
    • 5,711 Thanks
    eskbanker
    • #9
    • 6th Sep 17, 5:40 PM
    • #9
    • 6th Sep 17, 5:40 PM
    I am severly depressed

    [...]

    I feel like im drowning in a dark hole.

    [...]

    I am depressed and frustrated and feel like I have no meaning anymore.
    Originally posted by Ahmsbelkz
    I am only 20 and feel like my life has ended, i cant even get paid from work, sometimes i feel like i dont want to wake up anymore.
    Originally posted by Ahmsbelkz
    I feel hopeless.
    Originally posted by Ahmsbelkz
    By now you should understand that this is a finance-oriented website that's geared up to guidance and recommendations about what to do with money, etc, but when all is said and done it's just a bunch of (mostly!) well-meaning but completely anonymous random strangers on the internet.

    You need to talk to real-life family, friends, colleagues, maybe even doctor or employer or other social-type agencies about your emotional feelings if you're genuinely in as bad a place as your posts suggest, since if you are then you need way more support than this place can offer....
    • Ahmsbelkz
    • By Ahmsbelkz 6th Sep 17, 5:41 PM
    • 40 Posts
    • 3 Thanks
    Ahmsbelkz
    How do i get paid....

    How do i pay my bills...

    Direct debit.....

    Car insurance.....

    Im so screwed its unreal. CIFAS Havent replied to me and its been 4 fricking days. What kind of proccess is this.....
    • Ed-1
    • By Ed-1 6th Sep 17, 5:46 PM
    • 2,036 Posts
    • 1,096 Thanks
    Ed-1
    How do i get paid....

    How do i pay my bills...

    Direct debit.....

    Car insurance.....

    Im so screwed its unreal. CIFAS Havent replied to me and its been 4 fricking days. What kind of proccess is this.....
    Originally posted by Ahmsbelkz
    You need to calm down, see what the CIFAS SAR has on it when you receive it through the post and then follow the process of complaining with Nationwide. When did you send off for it? You should get a response within a few working days although technically they have 40 days to respond.

    If you are genuinely innocent, the CIFAS loading will be corrected/removed. It's just a matter of time and patience (and possibly compensation too...).

    Once you're armed with the CIFAS information you've pinpointed the problem and can then kick up a fuss with Nationwide.
    • Ahmsbelkz
    • By Ahmsbelkz 6th Sep 17, 6:17 PM
    • 40 Posts
    • 3 Thanks
    Ahmsbelkz
    If i was considered innocent to them they wouldnt have put the marker up in the first place. The truth is i am innocent its just a matter of struggle until I can solve this issue.

    People have spent 40 years on jail for crimes they did not commit, remember that.
    • Ahmsbelkz
    • By Ahmsbelkz 6th Sep 17, 6:19 PM
    • 40 Posts
    • 3 Thanks
    Ahmsbelkz
    I have complained to nationwide time and time again, they just keep sending me to CIFAS like every other bank that declines me. So if I cannot get the CIFAS marker removed what then?

    Can you please assist me in a alternative to get paid by work?

    High street banks all deny me. And cashplus the prepaid system also deny me. Im literally stuck with no return.
    • Ed-1
    • By Ed-1 6th Sep 17, 6:36 PM
    • 2,036 Posts
    • 1,096 Thanks
    Ed-1
    If i was considered innocent to them they wouldnt have put the marker up in the first place. The truth is i am innocent its just a matter of struggle until I can solve this issue.

    People have spent 40 years on jail for crimes they did not commit, remember that.
    Originally posted by Ahmsbelkz
    Banks make mistakes. They're not perfect. To them at the moment it looks as though it appears there has been first party fraud on the account and as such they've probably (you can't confirm it until you get the CIFAS info back) registered your details against the first party fraud CIFAS category. What you will need to do if that's the case is demonstrate to Nationwide that it wasn't first party fraud, but third party fraud and that you're the victim of it.

    Put it this way: you're not going to jail.
    • Ed-1
    • By Ed-1 6th Sep 17, 6:40 PM
    • 2,036 Posts
    • 1,096 Thanks
    Ed-1
    I have complained to nationwide time and time again, they just keep sending me to CIFAS like every other bank that declines me. So if I cannot get the CIFAS marker removed what then?

    Can you please assist me in a alternative to get paid by work?

    High street banks all deny me. And cashplus the prepaid system also deny me. Im literally stuck with no return.
    Originally posted by Ahmsbelkz
    You will need to formally complain (that is, tell Nationwide you want to start a complaint and set out to them exactly what it is you're complaining about, why they're at fault and what you want them to do about it).

