First Party Fraud - Cifas

Femog

Hello Room,

I am in a big mess and would like an advise on how to move forward.

I happen to move to UK in 2011 to study and i opened some bank accounts then. I was a paying international student and because i needed help to complete my school fees, i applied to various loan companies not really knowing how things work in UK. I got different offers but there was this loan company called Leads Valley which i got a response from and we went through the process they told me and i was even asked to pay a £50 refundable registration fee which i paid before knowing it was a scam.

Some days after i had paid the money, A transaction came into my account and i was thinking it was the money from the loan company so i wanted to go withdraw it from the cash machine but my card was seized so i went into the bank to complain and i was asked where the money was from and i explained what had been doing but to my surprise,I was asked to come and collect my monies from the bank without the transaction i thought was from the loan company because my account was going to be closed without any reason given.

To cut the long story short, i didn't attach too much importance to what happened as i was new in the system and didn't know it will come back to hunt me. So i deposited my money into my other account which was a savings account and after some years, i wanted to upgrade to a current account but to my surprise the samething experienced some years back happened where i had to take my money out and the account closed.

Since then i have been trying to see what exactly is the problem and it was during this time i knew about credit file. I was asked to go check which i did and found nothing incriminating on it and after about a year of my account being closed, i went back to see if i can re-open it but still couldn't and one of the banks now told me to go check the fraud database and when i did, i was shocked to see that a first party fraud was recorded against me by Lloyds Bank Plc who where the bank that first closed my account due to what they suspect was a fraud.

My question now is, can i take this up with them as i know nothing about the transfer which i am being punished for now and putting a stamp against my name has really affected me ,it's limited my job prospects, i can't apply for any credit facility.
Also, i can provide correspondences between myself and the loan company with some other loan companies i applied to at the same time.

Kindly advise!

Thanks