Blacklisted

JulesJC

Looking for advice for my daugther, 32. Around 3 years ago now, she clicked a link on her phone that I think related to some kind of cryptocurrency and her bank account was wiped out. She lost around £1500. When she reported it she was told that they thought SHE was somehow complicit and was committing some kind of scam / fraud. She has since been black listed and cannot get any kind of credit, or even have a bank account. She has to have her salary paid into a bank account of mine and she uses that as her own. 
So, my question is - what can we do about it? She is currently renting and wants to buy her first property. Unfortunately she has been through some other really tough life issues over the past couple of years and just hasnt had the mental energy to deal with this. She is in a much better place now and wants to clear her name and start moving forward with her life.
Any advice greatly appreciated. TIA

molerat

I assume by "blacklisted" you mean she has a CIFAS fraud marker on her file ?  Did she raise a formal complaint with the bank at the time over how it was dealt with ?  Very difficult to get this marker removed if she didn't do anything about it at the time.

MyRealNameToo

JulesJC said:

Looking for advice for my daugther, 32. Around 3 years ago now, she clicked a link on her phone that I think related to some kind of cryptocurrency and her bank account was wiped out. She lost around £1500. When she reported it she was told that they thought SHE was somehow complicit and was committing some kind of scam / fraud. She has since been black listed and cannot get any kind of credit, or even have a bank account. She has to have her salary paid into a bank account of mine and she uses that as her own. 
So, my question is - what can we do about it? She is currently renting and wants to buy her first property. Unfortunately she has been through some other really tough life issues over the past couple of years and just hasnt had the mental energy to deal with this. She is in a much better place now and wants to clear her name and start moving forward with her life.
Any advice greatly appreciated. TIA

Blacklisting is illegal in the UK.

They presumably have loaded a CIFAS marking due to their belief she was committing fraud. This is a statement of fact effectively and everyone else is free to make their own decision as to if they want to deal with a suspected fraudster or not. 

She should have complained to the bank and escalated it to the Ombudsman if she was unhappy with the outcome. The bank doesnt need a criminal conviction to load a CIFAS marker but there is a fairly high bar it must pass before they do. The ombudsman would have checked that they did correctly consider the matter against the different aspects required before a CIFAS loading. 

The fact she has left it 3 years is going to be at a minimum problematic. If she did complain at the time then it's an absolute block as you have only 6 months after that to go to the ombudsman. 

CIFAS markers last for 6 years and then are automatically removed though the bank that loaded it may decide they dont want her as a customer for much longer. 

born_again

She could open a savings account & get wages paid into there. 

Not much she can do about CIFAS marker after all this time other than wait till it expires.
She can request a SAR from them to see what it says. Details on their website.

ChirpyChicken

Plenty of simple building society accounts she could open
Find what's local

Grumpy_chap

JulesJC said:

She has to have her salary paid into a bank account of mine and she uses that as her own. 

I understand why you have done this but it may not be wise to continue.
Is this an account in your sole name and you have allowed her to have access to the account, cards, pin number, cheque book etc?
If that is the case, it is almost certainly against the terms and conditions so could result in the account being closed if they work it out.  If the bank work it out and check your daughter's credit record they might well close the account immediately and apply updates CIFAS marker against your daughter and a new CIFAS marker against yourself.  You could find both of you in a position of now access to mainstream banking facilities.