Adverse loading on fraud database

sue19644

I wanted to open a separate bank account to save in from my main one and I can’t seem to be accepted for one. The last bank I tried with was metro bank and they accepted me only to be told a couple of months later they were closing my account. So I wrote to them asking why as I’m fed up with being refused an account. This morning I received a letter saying it was due to adverse loading on fraud databases from a third party bank. Anybody know what that means? Has someone done fraud in my name?

Ed-1

sue19644 said:

I wanted to open a separate bank account to save in from my main one and I can’t seem to be accepted for one. The last bank I tried with was metro bank and they accepted me only to be told a couple of months later they were closing my account. So I wrote to them asking why as I’m fed up with being refused an account. This morning I received a letter saying it was due to adverse loading on fraud databases from a third party bank. Anybody know what that means? Has someone done fraud in my name?

Send Subject Access Requests to:
- CIFAS
https://www.cifas.org.uk/contact-us/subject-access-request
- National Hunter
https://www.nhunter.co.uk/SAR.pdf

sue19644

Thankyou will do that.

APAlison12

!!! .....    

MovingForwards

APAlison12 said:

are you are you able to advise what the bank said.  Metro have closed my sons account due to this reason.  He is only just 17 and we do not know what it relates too.  Another bank would not let him open an account.  He has just started A levels and wanted to work in finance!!

She never came back to update.

Start your own thread or follow the advice in this one.

eskbanker

It doesn't really matter what OP's bank said in her circumstances (and she hasn't been on the forum since last May anyway), but the advice given by Ed-1 remains the most appropriate approach for your son, who may need to reconsider his career aspirations....

Notepad_Phil

APAlison12 said:

are you are you able to advise what the bank said.  Metro have closed my sons account due to this reason.  He is only just 17 and we do not know what it relates too.  Another bank would not let him open an account.  He has just started A levels and wanted to work in finance!!

sue19644 has not been back on the forums for coming up for a year, so unlikely she'll get back to you.

Do as Ed-1 advises and see what turns up, but it sounds as though someone somewhere has put your son's name onto the fraud databases.

Hopefully you'll be able to get this sorted, but it is rare that a bank would make a mistake in putting someone's name onto a fraud database so is there absolutely nothing your son can think of. For instance he's never allowed a 'friend' to put money into his account and then sent it onwards or drew it out and give them cash, or been doing some selling on ebay and one of the purchasers has said they've not received the goods, etc.

Thrugelmir

APAlison12 said:

  He is only just 17 and we do not know what it relates too.  Another bank would not let him open an account.  

Your son most likely has all the answers. 

APAlison12

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born_again

APAlison12 said:

I’m not going to bother with this site.  My son was 17 in January is a prefect has very little money doesn’t but or sell on eBay has received 7snd 8s in his GCSEs and is studying  history maths further maths and business studies.  Thanks for the advice that at 17 he will need to reconsider his career.  I have applied to cifas but having trouble with proof of address as he has no printed statements and. Cifas would not accept letter with National insurance number on as it was over 3 months and I am awaiting a letter from his school as they said this would be accepted.  I am in a massive state of worry.  The letter states exactly the same thing as the other person.  The banks are unhelpful - he is only just he again received an award from the school for hard work today.  I am a teacher and his step dad works in finance.  I’ve read some of the threads in here and it seems it is a case of guilty until proven innocent 

If you want to work in banking/finance then you need a squeaky clean financial/criminal record. A friend got taken out off department and dismissed as his partner was declared bankrupt. 
If you have a fraud marker then you would be lucky to get a reply to any application.

eskbanker

APAlison12 said:

I’m not going to bother with this site.  

[...]

Thanks for the advice that at 17 he will need to reconsider his career.  

[...]

I’ve read some of the threads in here and it seems it is a case of guilty until proven innocent 

If you look at what I actually wrote, I stated that he "may need to reconsider his career aspirations", not that he will, in the sense that financial companies are unlikely to accept applications from those with markers on fraud databases, so wasn't alleging that he's guilty but simply observing that if he's unable to persuade the parties concerned that the markers are erroneous then it will compromise his ambitions.  Obviously I don't know the circumstances but neither do you yet, and you certainly wouldn't be the first parent to be convinced of the innocence of your offspring until presented with clear evidence to the contrary....