Final Response from METRO Bank and CIFAS Marker Removal

fr33zy

Following on from my original thread, I have received a final response from Metro Bank stating the following;

"Your facilities came to our attention following notification from a third-paty that fraudulant funds were to be paid in to your account, specifically credits of £xxxx and £xxxx received on x date.  These funds were requested and sent back to the sending back".  They further stated "the decision was also made to load your details to CIFAS due to the type of payment and amount, and Metro has a due to report these issues to combat fraud and they don't consider their actions unreasonable".  They also stated "please note the the sender of these funds may be known to you and we would request yuo speak to the individal shold you want to enquite with them directly"

So the payments refer specifically to the two payments I received for the car.  The sender of the funds has provided me a copy of his statements for 2020 where I can see the payments left his account but have not been returned to him.

What are my next steps? Do I write to CIFAS directly to try to remove the marker for 'false instruments paid in'.  What evidence, if any, should I provide to them to support this request for removal? Should I also get in touch with the Financial Ombudsman

D3xt3r5L4b

CIFAS won’t remove the marker on your asking

Thrugelmir

Seeing as the funds were fraudulently obtained by the sender. Somewhat unlikely they are going to be returned. Is there still an ongoing investigation elsewhere? 

fr33zy

Any further advise?  What are my next steps? Do I write to CIFAS directly to try to remove the marker for 'false instruments paid in'.  What evidence, if any, should I provide to them to support this request for removal? Should I also get in touch with the Financial Ombudsman

D3xt3r5L4b

Why would it be removed?

fr33zy

D3xt3r5L4b said:

Why would it be removed?

You offered no constructive advice on your first reply.  Why waste time replying with a question? I want an answer!  If you can't help, keep your fingers off the keyboard!  I did nothing wrong to warrant a CIFAS marker against my name, preventing me opening a bank account.  I have a perfect credit score, I sold a car, received a payment from an unknown dodgy source and I want the CIFAS marker removed.  SIMPLE!

Can anyone advise on the next steps? Do I write to CIFAS directly to try to remove the marker for 'false instruments paid in'.  What evidence, if any, should I provide to them to support this request for removal? Should I also get in touch with the Financial Ombudsman

D3xt3r5L4b

fr33zy said:

D3xt3r5L4b said:

Why would it be removed?

You offered no constructive advice on your first reply.  Why waste time replying with a question? I want an answer!  If you can't help, keep your fingers off the keyboard!  I did nothing wrong to warrant a CIFAS marker against my name, preventing me opening a bank account.  I have a perfect credit score, I sold a car, received a payment from an unknown dodgy source and I want the CIFAS marker removed.  SIMPLE!

Can anyone advise on the next steps? Do I write to CIFAS directly to try to remove the marker for 'false instruments paid in'.  What evidence, if any, should I provide to them to support this request for removal? Should I also get in touch with the Financial Ombudsman

Your “perfect score” means diddly though in the real world.

You received money that was deemed to be fraudulent which is why you have the marker against you.

xlnc99

I suggest you write back to METRO and copy in the executive management team etc
do it by e-mail. explain what happened and how its effecting your life due to this not being your fault and how u did nothing wrong
also i would go to the papers, the money section in particular or consumer problems section. They are great at getting involved and making sure justice is done.

if u really have got done by a scam not your fault then you can fight this

Yahoo_Mail

xlnc99 said:

I suggest you write back to METRO and copy in the executive management team etc
do it by e-mail. explain what happened and how its effecting your life due to this not being your fault and how u did nothing wrong
also i would go to the papers, the money section in particular or consumer problems section. They are great at getting involved and making sure justice is done.

if u really have got done by a scam not your fault then you can fight this

The OP has received a final response, this is a waste of time.

As they have received a final response they should take it to the FOS.  I'm not sure I fancy their chances but this is the correct course of action if they want to take it further, not wasting their time with CEO emails.

jimbo26

To be fair to the OP the CIFAS marker seems heavy-handed. He/she has sold a car in good faith and had no way of knowing that the funds used to buy the car were from a dodgy source. 

AstonSmith

D3xt3r5L4b said:

You received money that was deemed to be fraudulent which is why you have the marker against you.

Why should OP be punished for this? Presumably he or she had no idea they were illicit funds.