    That will go something along these lines:

    Tell the story of what happened in your view based on the sequence of events and what you know.

    If CIFAS comes back as first party fraud, it will have an explanation logged as to the circumstances of the case. You can then say that the circumstances are not as Nationwide believe them to be, and as such you are demanding they overturn the decision to register your details with CIFAS against that category.

    Nationwide will then investigate and once they've issued a final response if they still refuse to remove the CIFAS info then you'll need to go to the Financial Ombudsman and register the same complaint with them.
    • Shakin Steve
    • By Shakin Steve 6th Sep 17, 7:08 PM
    • 1,067 Posts
    • 779 Thanks
    Shakin Steve
    I have complained to nationwide time and time again, they just keep sending me to CIFAS like every other bank that declines me. So if I cannot get the CIFAS marker removed what then?

    Can you please assist me in a alternative to get paid by work?

    High street banks all deny me. And cashplus the prepaid system also deny me. Im literally stuck with no return.
    Originally posted by Ahmsbelkz
    Can you not use a relative's account to have your wages paid into?
    I came into this world with nothing and I've got most of it left.
    • EachPenny
    • By EachPenny 6th Sep 17, 7:11 PM
    • 2,957 Posts
    • 5,407 Thanks
    EachPenny
    You will need to formally complain...

    ...then you'll need to go to the Financial Ombudsman and register the same complaint with them.
    Originally posted by Ed-1
    But to save yourself a lot of hassle, it is only worth doing this if:
    1) You are genuinely a victim of a fraud
    2) It is Nationwide that have made the mistake.

    Your other thread explains that you have contacted Nationwide and they say the CIFAS marker has nothing to do with them. That might also be a mistake, but you won't know until you get the SAR.

    The other issue is that - based on the information you've provided - it is difficult to see how you could be a victim of fraud. You may well be the victim of an error, but there is no logical way a fraudster could benefit from (attempting?) to pay £1300 into your account with no ability to get the money back out - unless it was going to be done with your co-operation.

    So even if you truly are entirely innocent, then you will still need to convince Nationwide that is the case - which will not be easy, especially since you've apparently 'agreed' when they said they were going to close the account due to suspected fraudulent activity.
    "In the future, everyone will be rich for 15 minutes"
    • Ahmsbelkz
    • By Ahmsbelkz 6th Sep 17, 7:21 PM
    • 40 Posts
    • 3 Thanks
    Ahmsbelkz
    1) Nationwide deny placing any marker despite the fact they closed my account for fraud

    2) i am the victim as fraudelent transfers occured when I lost my card. All you need is my account and sort code for that however I am not sure what type of fraud it was exactly as nationwide didn't fo in detail.

    3) I am waiting on my report from CIFAS.

    4) I am highly lost as I dont know how to receieve my wages. High street banks deny me as do prepaid cards.
    • worried jim
    • By worried jim 6th Sep 17, 7:27 PM
    • 8,698 Posts
    • 13,276 Thanks
    worried jim
    Can you not use a relative's account to have your wages paid into?
    Originally posted by Shakin Steve
    Do not! They risk losing their account. If their bank sees a third party salary being paid in it will be closed and they too will find it hard to get another bank account.

    All banks will have this in their terms and conditions when you open an account.
    "Only two things are infinite-the universe and human stupidity, and I'm not so sure about the universe"
    Albert Einstein
    • camelot1971
    • By camelot1971 6th Sep 17, 7:44 PM
    • 498 Posts
    • 768 Thanks
    camelot1971
    1) Nationwide deny placing any marker despite the fact they closed my account for fraud They could have closed your account after noting the marker on CIFAS. They may very well have not put the marker there themselves

    2) i am the victim as fraudelent transfers occured when I lost my card. All you need is my account and sort code for that however I am not sure what type of fraud it was exactly as nationwide didn't fo in detail.If the proceeds of fraud get paid into your account, it will look like you are a money mule. Why would someone pay money into your account unless they could remove it too? I work in the financial crime space and see so many cases where naive and ignorant people let their accounts be used by a fraudster.

    3) I am waiting on my report from CIFAS.

    4) I am highly lost as I dont know how to receieve my wages. High street banks deny me as do prepaid cards.
    Originally posted by Ahmsbelkz
    Unfortunately, you don't have a right to an account, regardless of potential fraud.
    If a pre-paid card company won't on-board you, there is a lot more to this case than you are telling us
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