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Barclaycard - CIFAS entry

2

Comments

  • Somerset
    Somerset Posts: 3,636 Forumite
    Part of the Furniture Combo Breaker
    Sounds like the Barclaycard application was declined back in 06/12 and the cifas marker applied immediately (the OP thinks) because of employment discrepancies. But only came to light now.


    Don't think he ever had an active Barclaycard.
  • davidh30
    davidh30 Posts: 14 Forumite
    Somerset wrote: »
    Sounds like the Barclaycard application was declined back in 06/12 and the cifas marker applied immediately (the OP thinks) because of employment discrepancies. But only came to light now.


    Don't think he ever had an active Barclaycard.

    That's exactly it. The Barclaycard was cancelled by them the following day by phone call, but they wouldn't tell me the reason why. Didn't know a CIFAS marker was placed.

    Does anyone have an indication as to how long Barclaycard take to respond to formal complaints?
  • MK55
    MK55 Posts: 286 Forumite
    tweet them, they're customer service on twitter is pretty spot on
  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    How would Barclaycard know that OP's job was about to end - something not right here?
  • Somerset
    Somerset Posts: 3,636 Forumite
    Part of the Furniture Combo Breaker
    edited 28 April 2015 at 10:28PM
    jonesMUFCforever wrote: »
    How would Barclaycard know that OP's job was about to end - something not right here?


    That's his guess but who knows. Only known facts :
    - Application for card - declined.
    - Cifas applied
    - OP unaware
    - OP works in financial services and current job applied for jeopardised.

    So how does he proceed ? Given Barclaycard acknowledge they placed the cifas marker, do they have to explain the grounds, do they have to remove it if the (currently unknown) grounds can be proven to be incorrect, or are they untouchable ?

    Edit : To the OP did the SAR response from Barclaycard indicate the 'why' or just acknowledge their placing of the cifas marker ?
  • davidh30
    davidh30 Posts: 14 Forumite
    jonesMUFCforever wrote: »
    How would Barclaycard know that OP's job was about to end - something not right here?

    I'm only assuming that is the reason why they placed the CIFAS marker, as they've listed on my SAR "False Employment" despite being employed.
  • davidh30
    davidh30 Posts: 14 Forumite
    Somerset wrote: »

    So how does he proceed ? Given Barclaycard acknowledge they placed the cifas marker, do they have to explain the grounds, do they have to remove it if the (currently unknown) grounds can be proven to be incorrect, or are they untouchable ?

    Edit : To the OP did the SAR response from Barclaycard indicate the 'why' or just acknowledge their placing of the cifas marker ?

    The SAR response states "False Employment". I have the payslip to prove I was in employment that month, so I have sent a copy to them along with my formal complaint letter. Not sure what else to do
  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    davidh30 wrote: »
    The SAR response states "False Employment". I have the payslip to prove I was in employment that month, so I have sent a copy to them along with my formal complaint letter. Not sure what else to do

    .......But you knew that you were under notice.
  • davidh30
    davidh30 Posts: 14 Forumite
    jonesMUFCforever wrote: »
    .......But you knew that you were under notice.

    Agreed, but all the facts were correct at the time of applying.
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    davidh30 wrote: »
    Agreed, but all the facts were correct at the time of applying.

    Not as simple as that. As you were aware of a material change in circumstances at the time of the application. Technically you were attempting to deceive. Did you read the declaration next to where you signed the application form?
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