I got a cifas marker

s516224

I will go to the police

Hasbeen

Silast5 wrote: »

I know I didn't report to the police because the guy was still telling me to wait. I get he took advantage of me. We was still talking at school like friends so I couldn't just phone the police I still thought that he was still depositing the money.

Have you told your parents about this yet? It would be better to speak to them and get advice.

forgotmyname

If the OPs not busy next Thursday afternoon me and some mates have a job to do at the bank. But my car has a habit of not starting when its warm, so ideally we need to keep the engine running whilst we work.

I can pay you to sit outside in my car and keep the engine running. Let me know if your interested.

Nice bundle of used notes in it for you if your interested

Thrugelmir

Silast5 wrote: »

I will go to the police

A good way of starting to repair the damage to your reputation.

Fuzzy_Pear

Silast5 wrote: »

I'm innocent of any fraud so how can I get this removed

You gave your bank card and details to someone else, and you think you are innocent of fraud? *laughs* :rotfl:

s516224

I gave it because he told me he was depositing from his savers card. I take full responsibility for my actions I'm trying to say that giving my details was the right thing I know it was a stupid decision but he lied to me.

Pound

I'm really confused.

For someone to deposit money into my bank account they only needed my sort code and account number, why would you give them your bank card?

What is a 'savers card'?

What exactly did this person do with your account or card?

Lumanous

Silast5 wrote: »

I will go to the police

I hope you stick to this BUT stick to the facts. You have shown you don't want to share details/explain the full/honest situation here - fine, but don't mess around when it comes to the police and your bank. Bite the bullet, tell the truth and stick to the facts.

Trust the people here when we say you do not understand the definition of fraud. It is a much wider and much broader beast than you think. Stick to the facts. Learn from it later.

Also proven you don't yet know how bank accounts/bank deposits work. Admit the facts and don't try to talk your way out of it as just makes you look guilty of trying to manipulate systems. You are responsible for your own funds, always. If you are guilty, you failed, admit it, learn from it, move on and fix your future.

Stick to the facts and be fully open and honest with them. No games now, unless you want to layout a long dangerous downhill path for yourself.

Learn from it.

David555

The problem is you willingly gave him your card which is a massive no no. Never ever give your card to somebody else. What happens on your card is your responsibility I'm afraid.

Just like if you owned a car and you gave the keys to somebody who didn't have a license to drive and they crashed, you'd be responsible as its your car and you willingly lent that person your car. The insurance companies won't pay out and the police will hold you responsible for giving him your car.

Report it to the police, maybe if they arrest the other guy and he admits to what he's done confirming you weren't involved with any fraud that happened on your accounts there's a slim chance you may get the marker removed but I wouldn't hold my hopes especially with all the Tory cuts to the police services.

Chances are this will be a expensive and important life lesson. In your terms and conditions it will say somewhere that you should never give your card to somebody else and that you will be breaching the terms and conditions if you do so. However not only you've breached the terms and conditions, fraud has been committed on your account hence why you've got the marker. Even though you personally didn't commit the fraud, you allowed it to happen by handing over your card.

Arleen

David555 wrote: »

The problem is you willingly gave him your card which is a massive no no. Never ever give your card to somebody else. What happens on your card is your responsibility I'm afraid.

That isn't the worst part, people do that all the time, and even if you admit it to the bank that you let your friend use it, they will only wag a finger at you and chuckle it out.

What OP did afterward when reporting the card as lost he committed a fraud of his own, and he did so for financial gains, no matter how much he will deny it. He knew from the start that this wasn't an honest transaction, and pleading ignorance won't help because if that were the case, then he wouldn't have fraudulently reported the card as lost.

Just to explain the game a bit more, that is the story people are taught when recruited into this fraud. You are told to hand them your bank account (usually opening it beforehand, as they often target people without one), and when police/bank knocks claim not to have known about anything and that your card was stolen, etc. Of course, it never works because it's a lie, but people blinded by quick money usually turn their brains off.

Luckily for the op, the guy above him on the ladder (it is not the ring leader) is an absolute imbecile and recruited someone who knows him instead of a stranger. But then most criminals are imbeciles which is why they go to jail.

The marker is almost certainly going to stay, he did provide fraudulent information to the bank, but the sooner he goes to the police and explains it, the lesser it is that CPS will charge him with anything.