Santander card closed ( Cifas marker)

layla_xx

Hi guys I’m 17 years old currently in college, a few months back I was naive enough to add one of those frauds on snap which at that time I didn’t know about because it seemed genuine and said it was legit and risk free so I thought why not, so the lady messaged me and asked if I wanted to make money and I said yeah then I asked where the money is coming from and she said she has business accounts with a lot of money so they are looking for cards to release funds into 
We then agreed to meet up for her to take my card but her cousin showed up instead and I gave him my card
The process took a few weeks and this whole time I would have researched about this to know what I was getting myself into but I was too oblivious 
The money was released into my account which was £2000 and the guy managed to take out £1300 
A few days later my card got blocked with £700 left in it and he had said to ring the bank to unlock it so he could do the second drop but they needed the back number which I didn’t know 
He didn’t speak to me for weeks 
Then two days ago I got a letter from Santander saying they were withdrawing my banking facilities and my card will be closed in 30 days 
So I just thought okay I’ll just open with a different bank so I tried Natwest and all the other cash apps but I got declined 
So I then googled to see what’s going on and it came to my realisation that I may have been registered on cifas with a fraud marker for first degree fraud which lasts for 6 years 
I was out of words as I had no clue about this

I could not sleep or eat I had an anxiety attack the whole night and I was shaking, it just didn’t feel real, the next morning I decided to text my cousin and let her know what had happened so she could tell my mum and aunt bc I wasn’t gonna do it myself 
Everyone was shocked and angry bc they didn’t understand why I needed it, which to be fair I didn’t but luckily they all calmed down and decided I’ll use my aunt’s card for my wages until I’m 24!!! 
I can’t even get car insurance or student finance when I get to uni
I feel like all my dreams have been crushed and my life plans have been ruined bc I had planned to go uni get a car next year and live an independent life which I can’t anymore 
I feel guilty, stressed, confused, anxious and depressed, even contemplating death at this point 

But my main worry is I’m not sure banks will still allow me to open an account after my six year sentence as I’m not trusted anymore 
And what’s worse it I’m going to be 24 with no credit score!! 
I’m thinking of working in care for the rest of my sentence after I complete my college qualification then start uni at 24 which is just embarrassing to me 

I also want to know if I’m still employable 
And just any advice going forward 

I can’t believe I got myself into this 
I feel like the universe has neglected me and does not rate me 
I need reassurance that life will still work out bc I’m hopeless at this point

D3xt3r5L4b

Too much here to read. 

What are the questions?

k3lvc

D3xt3r5L4b said:

Too much here to read. 

What are the questions?

17yo OP has committed fraud, been caught, and is now worried about impact on future life.
Presumably the question is how do they get out of the hole they've got themselves into 

SashikoStitcher

Have a heart @D3xt3r5L4b. 

Here’s the TL:DR version:
OP naively got sucked in by a scammer and Santander realised and closed her account.
She now thinks she has a fraud marker on her credit record as she cannot open a new account with any other bank.
She has had to arrange to have her wages paid to a relative and is worried she will always have this black mark in her record making it impossible to get any sort of banking services for a minimum of 6 years and possibly indefinitely.

She’d like some advice about what to do.  I can’t advise as I know nothing about this stuff, sounds like OP has learned her lesson about internet scammers though. 

[Deleted User]

layla_xx said:

I feel like the universe has neglected me

I'm afraid the universe cannot be blamed for this one.

You knew it wasnt 'legit' from the start regardless of what you may say here, so your chances of pleading ignorance are zero.  

Are you sure you have a CIFAS marker, or are you just guessing?  It seems unlikely below the age of 18, although perhaps you've been inaccurate with your date of birth on other applications.

If you have, you'll need to live with it until such time it fades into the past. Try for a basic bank account and save so that you can pay up front for a thing that you need, as you'll have no access to credit.

It shouldn't impact employment in most areas, though I would stay clear of roles in finance.

Oh - and don't give your card details to anyone else who says that have too much money and need to give it away to strangers.

layla_xx

Deleted_User said:

layla_xx said:

I feel like the universe has neglected me

I'm afraid the universe cannot be blamed for this one.

You knew it wasnt 'legit' from the start regardless of what you may say here, so your chances of pleading don't ignorance are zero.  

Are you sure you have a CIFAS marker, or are you just guessing?  It seems unlikely below the age of 18, although perhaps you've been inaccurate with your date of birth on other applications.

If you have, you'll need to live with it until such time it fades into the past. Try for a basic bank account and save so that you can pay up front for a thing that you need, as you'll have no access to credit.

It shouldn't impact employment in most areas, though I would stay clear of roles in finance.

Oh - and don't give your card details to anyone else who says that have too much money and need to give it away to strangers.

Honestly I had no idea about money mulling, I was very oblivious and I didn’t know it wasn’t legit otherwise I would have never done it, I wouldn’t risk that
im not necessarily blaming the universe for this but I have experienced a lot of hardships this year which has made me question a lot about life
I even currently have the Coronavirus and have lost my sense of taste and smell for a month now I guess I’m just jinxed 
 
I turn 18 in September
I am not sure if I have a cifas marker but I have made a subject request to cifas and I’m waiting for their response 

all banks I’ve applied to have declined me so I’m hopeless at this point 

thanks anyway 

D3xt3r5L4b

Ah ok. 

Well you live and learn. Hopefully. 

Hasbeen

Op also now says she has had Coronavirus for a month now?

Looking forward to next chapter?

" Jackanory, Jackanory"  what's the story jackanory?  

layla_xx

Hasbeen said:

Op also now says she has had Coronavirus for a month now?

Looking forward to next chapter?

" Jackanory, Jackanory"  what's the story jackanory?  

Lol wdym?

[Deleted User]

layla_xx said:

 I guess I’m just jinxed 

Yes, that's the most likely explanation.

layla_xx

Deleted_User said:

layla_xx said:

 I guess I’m just jinxed 

Yes, that's the most likely explanation.

Lol