I got a cifas marker

csgohan4

Silast5 wrote: »

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.

How can giving a stranger your bank details the right thing to do? OP you need to stop being gullible if your real. Look after yourself, no one else will

lovinituk

It's all b0llox - nobody is this stupid in real life! Are they?!

The posting style actually sounds like another troll account.

StopIt

Silast5 wrote: »

I don't see how it's correct because I only breached the policies of the bank and the situation was out of my control the guy took control over the bank account so he could do anything with it.

I'm sure other have stated this here too but you cannot be this naïve/ignorant.


You gave your card and details to a 3rd party. That isn't a "breach of policy", that's fraud. Someone else was acting as you with your account. If you were aware of this, which surely you would have been, you're an accessory to the fraud.


You don't need to give your card to someone to transfer money into your account. So you gave your card to someone so they could transfer money through the account. That is money laundering.


A CIFAS marker is the least of your worries. Never, EVER give anyone your card* (See below), other than through power of attorney.

Arleen wrote: »

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.

Giving someone your card to pay for a round of drinks or whatever, while still not allowed isn't going to get you into bother.
You don't need to give someone your card to do a bank transfer to your account, so it clear that this person was wanting to use it for money laundering. If the OP is a troll, whoops but if they don't know the implications of what they've been doing, then they need to look up how this sort of thing works.

phillw

Arleen wrote: »

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.

If he tells the truth and it turns out that he's a victim then the marker might go. Trying to get rid of the marker is certainly not worth the risk in telling any lies whatsoever. The quicker he goes to the police and unburdens himself then the better he'll feel. If they don't have the guy who committed the fraud already, then securing his conviction will score a lot of points.

Arleen

phillw wrote: »

If he tells the truth and it turns out that he's a victim then the marker might go.

People who are an actual victim of such fraud go to the bank/police and explain exactly what happened, not make up stories. But he did make up a story and tried to sell it to the bank to clear his name/save money/whatever. Of course if by some luck they will catch someone better than a casual mule due to OP cooperation then miracles can happen.

s516224

The person I gave the card to was my mate at school and it has been reported to the police I got a crime reference number I have also kept evidence of text messages and emails.

s516224

Sir I didn't make up any story I went to the police the person that I gave my bank details to was a guy I thought was my mate which was a very stupid decision I made from the way we got along it was very hard to believe that he actually did fraud with my account at that time. Now it's reported to the police and its under investigation. The guy has also been excluded from college.

Arleen

Silast5 wrote: »

Sir I didn't make up any story I went to the police the person that I gave my bank details to was a guy I thought was my mate which was a very stupid decision I made from the way we got along it was very hard to believe that he actually did fraud with my account at that time. Now it's reported to the police and its under investigation. The guy has also been excluded from college.

Good for you for finally doing the right thing. While you will have to live with the marker for next six years, it's part of the lesson. And now you don't have to worry about police coming after you, as would happen when police would inevitably catch your "friend" for something else.

If you want you could put a note on your credit report explaining that you were a victim of such fraud. It won't help much, but it may help some. Check out the details on experian: http://www.experian.co.uk/consumer/faq/AR5.html

You can also now try to approach your bank with the case number from coppers; maybe they will show mercy. Good time to go on your knees and begging for it. Be 100% honest, explain why you lied about "lost card" etc.ommit, omit anything. The truth and sincerity can do wonders in such cases, especially as they know this story all too well.

s516224

Sir just a quick question if my innocence have been proven by the police can cifas do anything? Also would banks really consider notice of correction?

Arleen

Silast5 wrote: »

Sir just a quick question if my innocence have been proven by the police can cifas do anything? Also would banks really consider notice of correction?

You are not innocent as you commited fraud at the very least when you lied to the bank when reporting card as lost. Get that into your head, as without understanding that there is no point for you to even talk with the bank. I'm not kidding, if you do not understand what wrong you did, you won't be sincere and if you are not, there is zero chance that you will get the cifas removed.

Maybe reread this topic from start to end multiple times, carefully.