CIFAS dispute

eskbanker

xlnc99 said:
Very unlikely to happen though as i said. This an easily be sorted out, just an email to providential and they will sort out the mistake. I would assume it would be application fraud (refused). Could easily be identity too.

But the point is that it did happen!  What makes you so sure that it's a mistake by the lender and that they'd be prepared to reverse it?

D3xt3r5L4b

eskbanker said:

xlnc99 said:
Very unlikely to happen though as i said. This an easily be sorted out, just an email to providential and they will sort out the mistake. I would assume it would be application fraud (refused). Could easily be identity too.

But the point is that it did happen!  What makes you so sure that it's a mistake by the lender and that they'd be prepared to reverse it?

Judging by their previous posts, if it’s too good to be true then it can’t be true.
Or it hasn’t happened to them therefore it can’t happen to anyone else. 

xlnc99

D3xt3r5L4b said:

You can get a CIFAS marker for entering incorrect data on an application form the same way you can get a record on National Hunter for providing false or incorrect data on an application. 

CIFAS and National Hunter two different things. Also depends on the context. You cant get a CIFAS for a new application for entering mistaken information. They wont know who you are

xlnc99

eskbanker said:

xlnc99 said:
Very unlikely to happen though as i said. This an easily be sorted out, just an email to providential and they will sort out the mistake. I would assume it would be application fraud (refused). Could easily be identity too.

But the point is that it did happen!  What makes you so sure that it's a mistake by the lender and that they'd be prepared to reverse it?

We dont know the story. If its a new application then no, he cant get a CIFAS marker. They just wont recognise his details when they do a credit search. Secondly, its all about context. No-one can give you a CIFAS marker because you made a mistake error on your date of birth, They need evidence and proof of fraud before entering a CIFAS marker, not just because of a gut feeling.  You think mistakes on application forms dont happen every single day, you think everyone gets a CIFAS marker. Wake up.

xlnc99

D3xt3r5L4b said:

eskbanker said:

xlnc99 said:
Very unlikely to happen though as i said. This an easily be sorted out, just an email to providential and they will sort out the mistake. I would assume it would be application fraud (refused). Could easily be identity too.

But the point is that it did happen!  What makes you so sure that it's a mistake by the lender and that they'd be prepared to reverse it?

Judging by their previous posts, if it’s too good to be true then it can’t be true.
Or it hasn’t happened to them therefore it can’t happen to anyone else. 

It its too good to be true, it generally is.

eskbanker

xlnc99 said:

eskbanker said:

xlnc99 said:
Very unlikely to happen though as i said. This an easily be sorted out, just an email to providential and they will sort out the mistake. I would assume it would be application fraud (refused). Could easily be identity too.

But the point is that it did happen!  What makes you so sure that it's a mistake by the lender and that they'd be prepared to reverse it?

We dont know the story. If its a new application then no, he cant get a CIFAS marker. They just wont recognise his details when they do a credit search. Secondly, its all about context. No-one can give you a CIFAS marker because you made a mistake error on your date of birth, They need evidence and proof of fraud before entering a CIFAS marker, not just because of a gut feeling.  You think mistakes on application forms dont happen every single day, you think everyone gets a CIFAS marker. Wake up.

We know more of the story than you seem to be able to read or remember!

OP already admitted not one error with their application but three (I've already pointed this out to you) and also implied multiple applications ("It was placed by a loan company whom which I had applied years ago, on more than ocassion.").

I'm obviously not saying that every mistake on an application form results in a CIFAS marker so don't put words in my mouth.  However, it's clear that CIFAS markers can legitimately be applied if application fraud is deemed significant enough, and the lender obviously feels they have enough evidence to warrant that.  You may choose to disagree, but who do you think has a more accurate picture of the exact circumstances?

xlnc99

eskbanker said:

xlnc99 said:

eskbanker said:

xlnc99 said:
Very unlikely to happen though as i said. This an easily be sorted out, just an email to providential and they will sort out the mistake. I would assume it would be application fraud (refused). Could easily be identity too.

