I think my daughter has a CIFAS marker?

Olenna

jackywacky said:

Olenna said:

xylophone said:

FlexBasic Nationwide? Or Basic with Halifax, Barclays or Natwest?

It's not a great idea to do at this stage plus you can't apply directly for any of these basic accounts anyway.
Given the above info, she is almost certainly still in some kind of fraud databases.

I would suggest waiting three full calendar months (July 2025) to allow databases to be updated etc; if still declined after that then she'll probably need to dig deeper such as SARs to places like Synectics and National Hunter 

She done wrong so I’m not expecting any sympathy but she was a silly immature 17 year old who was taken advantage of when she got the marker, it's made life hard for her and she's has learnt the hard way. 
I've always said that when the marker goes she'll get an account but that hasn't happened, so now I'm feeling bad.

Would it help if she went into a branch of a bank and tried to open an account?

MattMattMattUK

She has had dealings with Monzo but never with Revolut.

Would Monzo and Revolut share their refusals with other banks

The channel of application is pretty irrelevant. 
There is little chance any bank will open an account with fraud markers.
It will be more straightforward to ensure all fraud markers are removed and then proceed. 

jackywacky

jackywacky said:

Jami74 Thank you for your kind words. I'm glad my post has been of help.
Even at 23 my daughter still needs a lot of help and guidance.
If anyone reading this thinks I'm an interfering parent I'd just like to point out my daughter has an elder brother and sister and they get through life on their own.

MattMattMattUK Yes she has a passport, provisional driving license and is registered to vote. All documents registered at our home address.
As for other fraud prevention companies I thought there was only CIFAS. Didn't realise there could be so many.
As mentioned probably best to go to a local branch of a high street bank and see if they can help.

Then I will update this thread in case it helps others.

Here's the update.

My daughter went to the local branch of Santander, I went along for moral support.
She took her ID, explained everything and asked if she could open a basic account.
The assistant was very non judgemental and offered her an Everyday Current Account instead which was processed successfully. 

So that's the end of a very long saga.
Thanks to everyone for their input and help

QrizB

Glad to hear that your daughter and you have got a positive outcome!

Olenna

jackywacky said:

jackywacky said:

Jami74 Thank you for your kind words. I'm glad my post has been of help.
Even at 23 my daughter still needs a lot of help and guidance.
If anyone reading this thinks I'm an interfering parent I'd just like to point out my daughter has an elder brother and sister and they get through life on their own.

MattMattMattUK Yes she has a passport, provisional driving license and is registered to vote. All documents registered at our home address.
As for other fraud prevention companies I thought there was only CIFAS. Didn't realise there could be so many.
As mentioned probably best to go to a local branch of a high street bank and see if they can help.

Then I will update this thread in case it helps others.

Here's the update.

My daughter went to the local branch of Santander, I went along for moral support.
She took her ID, explained everything and asked if she could open a basic account.
The assistant was very non judgemental and offered her an Everyday Current Account instead which was processed successfully. 

So that's the end of a very long saga.
Thanks to everyone for their input and help

Hope all goes well for her. 

If it stays open after the first month, she's probably in the clear.