I got a CIFAS for receiving £85 for jackets

sheramber

Why did you give him the £85 when he owed you £55?

That makes no sense.

Why did you not take your £55 and give him the balance?

moneytorques

mintyjelly447 said:

Hoenir said:

You transferred your friend £50. Later you disputed this payment. Your friend's account was then frozen. 

I'm surprised by this. 

You receive £85 from an unknown source. 

Your account gets frozen. 

The National Crime Agency and major UK banks share data to identify and combat money laundering and other financial crimes. Simply being party to involvement in such activities even innocently . Has severe consequences. 

So what do I do, I simply was trying to be helpful do you think I can appeal it?

Financial Ombudsman is calling you!
However what everyone here on this post is suggesting OP and you don't seem to be absorbing is that everything you've described around the situation appears "dodgy" and therefore the Bank has acted to report the same.
Sorry but thats the way I read it too, if you feel its unfair treatment then you get a final response to a complaint from your bank and head over to the FAS.

mintyjelly447

sheramber said:

Why did you give him the £85 when he owed you £55?

That makes no sense.

Why did you not take your £55 and give him the balance?

Yeah I thought about that, I was at an event at the time so I was not thinking. But yeah you are right I should have done that

friolento

You can appeal it but from all you have shared here, I would say your chances of getting the marker removed before it naturally expires (6 years?) are next to zero. It's a painful lesson to learn what can happen when you deal with shady characters.

mintyjelly447

moneytorques said:

mintyjelly447 said:

Hoenir said:

You transferred your friend £50. Later you disputed this payment. Your friend's account was then frozen. 

I'm surprised by this. 

You receive £85 from an unknown source. 

Your account gets frozen. 

The National Crime Agency and major UK banks share data to identify and combat money laundering and other financial crimes. Simply being party to involvement in such activities even innocently . Has severe consequences. 

So what do I do, I simply was trying to be helpful do you think I can appeal it?

Financial Ombudsman is calling you!
However what everyone here on this post is suggesting OP and you don't seem to be absorbing is that everything you've described around the situation appears "dodgy" and therefore the Bank has acted to report the same.
Sorry but thats the way I read it too, if you feel its unfair treatment then you get a final response to a complaint from your bank and head over to the FAS.

Yeah because I didn't actually do anything fraudulent. He was supposed to be my friend of whom I helped very much along the years so I did not think much of anything and I just trusted him. I see now that this has landed me in a hot mess

mintyjelly447

friolento said:

You can appeal it but from all you have shared here, I would say your chances of getting the marker removed before it naturally expires (6 years?) are next to zero. It's a painful lesson to learn what can happen when you deal with shady characters.

It is 2 years

friolento

If you do appeal, please make sure you present all the facts in your initial complaint. Trickle feeding them, as you have done in this thread, will be quite unhelpful and work against you. If I were you, I would also not refer to the dodgy bloke as "my friend".

mintyjelly447

friolento said:

If you do appeal, please make sure you present all the facts in your initial complaint. Trickle feeding them, as you have done in this thread, will be quite unhelpful and work against you. If I were you, I would also not refer to the dodgy bloke as "my friend".

Thank you very much. I have reported him to action fraud but he was my friend at the time, no longer after this after taking my money and getting me into this mess. 

TheBanker

So your 'friend' sold you an item, which he did not supply. You raised a dispute - was this through your bank?

You then agreed to receive a payment on behalf of the same 'friend' who'd sold an item to someone else. Presumably that person also raised a dispute through their own bank.

Presumably you were not entirely honest when the bank asked you why you had received £85 into your account. Presumably the bank could see that you had sent it onto the same person who you'd raised a £50 dispute against.

Just think how this looks to a fraud investigator. With the benefit of hindsight there is no wonder you have ended up where you have. Sorry if this sounds harsh but my sympathy is with the person who paid you £85 and still has no jacket. 

Hoenir

Ayr_Rage said:

@Hoenir it could have been a Paypal account that was frozen due to the dispute.

@Ayr_Rage Never known anyone use a Paypal Account to conduct all their banking.  Always best to stick to the facts and not introduce conspiracy theories.