HELP: CIFAS Marker Category 6 Misuse of Facility

HibertyLand

As I've stated before, you should be speaking to a solicitor, not wasting time writing and complaining yourself. £100 is an insult and pretty basic level of compensation given that your other accounts elsewhere have been closed due to their mistake, especially given that Santander may not choose to re-open them - meaning loss of interest (I'm assuming with your levels of savings you had a 123 account?) due to the CIFAS warning closing your account and future losses also. A solicitor will be able to get you much better level of compensation because this isn't just a small error.

I will go down this route, but at least for now the CIFAS marker has been taken off. This means I can live and open an account to pay solicitors.

Kim_13

Candyapple wrote: »

As I've stated before, you should be speaking to a solicitor, not wasting time writing and complaining yourself. £100 is an insult and pretty basic level of compensation given that your other accounts elsewhere have been closed due to their mistake, especially given that Santander may not choose to re-open them - meaning loss of interest (I'm assuming with your levels of savings you had a 123 account?) due to the CIFAS warning closing your account and future losses also. Not to mention time wasted on calls, letters, going to the branch and being humiliated to withdraw your money/treated like a criminal etc. Also, the CIFAS marker was placed on BOTH your names so you should be receiving a high award. A solicitor will be able to get you much better level of compensation because this isn't just a small error.

This. OP, did you also have the 123 Credit Card? In this case, losses will be even greater. A pre September 2015 (if I recall the date correctly) only had a limit on the cashback that could be incurred on travel spends. The new one, which I presume they'd give if you re-opened (unless banks have a simple way to re-open an account recently closed due to error, which I doubt) has a limit in all three sections, so hardly worth the fee any longer.

Due to credit searches (Lloyds, Halifax and potentially more when re-opening, if you have to apply as a new customer), you may not be able to get all of your accounts back in the near future.

gunsandbanjos

CIFAS markers are not system generated, it requires human input.

LXdaddy

From the circumstances you have described, £100 each to cover the distress is not what I would accept.

xylophone

Since the CIFAS marker, my wife and I have grounded in into a financial halt. We are unable to open a bank account anywhere, manage our money, insure our home, insure our car which I need for work, receive child benefits for my 3 year old and even maintain a simple mobile phone contract. All our current bank accounts elsewhere have been closed. Once the marker is on your name, it is virtually impossible to get a tangible financial service of any kind! We are unable to do any of the above due to the rash and inconsiderate behaviour of Lloyds. I have asked time and time again (via phone calls) for Lloyds to provide information on the alleged fraud which took place on the 7th April, but Lloyds have not answered. I truly believe that Lloyds have acted in the wrong and that the CIFAS marker placed on both our names is unwarranted.

For this level of inconvenience and distress I'm not sure that what they have offered is enough - you might wish to consider a formal complaint to the banking ombudsman?

Benj25205

Hello I am in sort of the same situation and would like to write to the lloyds CEO also
Can I ask where you found the contact details as i can only find customer service .
Thanks

yoshiyella

Benj25205 wrote: »

Hello I am in sort of the same situation and would like to write to the lloyds CEO also
Can I ask where you found the contact details as i can only find customer service .
Thanks

Google Lloyds CEO email and voila!

Or for simplicity: [EMAIL="!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!"]antonio.osorio [/EMAIL]
[EMAIL="!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!"]@[/EMAIL][EMAIL="!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!"]lloydsbanking.com[/EMAIL]

SurfKing

xylophone wrote: »

I have never received a card and pin number in the same post

When I recently opened a Club Lloyds account, I received my PIN and my card on the same day. Same with my recently opened TSB Platinum card.