CIFAS dispute

xlnc99

Its funny how no-one has yet to answer my questions??

FYI - i have made numerous applications over the years and some have been rejected due to spelling error (not my fault, fault of people on the phone due to how my surname is spelt). All that happens is a rejection due to not finding me in the system. End of application!

xlnc99

John_ said:

xlnc99 said:

John_ said:

xlnc99 said:

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

I’m not sure why you are claiming such expertise here when you are posting such silly things. If you mis-spell your name, hoping to avoid a computer matching you to your file then of course a human can check and notice what’s going on.

Why would you possibly think that they couldn’t?

Did not say human checks do not happen. Of course they do - whats your point?

You said that they couldn’t work out who the applicant was, I pointed out how they could. You are either trolling, or have some kind of mental health issue, and either way it’s better not to interact with you any longer, so I won’t.

How would they be able to work out the applicant exactly if they do not have the correct details of the applicant? 

xlnc99

DebtHurricane said:

This is ridiculous. Stop trying to pick apart the OPs version of events and listen to the facts presented. Eskbanker is correct. 

I know this because I too had a marker placed due to a genuine mistake in my dob. This company are absolutely vile. They trash peoples lives by placing markers and deeming innocent people fraudsters. 

I’m not going into huge detail because of privacy but they are placing markers on people without sufficient evidence or cause. 

Do go into detail......

xlnc99

eskbanker said:

xlnc99 said:

eskbanker said:

xlnc99 said:

I am asserting that in this case. With Satsuma Loans they do an online check. If your details are matched then you will be rejected. As pure as simple as that. They will not find your credit file and reject your application, nothing more happens. Therefore, the fact they did this whole CIFAS marker does not make sense as they would not know who to put this marker on against because there was no person to put it on against.

But that's a self-defeating argument - how do you think application fraud markers would ever be applied if data errors were sufficient to prevent automatic matching?

Explain to me how Satsuma would know who the application was from? 
1 - Details are incorrect so how would they know who the loan was too? They wouldnt as no details were matched
2 - If they magically found this formula and guessed the right application then how would they know it was him doing it and not some fraudster. They would just guess and think lets roll the dice and stick a CIFAS on him?

You're not seriously suggesting that an initial mismatch would be sufficient to prevent identification of the applicant and the consequent legitimate addition of a CIFAS marker if the deception was deemed significant enough to be classed as application fraud?!

Stop answering my questions with question and just answer the questions. 

eskbanker

xlnc99 said:

eskbanker said:

xlnc99 said:

eskbanker said:

xlnc99 said:

I am asserting that in this case. With Satsuma Loans they do an online check. If your details are matched then you will be rejected. As pure as simple as that. They will not find your credit file and reject your application, nothing more happens. Therefore, the fact they did this whole CIFAS marker does not make sense as they would not know who to put this marker on against because there was no person to put it on against.

But that's a self-defeating argument - how do you think application fraud markers would ever be applied if data errors were sufficient to prevent automatic matching?

Explain to me how Satsuma would know who the application was from? 
1 - Details are incorrect so how would they know who the loan was too? They wouldnt as no details were matched
2 - If they magically found this formula and guessed the right application then how would they know it was him doing it and not some fraudster. They would just guess and think lets roll the dice and stick a CIFAS on him?

You're not seriously suggesting that an initial mismatch would be sufficient to prevent identification of the applicant and the consequent legitimate addition of a CIFAS marker if the deception was deemed significant enough to be classed as application fraud?!

Stop answering my questions with question and just answer the questions. 

OK, I'll play along then - if you really are so incapable of basic comprehension, let me rephrase my 'question': an initial mismatch would not be sufficient to prevent identification of the applicant and the consequent legitimate addition of a CIFAS marker if the deception was deemed significant enough to be classed as application fraud.

Your other point about a completely fake application from someone else is irrelevant, as it's always theoretically possible for vexatious credit applications to be made by third parties but that's not the scenario here where OP accepts that they made the applications.

xlnc99

An initial mismatch would be sufficient to prevent identification of the applicant. They would not be able to find the details across their database. They can only check their database with the information on hand. What can they do? Go through each date of birth to finally find the person they look for.

I know this because i have been in similar situations with my surname spelt incorrectly. They have not found me and thus rejected my application. No CIFAS just rejection.

eskbanker

xlnc99 said:

An initial mismatch would be sufficient to prevent identification of the applicant. They would not be able to find the details across their database. They can only check their database with the information on hand. What can they do? Go through each date of birth to finally find the person they look for.

I know this because i have been in similar situations with my surname spelt incorrectly. They have not found me and thus rejected my application. No CIFAS just rejection.

So you've decided that because OP's experience differs from yours, it can't be true?

xlnc99

No, just because i no a little about these scenarios through my own experience with CIFAS and its just common sense more then anything

eskbanker

xlnc99 said:

No, just because i no a little about these scenarios through my own experience with CIFAS and its just common sense more then anything

A little knowledge can be very dangerous - you can't (legitimately) just extrapolate and project your own personal experiences onto others where the detailed circumstances will inevitably differ and therefore the outcomes will also differ.  And why would you claim any knowledge of common sense, given the sort of stuff you post on here?

D3xt3r5L4b

xlnc99 said:

No, just because i no a little about these scenarios through my own experience with CIFAS and its just common sense more then anything

See. 

It didn’t happen to me therefore.....