Cifas Fraud mark

Marshy3566

A fraud marker has been put on my account leaving them froze. My friend (someone i thought was a friend at the time) asked to use my betting account as his was froze, but the card that was connected to my betting account couldn't be changed hence he had to use my current account to transfer money to be used on my betting account. He then transferred a total of £2800 to my current account in little transfers. He lost around £2000. He then without telling me rang up the bank and said that he had been scammed for the money in an effort to try and get it back. It came to last friday when i had noticed my wages had not been transferred to my account. I then rang up the bank for them to tell me i have got a fraud marker on my account as they believe i was the one that scammed the money, and said if not removed i will not be able to bank with anyone for the next seven years. I then explained how i haven't frauded anyone and basically told the truth as of what had happened. They said there going to open up an investigation and get back to me.

What are the best steps in trying to get this fraud mark removed? i am innocent and haven't robbed any money of nobody.

Im 18.

Thrugelmir

Perhaps it's the connection to your "friend" that's the issue. The complaint having opened up a can of worms.

[Deleted User]

You can't do anything until they've completed their investigations.

But a top tip they may not have taught you in school. You NEVER let anyone else have use or control of your account.

And if he ever asks you to carry his bag through airport security, don't do that either.

Marshy3566

I know i was very stupid in letting someone control in and outs of my account and i won't be able to bank with lloyds ever again as i have broken their terms of service. I just need this freud mark removed as not being able to bank with anyone for the next seven years will ruin my life until im 25.

[Deleted User]

You'll be able to get a basic account somewhere.

Blackbeard_of_Perranporth

Painful lesson, but he is not your friend.

sal_III

You can contact your former friend, explain to him the trouble he has gotten you in and politely ask him to call his bank again and collaborate your story. I wouldn't hold my breath, but worth the shot, maybe he was just naive and didn't realise he is going to cause you trouble.

Seems that you have learned the lesson of not giving anyone else access to your finances. Some other lessons:

- Don't link gambling sites to your main current account / card - use a dedicated account and card.
- Don't let someone else's money enter your bank account. If it's not your money, it has no place in your bank account.
- Don't be friends with a gambling addict. At the very least refuse any financial dealings with such person, no exceptions.

colsten

Marshy3566 wrote: »

I know i was very stupid in letting someone control in and outs of my account and i won't be able to bank with lloyds ever again as i have broken their terms of service. I just need this freud mark removed as not being able to bank with anyone for the next seven years will ruin my life until im 25.

If no bank would touch you for the next 6 years, try a local Credit Union.

jonnygee2

He then transferred a total of £2800 to my current account in little transfers. He lost around £2000. He then without telling me rang up the bank and said that he had been scammed for the money in an effort to try and get it back.

It's not completely clear whether

a) Your friend rang up his bank, and said that you have scammed him, or
b) Your friend rang up your bank pretending to be you, saying the gambling company had scammed him

Either way, I suspect your friends actions were in some way criminal fraud and as well as reporting to your bank, you should also make a report to https://www.actionfraud.police.uk/ .

I would also let your bank know when you have done this, it is often taken into consideration as evidence of your innocence.

BrownTrout

Try Coventry bs
Yorkshire

DCFC79

Close any other betting accounts you have, stop now before you get in deeper.