Santander card closed ( Cifas marker)

D3xt3r5L4b

A fake post is a fake post. 

And this is a fake post. 

layla_xx

D3xt3r5L4b said:

A fake post is a fake post. 

And this is a fake post. 

I really wish it was hey 
why would I lie about a virus that’s literally killing people 
but I get this is the internet and you can take my statement however you wish but this is what I’m experiencing x

Hasbeen

layla_xx said:

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?

You are much to young. But it was a children's TV series. Involving telling various stories. It ran for 30 years. 

layla_xx

Hasbeen said:

layla_xx said:

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?

You are much to young. But it was a children's TV series. Involving telling various stories. It ran for 30 years. 

Oh, I wasn’t telling stories I just wanted to elaborate on what I said about the universe 
30 years lol how old are you

Thrugelmir

layla_xx said:

Hasbeen said:

layla_xx said:

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?

You are much to young. But it was a children's TV series. Involving telling various stories. It ran for 30 years. 

Oh, I wasn’t telling stories I just wanted to elaborate on what I said about the universe 

Since the beginning of time if something is too good to be true, it is.  Every generation falls into the same holes. How you react will determine how quickly you dig yourself out. Dust yourself down and move on wih your life. More wise to the real world. 

layla_xx

Thrugelmir said:

layla_xx said:

Hasbeen said:

layla_xx said:

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?

You are much to young. But it was a children's TV series. Involving telling various stories. It ran for 30 years. 

Oh, I wasn’t telling stories I just wanted to elaborate on what I said about the universe 

Since the beginning of time if something is too good to be true, it is.  Every generation falls into the same holes. How you react will determine how quickly you dig yourself out. Dust yourself down and move on wih your life. More wise to the real world. 

Yeah sadly had to learn the hard way 
but surviving will be hard with no bank account 

SashikoStitcher

OP have you googled for advice? I had a quick look and there seems to be quite a lot of info out there about cifas markers. It seems it is not making you as a fraudster, but as someone who is vulnerable to having your identity stolen, so more checks are needed and you can’t open accounts online, but you should be OK if you talk to the bank. Take a look, might not be as bad as you thought. See this link for example: https://www.checkmyfile.com/jargon/cifas-entry.htm

SashikoStitcher

This might also be helpful, though it does clarify that, CJEU treaty to what I said above, the marker can indeed be placed as a notification that they think you did act, or try to  act, fraudulently in your dealings with them:  https://www.thisismoney.co.uk/money/saving/article-5357525/amp/Cifas-fraud-marker-meant-left-not-employ-status.html?ico=amp_articleInlineText

SashikoStitcher

Contrary to, not “”CJEU treaty”! Blooming Autocorrect 

eskbanker

SashikoStitcher said:

OP have you googled for advice? I had a quick look and there seems to be quite a lot of info out there about cifas markers. It seems it is not making you as a fraudster, but as someone who is vulnerable to having your identity stolen, so more checks are needed and you can’t open accounts online, but you should be OK if you talk to the bank. Take a look, might not be as bad as you thought. See this link for example: https://www.checkmyfile.com/jargon/cifas-entry.htm

There are a variety of CIFAS markers, some more serious than others, so without more info it isn't possible to say whether or not OP has been labelled as a fraudster - I haven't found a comprehensive current listing from a quick search just now but https://forums.moneysavingexpert.com/discussion/1446231/cifas-categories has an old listing, including:

0 Protective Registration -- Recorded at the request of the person named.
1 False Identity Fraud -- Use of a false name with an address.
2 Victim of Impersonation -- Use, by another person, of this name and/or address.
3 Application Fraud (Facility Granted) -- Use of name reasonably believed to be genuine, but with one or more material falsehoods in personal details or other relevant information -; the facility was granted.
4 Application Fraud (Facility Refused) -- Use of a name reasonably believed to be genuine, but with one or more material falsehoods in personal details or other relevant information -; the facility was refused.
5 Conversion -- Conversion (disposal or sale) of goods (to which the hirer/buyer does not have title) under a hire purchase, conditional sale, contract hire, leasing or rental agreement.
6 First Party Fraud -- Opening an account or other facility for a fraudulent purpose, or the fraudulent misuse of an account or facility.
7 Aiding & Abetting -- Aiding, abetting or assisting, or conspiring with, another or others to fraudulently procure credit, or other facilities, or hire products or services.
8 Insurance Claims Fraud -- The making of a claim(s) under one or more insurance policy (ies) with one or more material falsehoods or by presenting a false or forged document.

Edit: OP does actually say it's a type 6 (first party fraud) marker, i.e. a serious one....