CIFAS help

jonesMUFCforever

It might be just me, but I would have thought Santander would have written to the OP with the decision to close the account rather than ring him?

boo_star

jonesMUFCforever wrote: »

It might be just me, but I would have thought Santander would have written to the OP with the decision to close the account rather than ring him?

I agree, highly unusual.

ryan92

I did also receive a letter stating the accounts would be closed in 30 days and that a block was in place to prevent further transactions.

Ed-1

ryan92 wrote: »

I did also receive a letter stating the accounts would be closed in 30 days and that a block was in place to prevent further transactions.

Can you post this letter?

ryan92

The letter is headed ;


We're withdrawing your banking facilities

Your account has been referred to our investigation team for further review. We use different sources of information to help protect our customers from fraud and a number of factors are taken into account when deciding the outcome of our investigation. Following a review of the information, we've decided to withdraw your banking facilities with immediate effect. This means a block will remain on your account until they're closed. Your accounts will be closed in 30 days.

Caz3121

is this account the same one as here? - https://forums.moneysavingexpert.com/discussion/5542267/santander-issues

ryan92

If it’s relevant then yes.
That initially was blocked as I was in the middle of changing my name by deed poll. The electoral roll hadn’t updated by that point.

ryan92

Update :
Thought i'd keep the thread updated as things progress.
I still haven't received any information from CIFAS regarding my DSAR however they acknowledged they received my documents on the 23rd September.


Santander have confirmed they closed the accounts due to a 'business decision', so it now appears this is not as a result of any CIFAS marker etc ; at least that was what I had taken from the letter I received in regards to the complaint I made to them.


All my other accounts are still operating as expected.


I will keep you all updated on the progress of this and thank everyone who's commented on here so far ; it's appreciated.

ryan92

Update 8/1
I received my CIFAS record back today and there is absolutely nothing on thereas I expected.
Just thought I'd keep you all up to date

ryan92

Update 10/12


I just thought I'd update the thread with an overall wider picture as to what I now believe has happened and what has trigged the above.


My sister (who lives at the same address as myself) attempted to open up an Aqua Credit Card at the beginning of September. The application had been initally placed as pending due to the belief her details had been used 'fraudulently'. The first letter she had received was on the 22nd October stating that after an investigation, she wasn't liable and they placed a CIFAS victim of impersonation record on her file. She immediately phoned them to confirm it was herself who made this application, to which they removed this from her file.


Since my last post on the 8th October and the 22nd October, I attempted to use my Aqua Credit Card to be told it was closed on September 18th and a letter had been sent (I never received any letter). This date is also very interesting as it also co-incides with the date that the Santander accounts were closed.
Also, at this point, my access to my Experian account via MSE Credit Club was revoked (it would not update and just gave unable to locate information on every section), and going to Experian directly flagged up they could not verify me.
On the 14th October, I received Halifax and Bank of Scotland 60 day closure letters. I received DSAR's from them and can see a 646 marker was placed on the accounts.



At this point, I raised a complaint with Aqua due to the lack of information around my account closure.
I have since had no communiction from Aqua aside from the fact they are investigating and I do appreciate it's likely to take some time.


Fast forward to today, nearly 8 weeks after the complaint was raised, I now have access to my MSE Credit Club report as well as via Experian directly.
CheckMyFile and Clearscore are all looking okay and my credit score is looking good.



All my other accounts are still operating as normally and Santander have allowed me to re-open an account with them with an overdraft limit.




I get that Fraud processes and procedures are there to protect people ; and trust me, I am grateful they are there, however instances like this one, has caused me nothing but stress and anxiety from the outset. It's not something that is very nice to go through especially when you are a totally innocent party.


From the above (And I hope I've formatted it clear enough), it's clear to see that somehow, my sisters application has triggered some sort of response against me which in turn has caused Aqua (New Day), Santander and Lloyds Banking Group to react in the way that they did.