CIFAS mark category 6 2019

Wintertalks3453 · 27 March 2019 at 6:09PM

Hi, recently I discovered that my bank had issued a cat6 marker on 30/10/2018 a month after when I closed my current account on 20/09/2018. i was put down for a CIFAS misuse warning and I believe it is unwarranted.

I had researched my statements to mark out any odd patterns, between 20/08/2018 to 05/09/2018 and I agree there are a lot of transactions of transfer but I believe the account they recorded as the destination account was my friend’s. From 20/08/2018 I was helping a friend who was in financial problems himself quite regularly through transferring my own money which was mine since I was employed during this period. But my friend wouldn’t repay and was pressurising me to pay him further when I couldn’t afford to. My parents got involved and suggested that I closed my account and depend on them because I was young at the time and was being used quite early in my 17 with my own income.

Around 01/09 I became a victim to crime; my bank card and pin were snatched as I was threatened by unknown males. Transactions from international started coming in days after and the police alongside the bank were notified as I was receiving threats to not inform anyone.

When the police had been notified and the bank was informed, they had placed a block on my account on 05/09 to prevent any transactions and blocked my cards. When I spoke to the bank and a crime charity adviser in detail about the matter, they were ok with me closing my account around the 20/09/2018. But the bank then recorded me on Cifas on 01/11/2018 and never informed me once. I have tried for a bank account elsewhere but was rejected for a student account and now I’m worried about my career in banking.

jonnygee2 · 27 March 2019 at 7:25PM

You have a category 6 marker, that's for first party fraud.

Sending money to a friend is not first party fraud. Your account really makes no sense, sorry, but it is quite clear you are hiding a lot of details.

As a result many transactions were made and I can see this clearly and because my parents discovered this and the fact that my friend was not willing to repay any time soon, they had told me to close my account and place my money away in their account for security purposes

Why not just stop sending him money? Why did money need to be moved 'for security purposes'?

Following this I became a victim to crime in September where two males approached me and threatened me for my card. Having got anxiety and I'm quite an introvert, I couldn't stop them and when it came to reporting it, I reported it to the police a few days later

What's this got to do with the bank? Did you tell the bank about it? Why?

Around the 22nd September, I requested finally for my account to be officially closed due to concerns that more money could be cashed in from unknown sources

What do you mean more money from unknown sources? At what point did you get any money at all from unknown sources? What did you do with this money?

I think if you wanted any help at all, you would need to rewrite the post with details of what actually happened. However, it sounds incredibly likely that would implicate you in criminal activity, so it isn't really recommended.