But the point is that it did happen!  What makes you so sure that it's a mistake by the lender and that they'd be prepared to reverse it?

We dont know the story. If its a new application then no, he cant get a CIFAS marker. They just wont recognise his details when they do a credit search. Secondly, its all about context. No-one can give you a CIFAS marker because you made a mistake error on your date of birth, They need evidence and proof of fraud before entering a CIFAS marker, not just because of a gut feeling.  You think mistakes on application forms dont happen every single day, you think everyone gets a CIFAS marker. Wake up.

We know more of the story than you seem to be able to read or remember!

OP already admitted not one error with their application but three (I've already pointed this out to you) and also implied multiple applications ("It was placed by a loan company whom which I had applied years ago, on more than ocassion.").

I'm obviously not saying that every mistake on an application form results in a CIFAS marker so don't put words in my mouth.  However, it's clear that CIFAS markers can legitimately be applied if application fraud is deemed significant enough, and the lender obviously feels they have enough evidence to warrant that.  You may choose to disagree, but who do you think has a more accurate picture of the exact circumstances?

Hypothetical situation similar to OP
I have had a satsuma loan previously and ive applied again a few times.
1 - They will have a record of my details stored somewhere so i would not need to do another application
2 - If my details are incorrect they simply would not be able to match them to  database in their credit search. So how do they know who to put the CIFAS marker on? Will they randomly guess the closest match to the persons detail
3 - If they magically guessed this person, why would they assume its the actual person and not some random person trying to commit fraud. You think they will just assume its me and put a CIFAS marker on me without doing any investigation

You need compelling evidence for a CIFAS marker to be put on, and 9/10 its banks that do it. Give me a scenario in which satsuma loan has put on a CIFAS marker on the OP's file with the information he has given to us on this thread. I dont see it. Hence why i believe he is not telling us the full picture

eskbanker

xlnc99 said:

Hypothetical situation similar to OP
I have had a satsuma loan previously and ive applied again a few times.
1 - They will have a record of my details stored somewhere so i would not need to do another application
2 - If my details are incorrect they simply would not be able to match them to  database in their credit search. So how do they know who to put the CIFAS marker on? Will they randomly guess the closest match to the persons detail
3 - If they magically guessed this person, why would they assume its the actual person and not some random person trying to commit fraud. You think they will just assume its me and put a CIFAS marker on me without doing any investigation

You need compelling evidence for a CIFAS marker to be put on, and 9/10 its banks that do it. Give me a scenario in which satsuma loan has put on a CIFAS marker on the OP's file with the information he has given to us on this thread. I dont see it. Hence why i believe he is not telling us the full picture

You're surely not asserting that OP's errors mean that the lender can't spot the discrepancies and identify the person against whom to apply the CIFAS marker?!  OP has explained the scenario already and its consequences - you obviously feel that it isn't sufficient for a CIFAS marker but the lender disagrees.  All OP can do is to appeal (as I think they have done) and if the marker was applied incorrectly then the lender will reverse their decision, but as you'll have spotted I don't share your confidence that it's a given that they'll backtrack, time will tell....

anon8191

I have raised a complaint with Provident so I’m just waiting for them to review it. I just wanted to know if anyone else had experience dealing with cifas markers.

The information I have given above is all that I know about the marker and I’m definitely not hiding any information. I’m an anonymous account so I really have nothing to hide.

Also, I did hold an active loan with Satsuma roughly in 2017 and that was paid off. I then requested my account to be closed as I didn’t want to cave in and take out another loan.

However, a few months down the line, my circumstances worsened and due to my account being closed, when I logged into my account I didn’t get the option to apply. This is why I made a new application but unfortunately mistyped my date of birth and first name.

xlnc99

They should have stored your details already if it was only a few months. Also - did you use your same email address?