Lloyds closed my accounts hard getting new one

Ed-1

gamerboy wrote: »

Does this mean they're going to reopen your account or just to take the fraud marker off your file?

Neither at the moment. OP still doesn't know if there is a CIFAS loading. Lloyds have simply confirmed receipt of the letter/documents.

themadhouse

No post today either :-(

themadhouse

Got a reply to my request to appeal the decline from Co-op. They have been the ONLY bank to basically confirm its an issue with CIFAS and another system being with S mentioned earlier in this thread (can't remember the name).

Looks like I will have to fight with Lloyds who no doubt have incorrectly placed it there.

Still waiting on CIFAS request, I don't know anything about the other database?

gunsandbanjos

themadhouse wrote: »

Got a reply to my request to appeal the decline from Co-op. They have been the ONLY bank to basically confirm its an issue with CIFAS and another system being with S mentioned earlier in this thread (can't remember the name).

Looks like I will have to fight with Lloyds who no doubt have incorrectly placed it there.

Still waiting on CIFAS request, I don't know anything about the other database?

Was the other system SIRA or Synectics? Not sure if Co-Op use SIRA.

Ed-1

themadhouse wrote: »

Got a reply to my request to appeal the decline from Co-op. They have been the ONLY bank to basically confirm its an issue with CIFAS and another system being with S mentioned earlier in this thread (can't remember the name).

Looks like I will have to fight with Lloyds who no doubt have incorrectly placed it there.

Still waiting on CIFAS request, I don't know anything about the other database?

Typical that the big banks leave their customers high and dry and it takes a supermarket to be open with their customers.

The crucial thing now is to determine through your Subject Access Requests exactly what CIFAS loading is on the database.

It will be Synectics Solutions as the other company mentioned. Their database which holds application data is called National SIRA; Co-op don't use the other (National Hunter). [Anyone in the know - Do Synectics have any other databases as I can't see how a post-application event could really be logged on SIRA. They could load an entry relating to the account and set the status to 'refer' but would that really make any difference?] I had multiple applications with LBG set to 'refer' which never seemed to hinder any other applications. On SIRA they can't register a reason for the status but the corresponding applications on National Hunter (LBG use both) stated the reason for the 'inconsistency' status with them was 'unrealistic level of apps from same address'.

Had you applied for any accounts with Lloyds/Halifax/BOS recently before the closure notice?

Ed-1

gunsandbanjos wrote: »

Not sure if Co-Op use SIRA.

They do but they don't use National Hunter.

gunsandbanjos

Ed-1 wrote: »

They do but they don't use National Hunter.

That's because SIRA contains hunter info too.

Ed-1

gunsandbanjos wrote: »

That's because SIRA contains hunter info too.

Does it? On a SAR I've had in the past, there have been application data on National Hunter that was not on SIRA. Why would LBG use both if data was available on one?

themadhouse

Just to confirm it was Synectics Solutions. I haven't the foggiest on how to try and demand it be removed. Also, it states online it COULD stay on my file for 6 years depending if they think I am acting untoward as an ongoing concern? If it were to stay on file for 12 months I would still write to get it removed but otherwise the time would fly by, otherwise 6 years I would really roll my sleeves up. How do I know how long it will stay on?

Many questions going on right now....

gunsandbanjos

CIFAS used to stay for 13 months but it is 6 years now.