CIFAS marker on my file

GreenClementine

I've just found out that while applying to rent a flat a referencing company named Homelet claimed they were unable to "validate" my referencing documentation and have now put a fraud CIFAS marker on me.  This has resulted in my bank account being closed down.  I am disabled and very vulnerable with mental health problems and under the care of the Mental Health Team and Social Services.  I cannot cope with the stress.  I am absolutely terrified.  With this marker on my file I will not be able to rent a flat after I have to leave my current place next year.  I will not be able to get a bank account.  I can't cope and I think it's best to take my own life.

WillPS

The CIFAS marker is a temporary setback, not a catastrophe. You have time to sort it, but in the meantime your mental health is of greater importance, please get help - your GP and the Samaritans are two places to consider contacting first if family/friends are not an option.

GreenClementine

[Deleted by Forum Team]

How nice of you to make fun of the fact that I am suicidal.

Keep_pedalling

Please call the Samaritans tonight

https://www.samaritans.org/

GreenClementine

Keep_pedalling said:

Please call the Samaritans tonight

https://www.samaritans.org/

Speaking to them is not gonna enable me to cope without a bank account or ability to rent a home in future.

Keep_pedalling

GreenClementine said:

Keep_pedalling said:

Please call the Samaritans tonight

https://www.samaritans.org/

Speaking to them is not gonna enable me to cope without a bank account or ability to rent a home in future.

No, but the priority is to deal with your suicidal thoughts,  the finance stuff can be dealt with tomorrow but not tonight.

GreenClementine

Keep_pedalling said:

GreenClementine said:

Keep_pedalling said:

Please call the Samaritans tonight

https://www.samaritans.org/

Speaking to them is not gonna enable me to cope without a bank account or ability to rent a home in future.

No, but the priority is to deal with your suicidal thoughts,  the finance stuff can be dealt with tomorrow but not tonight.

One of my illnesses includes symptoms of extreme anxiety leading into psychosis.  I won't be able to stop obsessing over the CIFAS thing and by tomorrow my bank accounts will be frozen and how will I access money for food and my rent?  Social Services can't help with that.  All they do is send Carers to make sure I take my medication, bathe and they cook my food.  They can't sort out these sorts of problems.  I had actually been starting to get a bit healthier and a bit stronger but this has totally set me back.

MattMattMattUK

As others have said, focus on stabilising your mental health first, the CIFAS marker can be dealt with/managed, that should be your first priority. 

If the CIFAS marker was put in place legitimately then you are stuck with it, but there are also ways around them to an extent because not all banks search them, particularly some fintech companies so that allows you to open another bank account and it is very rare for landlords/agents to search CIFAS so it is unlikely to present a huge issue with renting, it would also not be an issuer if you were to be a lodger.

If the CIFAS marker was not legitimately placed then it can be removed, usually in a few weeks. 

What is the category of the marker and when you spoke to them what is the detail? What was the document and why could they not validate it, is it a valid/real document? Have you appealed the marker yet?

MattMattMattUK

[Deleted by Forum Team]

The site does something weird with post/thread counts and mods have never been willing/able to explain it. My profile says I have created 426 threads, however I have only created six, and on any given day it might only be possible to see the one or two most recent ones, where as on other days they will all show.

[Deleted by Forum Team]

HomeLet is a trading name of Barbon Insurance Group Limited which is authorised and regulated by the Financial Conduct Authority for insurance distribution. Registered in England number 3135797. That means that they certainly have the ability to report to CIFAS, whether they should have in this instance is a separate matter.

marcia_

MattMattMattUK said:

[Deleted by Forum Team]

The site does something weird with post/thread counts and mods have never been willing/able to explain it. My profile says I have created 426 threads, however I have only created six, and on any given day it might only be possible to see the one or two most recent ones, where as on other days they will all show.

[Deleted by Forum Team]

HomeLet is a trading name of Barbon Insurance Group Limited which is authorised and regulated by the Financial Conduct Authority for insurance distribution. Registered in England number 3135797. That means that they certainly have the ability to report to CIFAS, whether they should have in this instance is a separate matter.

 I recall a MSE admin saying when you report a post or suggest a merge etc it creates a new thread count 

boingy

GreenClementine said:

I've just found out that while applying to rent a flat a referencing company named Homelet claimed they were unable to "validate" my referencing documentation and have now put a fraud CIFAS marker on me.  This has resulted in my bank account being closed down.  I am disabled and very vulnerable with mental health problems and under the care of the Mental Health Team and Social Services.  I cannot cope with the stress.  I am absolutely terrified.  With this marker on my file I will not be able to rent a flat after I have to leave my current place next year.  I will not be able to get a bank account.  I can't cope and I think it's best to take my own life.

Please just go and get help. 
GP, Samaritans, Health Worker, Social Worker, Friend, Family, Neighbour, anyone.
It's not as bad as you think.