Santander card closed ( Cifas marker)

layla_xx

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: 

Yeah I’ve done a lot of research and it seem the cifas marker I have is for first party marker which lasts for 6 years, in my case I’m not a victim in they’re eyes 

D3xt3r5L4b

layla_xx said:

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: 

Yeah I’ve done a lot of research and it seem the cifas marker I have is for first party marker which lasts for 6 years, in my case I’m not a victim in they’re eyes 

 Correct. You’re not a “victim”
You were partaking in fraudulent activity. 

A “victim” is someone who has their bank account details stolen and used illegally etc. 

PixelPound

D3xt3r5L4b said:

layla_xx said:

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: 

Yeah I’ve done a lot of research and it seem the cifas marker I have is for first party marker which lasts for 6 years, in my case I’m not a victim in they’re eyes 

 Correct. You’re not a “victim”
You were partaking in fraudulent activity. 

A “victim” is someone who has their bank account details stolen and used illegally etc. 

Ignorance it not a defence, so whilst OP may feel a victim by voluntarily giving your card to someone so they could deposit and withdraw money they have partaken in fraud. 
Life isn't a TV show.
OP's learnt a lesson the hard way, but they are young and looks like family are helping to get round some of the problems this is causing (e.g. wages into a bank). Time is a healer and many people often do something in their life they regret, but there has to be a large deterrent otherwise more would do it. 

Not to sound harsh, but it could be time to realise it's not usually somebody else's fault when something happens, it's just life and how you react to them that matters.

notveryeducated

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 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.

CIFAS markers can be given to under 18s. And also having a CIFAS marker prevents you from even having a basic bank account. 

notveryeducated

OP if you want the CIFAS marker removed I would make a complaint to Santander, tell them you're young so you didn't understand what you were doing. Although at 17 years old you should have known better to not 1. hand your bank card to somebody and 2. nobody literally just gives you "free money" like that.

If Santander reject your complaint I suggest going to the financial ombudsman service (commonly referred to as FOS) and see what they can do. I have seen a case where the FOS orders a bank to remove a CIFAS marker because the victim was young. If the FOS doesn't uphold your complaint then you have little recourse. 

It's likely you have a category 6 CIFAS marker, this prevents you from having: a bank account (even a basic one), a mortgage, a savings account and a credit card for 6 years. Every bank will reject you for these products but in the rare case you manage to apply and get accepted for one of these, the account gets blocked and closed within 2 weeks. 

fwor

notveryeducated said:

I have seen a case where the FOS orders a bank to remove a CIFAS marker because the victim was young.

This isn't a sustainable position to take though, because all it means is that the perpetrators of this type of fraud will target younger and younger people. Sadly (for the OP) the main purpose (to the banks) of these actions is to serve as a strong message to others.

So it seems likely that there will be a lot of resistance to having it removed because the OP was "too young to understand what they were doing". The banks want to send out a message that if you are old enough to have a bank account, you are old enough to take responsibility for your actions - and that includes "lending" your account to other people.

DCFC79

OP you dont have a credit score, your history is whats important. People go to uni older than 23/24 so dont let that be an issue.

So you gave the cousin your card ?
Did he go away with your card ?

Mrs_Ryan

Student finance doesn’t involve a credit check. 

notveryeducated

Mrs_Ryan said:

Student finance doesn’t involve a credit check. 

Student finance also requires the money to be sent to an account in your name no exceptions - which the OP will struggle to get with a CIFAS marker. 

John_

layla_xx said:

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 

It really doesn’t sound very believable that you let someone shuffle money through your account without at least having doubts, but that’s really neither here nor there now, you are where you are, and the only thing that you control is what you do from here.
There may we’ll be a fraud investigation and prosecution, but I doubt that that’s likely. What’s more likely is that you need to pay back the money that you received, do you have enough available to do that?