Lloyds closed my accounts hard getting new one

gunsandbanjos

themadhouse wrote: »

Yes - it came from a compromise agreement from my employer (the £25k) the £7k came from my partner and the £4k for selling a vehicle would be harder I guess as it was cash.......

Based on this information is it unlikely I have a CIFAS marker? Nationwide opened an account (then closed it) would it have got that far if I had a marker?

Natwest say application has been referred again would it have gone that far?

Thanks

Yes your application would have got that far even with a marker. As I said credit and fraud checks are generally done separately, so you sound like you've passed the initial credit check then failed the fraud one.

chanz4

Write a complaint, provide the proof, eg letter from employer, dvla sold form confirmation and copy of partners bank.


Also show proof of purchase on car, see it they will over turn

themadhouse

But it's impossible to tell if it's a referral marker or the cat 6 serious one?

gunsandbanjos

themadhouse wrote: »

But it's impossible to tell if it's a referral marker or the cat 6 serious one?

That's why you need to do a SAR with CIFAS.

themadhouse

I will wait for all current applications to be processed before sending it off. If all decline I will assume it's a cat 6. Can I challenge it if so how if I don't know what specifically is considered the issue here?

If an account is opened how can I be sure it won't close again?

colsten

themadhouse wrote: »

If all decline I will assume it's a cat 6.

Why assume anything when a tenner will provide you with facts?

themadhouse

I totally agree. I will be sending off the form. My query is how I contest it?

Ed-1

themadhouse wrote: »

I totally agree. I will be sending off the form. My query is how I contest it?

In my friend's experience (who was the one who got the letter I posted) they wouldn't allow him to contest it - they said they're sticking with their decision. They didn't like the activity on the account (it was basically the same amount going in and out every day to bank interest twice on the same money - i.e. gaming). It makes you wonder whether they know that that is possible in the banking industry - shocking really if they don't. Equally shocking to try and label it suspected fraud - either their APAF team are inexperienced or completely inept or knew what he was doing, and hid behind fraud to put a stop to it.

colsten

themadhouse wrote: »

I totally agree. I will be sending off the form. My query is how I contest it?

Google is your friend. E.g. https://www.cifas.org.uk/dispute_a_warning_can_I_get_it_amended_removed

[Deleted User]

Ed-1 wrote: »

In my friend's experience (who was the one who got the letter I posted) they wouldn't allow him to contest it - they said they're sticking with their decision. They didn't like the activity on the account (it was basically the same amount going in and out every day to bank interest twice on the same money - i.e. gaming). It makes you wonder whether they know that that is possible in the banking industry - shocking really if they don't. Equally shocking to try and label it suspected fraud - either their APAF team are inexperienced or completely inept or knew what he was doing, and hid behind fraud to put a stop to it.

The double interest was used as a reason to close for 'fraud'!? I guess it depends on the amount but still awful. Not like you could do it with 100k?!. Always happens on my account though - hardly the customer's fault!