CIFAS Marker - Removal

katsuer

Basically, I was being paid for online business with a Fraudster which was completely unknown to me until my bank closed my account. When I raised a complaint with Lloyds, they instructed over the phone to change my story implicitly.

I now have an ongoing case with the financial ombudsman and have told them, I am just wanting to know if this will help on my end as Lloyds stated in my final response that they declined the complaint due to the story being changed multiple times and that is why I changed it as they told me to do so.

Let me know :money:

[Deleted User]

You'll need to await the FOS decision.

Exodi

If you have an ongoing case with the FOS, what do you expect from us.

Unrelated, "Basically, I was being paid for online business with a Fraudster which was completely unknown to me until my bank closed my account." is about as believable as my partner when she says she'll be ready in 5 minutes. That's not including the whole top secret Lloyds Illuminati telling you to change your story with them(?) which you did and then the scamlord underground Lloyds committee then said they're declining your complaint because you changed your story multiple (?) times.

People always have such extravagant and convoluted stories when they come to these forums asking how to remove a CIFAS marker.

fwor

A major problem that you're not likely to get around is the fact that all phone calls to the Lloyds banking fraud department are recorded - so if you are going to make an allegation that the person you spoke to persuaded you to change your story, you need to be sure that the recording (which the FOS will be able to request if they want) backs up that allegation.

I suspect that a more likely explanation is that the Lloyds representative pointed out that your initial story did not match the facts available to him/her, and that they invited you to explain your side in terms that did match the facts. That would not be the same as telling you to change your story.

katsuer

The customer support collegue definitely cited for me to change my story, he also stated "its unfair allowing you to go through with a story when i know it wont change the decision" and also stated "are you sure this is the story that you want to go through with?" around 6 or 7 times and also in an empithetical way of persuasion, he kept citing for me to change it in which i did and was made one of the main reasons the decision wasn't reviewed; due to change in story.

macman

Context: you were laundering money through your account for a percentage?

dealer_wins

Cat 6, and even if naive let it be a lesson. Normally cat 6 markers are by willing parties to fraud though 99/100 times!

Exodi

dealer_wins wrote: »

Cat 6, and even if naive let it be a lesson. Normally cat 6 markers are by willing parties to fraud though 99/100 times!

No no no, they weren't willing! They were unaware;

katsuer wrote: »

Basically, I was being paid for online business with a Fraudster which was completely unknown to me until my bank closed my account.

The OP was completely innocently being sent tons of money and their job was to send it to someone else, with a modest reimbursement of a few hundred pounds for the trouble - as you do. There was nothing involved that suggested any part may be illegal? Also depending on how you interpret this quote, you could read it as that they were unaware they were being paid (which is more comical and equally as believable as them being unaware they were committing fraud).

Would love to be a fly on the wall for the inevitable phone call from the Lloyds fraud department
"Hi, we've noticed you've been receiving and sending thousands of pounds to random accounts, could you expand on what this is for?"
"HAVE I? Hold on let me get up my internet banking, hold on...... SO I HAVE! Oh err, this is for my internet business?"
"What products or service to you sell?"
"Business ones?"

I'm sure one of the Cat 6 "HELP ME REMOVE CIFAS" thread posters may genuinely be innocent but I've seen farrrrr too many threads were it becomes apparent they were acting as a money mule in the end.

MEM62

katsuer wrote: »

The customer support collegue definitely cited for me to change my story, he also stated "its unfair allowing you to go through with a story when i know it wont change the decision" and also stated "are you sure this is the story that you want to go through with?" around 6 or 7 times and also in an empithetical way of persuasion, he kept citing for me to change it in which i did and was made one of the main reasons the decision wasn't reviewed; due to change in story.

At any point did you consider telling the truth? That will always match the facts.