I got a CIFAS for receiving £85 for jackets

mintyjelly447

This happened in Ocmintyjelly447 said:

ian1246 said:

mintyjelly447 said:

Eyeful said:

mintyjelly447 said:

The thing is it was not a random guy that I received the money from, it was literally someone that I had been friends with and had helped so much so I just thought that taking the £85 and sending it to him would be fine. But yeah I was naive an it's landed me in trouble, I, however don't think I should have got a CIFAS marker

You except  £80 into your personal bank account from someone.
Then you send the £80 on to someone.
This does sound like the way "money mules" work.
You had already reported one of the persons for not providing you with a jacket you paid £50 for!

Persons cannot say they have never heard of "Money Mules",
I have seen warnings on TV & in the press about how they operate & consequence's when caught.
I understand there are also warnings on social media about them. 

1. How long had you known the person before this insistent occurred? 
2. What ways did your " helped so much " take?
3. Banks do not normally take notice of such small sums. So, have you done any "financial favours" you have not mentioned?
4. Why did you not deduct the £50 they owed you & send them £30?
5. You do not think you should have got a CIFAS marker. So what do you think should have happened to you? 

1. I went to school with him
2. Helped so much as in like buying lunch for him virtually almost daily
3. No I hadn't previously done any financial favours
4. I was not thinking at the time as I was out at the time this was all happening so I would say I wasn't really thinking
5. I don't think that I should have gotten anything if I am being honest, this marker literally prevents me from receiving any student loans or payments for the next 2 years, which I think is quite unfair, as I did not intend to defraud anybody and I reckon he got away with it if I was a money mule or defrauded somebody. Reading the other comments I do understand where I went wrong though.

For the next 6 years - not 2 years. As I said in my earlier post, you need to start planning ahead on how your going to do day to day activites.

It's two years sir, it says for me til 2026 but I just discovered that I had this last week

This occurred in October and all my bank accounts were closing and banks were rejecting me but I wasn't sure why and I got suggested to check CIFAs

Kim_13

CIFAS Protective Registration is 2 years, markers are 6 (it’s tied with how long credit files keep history for.)

That you had moved away makes the non-receipt of the jacket less of a red flag, as you wouldn’t have seen that he obviously couldn’t deliver if you couldn’t get there to collect it. Anyone can be temporarily short of cash, especially if their account has been blocked (which would’ve been triggered by your report.)

But against that the bank would still have been able to see that you raised a claim against an account belonging to X, sent money to another account in the same name and then had a claim raised against you by a third party. The bank would probably argue that he’d surely have posted the jacket to you if there was nothing untoward going on, and that the earlier silence was a red flag in any case. By the looks of things he only broke his silence when he wanted to use your bank account to receive money.

eskbanker

mintyjelly447 said:

ian1246 said:

For the next 6 years - not 2 years. As I said in my earlier post, you need to start planning ahead on how your going to do day to day activites.

It's two years sir, it says for me til 2026 but I just discovered that I had this last week

What exactly does the CIFAS DSAR response say, in terms of which marker has been applied, and its dates of application and expiry?

mintyjelly447

eskbanker said:

mintyjelly447 said:

ian1246 said:

For the next 6 years - not 2 years. As I said in my earlier post, you need to start planning ahead on how your going to do day to day activites.

It's two years sir, it says for me til 2026 but I just discovered that I had this last week

What exactly does the CIFAS DSAR response say, in terms of which marker has been applied, and its dates of application and expiry?

It says 'Misuse of facility', 'Funds received-New account', 'Funds received-Conduct unexplained'. 'Third Party Fraud Facilitator'. Recorded in October 2024 and ends in October 2026.

RAS

Have you done a full Subject Access Request? 

Agreed, CIFAS marker is up to 6 years

mintyjelly447

RAS said:

Have you done a full Subject Access Request? 

Agreed, CIFAS marker is up to 6 years

Yeah. They gave me a whole letter on my e-mail saying what, I listed everything just before your current reply. Mine is 2.

mintyjelly447

Update: Turns out £35 of the money I received was fraudulent and they refused to remove the marker. They said they did not have enough evidence to believe that I was 'unwitting'. 

Hoenir

mintyjelly447 said:

Update: Turns out £35 of the money I received was fraudulent and they refused to remove the marker. They said they did not have enough evidence to believe that I was 'unwitting'. 

Chalk it up to experience. Wiser in the future. 

phillw

mintyjelly447 said:
I thought money mules from what I've seen and heard have £1000s of pounds put into their account. I was sent £85 with the reference referring to the jacket 'uniqlo' so I do not understand how I could have possibly been seen as a money mule and this leading to a misuse of facility marker. 

Your friend may have had £1000s, banks don't want to get stuck with having to cover the cost now and so scammers have to find new marks pretty quickly 

The "but other people get away with crime multiple times, so why am I punished for the first time" defence doesn't really work 

We can feel sorry for you, because trusting someone you thought was your friend has had a huge impact on you. But it doesn't change anything. You can appeal it, nobody here can say whether the appeal will work.

In life, you will face many choices that could have expensive consequences. If ever I'm unsure about something, I phone up the company responsible first and explain the situation and ask them for advice. If then I'm punished for following their advice (or if they do something on my behalf that goes wrong) then I can make a complaint against them