Cifas need help 😢

Gaz83

Hussain1231 wrote: »

Oh ok the bank told that the fraud person tried to take money out but failed however managed to transfer a bit of the money through online banking and this was because in my card holder It included my bank card and others like school and bus, the pin and online banking details And various other details I always forget important information so I like to write it down but look how that turned out now

Yeah, there is no way in hell the bank are going to show any sympathy with you. You're explicitly told by banks not to do exactly what you've done.

An expensive lesson indeed. I'd advise you to contact your proposed University and ask them for advice. They might not want someone with a fraud marker studying law.

jonnygee2

What shall do now?����

1. Wait

2. Be completely honest with the bank and tell them everything, truthfully.

Money laundering is a crime. If you lie you are playing with fire. Getting a bank account will be the least of your worries if the police come knocking at your door. Any lies you have told could come back to haunt you big time.

maas

Hold on, you had your bank card, pin number, online username, password and memorable word all in you wallet, and then just lost it?

After having lost your wallet, your bank asked if a large sum of money was yours and you said "Yes"?

jonnygee2

Hold on, you had your bank card, pin number, online username, password and memorable word all in you wallet, and then just lost it?

Not only that, but the person who found them decided to then use them to transfer money into his account, before then transferring it back out again.

It's an extremely unfortunate series of events.

Hussain1231

I was stupid and naive to press yes to the money but all I care about is to get to university, I've been telling lots of my friends about this because it has made feel depressed and left my parents ashamed of me.
Then recently my friend texted me saying that they were texting with someone in the area who does money mule and wanted him to be apart of it, he said no and told me who is because of my situation.
There's 90% chance I found him and I want to report him but idk if it will remove my cifas marker

jonnygee2

There's 90% chance I found him and I want to report him but idk if it will remove my cifas marker

If you know about money laundering, you need to report this to the police now. It is illegal not to report this to the police.

I understand you are worried about what your parents will think. But there is no escaping the inevitable.

You are looking at, potentially, time in a prison if you continue to lie and hide from the truth. These are very serious things, not games. That said, if you have been used by someone, both the police and your parents may understand this more than you think they will. If you are honest to them.

maas

Hussain1231 wrote: »

I was stupid and naive to press yes to the money but all I care about is to get to university, I've been telling lots of my friends about this because it has made feel depressed and left my parents ashamed of me.
Then recently my friend texted me saying that they were texting with someone in the area who does money mule and wanted him to be apart of it, he said no and told me who is because of my situation.
There's 90% chance I found him and I want to report him but idk if it will remove my cifas marker

The problem here is that you told the bank that the fraudulent money was yours. Up until to that point, you could have presented yourself as a victim of fraud.

To the authorities, your bank account has been used to launder money and you have been complicit in it. I dont see that CIFAS marker being removed any time soon.

Pixie5740

All you can do is throw yourself at the mercy of the bank but after your catalogue of !!!! ups I wouldn't hold my breath. Which category of CIFAS marker have you got? Something like a category 0-4 where the person with the marker is a victim of identity theft or could be after a burglary shouldn't be too much of an issue. Categories 5 to 9 will be more problematic because they indicate you've done something, e,g, category 6 is for First Party Fraud.

You will probably be able to get on to a law course at university. The problem you might face is applying for membership with the Solicitor Regulation Authority where part of the application process is assessing your character which is where bankrupts fall down so I assume it will also be an issue for someone with a certain type of CIFAS marker. You will need SRA membership before embarking on the Legal Practice Course. I imagine there will be similar barrier if you opt for the barrister route rather than solicitor one.

The second issue you may face is obtaining a bank account anywhere and if you are hoping to receive a maintenance loan from Student Finance England (or whichever student finance body is applicable to you) then I think the money has to be paid into your own account.

[Deleted User]

Basic bank account at non-CIFAS members shouldn't be too hard to get (although some of them you need to pay a monthly fee for) - but no chance of getting a student overdraft with a 5-9 CIFAS marker

Report whoever you "think" it is to the police (ActionFraud?) and let them investigate.

Take reference number to the bank and explain all and hope they remove the CIFAS marker. If they liase with police and can see a genuine investigation ongoing (and getting somewhere - i.e. you haven't just named any old person to try and deflect away from you) they may take pity on you and remove it.

[Deleted User]

Once again it’s another fraud/CIFAS post where nothing quite adds up and seems right.

OP - you need to be honest about everything.

Once you go down the police/Action Fraud route and it turns out you’re lying in any way shape or form you will be worse off than just admitting to it from the off.