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  • FIRST POST
    • Asimbaba
    • By Asimbaba 6th Jul 18, 6:10 PM
    • 10Posts
    • 0Thanks
    Asimbaba
    Bank account closed got cifas 6 marker
    • #1
    • 6th Jul 18, 6:10 PM
    Bank account closed got cifas 6 marker 6th Jul 18 at 6:10 PM
    Hello, i am new here so i will try to be very short. I have read most of the threads and still need help!!!.
    I had lloyds current account for 10 years. On 30th of june 2018 the person i work for transferred £4000 into my account. He had my bank details as he used to send me my wages. Ok so he didnt inform me that day l but next morning he was calling me early morning saying withdraw £4000 from your account as i will come to pick them up. And if cashier ask about the money just tell them you need this money for yourself or whatever. Ok so I withdrew this money the cashier took photocopy of my id (driving license). Ok and i gave all this money to this person (my boss). Its a small company women’s fashion clothing shop. Ok so in next week i see my online transactions suspended and month later i got letter that we are closing your account blah blah and cifas cat 6 will be on your credit file for 6 years. Bank said i have fraud money in my account the person is not helping me at all clearing my name. Bank is not listning. I spoke action Fraud online got ref. Got cifas protective registration for £20 for 2 years. I didnt go to CAB. Will consider it . So any suggestions who will listen to me now? Bank thinks i am fraudulent i think i am victim. Any same thing happened to aNybody please reply thanks
Page 1
    • BoGoF
    • By BoGoF 6th Jul 18, 6:19 PM
    • 3,262 Posts
    • 2,595 Thanks
    BoGoF
    • #2
    • 6th Jul 18, 6:19 PM
    • #2
    • 6th Jul 18, 6:19 PM
    What makes you think the bank will listen. At best you were naive and the bank doesn't need to give you an account.
    • jimbo26
    • By jimbo26 6th Jul 18, 8:21 PM
    • 417 Posts
    • 196 Thanks
    jimbo26
    • #3
    • 6th Jul 18, 8:21 PM
    • #3
    • 6th Jul 18, 8:21 PM
    The bank have acted quite correctly as they have identified suspicious activity on your account, and probably quite rightly given your account of things. Banks have a duty to act to prevent and report money laundering. If banks fail to act there are big penalties including prison.

    The fact your friend is asking you to lie about the money rings alarm bells.

    Also I don't think you'll have a snowballs chance in hell in getting it removed or doing any mainstream banking in the foreseeable future.
    • jimbo26
    • By jimbo26 6th Jul 18, 8:34 PM
    • 417 Posts
    • 196 Thanks
    jimbo26
    • #4
    • 6th Jul 18, 8:34 PM
    • #4
    • 6th Jul 18, 8:34 PM
    BTW the closure of the account maybe the least of your worries as you may have committed a couple of money laundering offences yourself, and the bank may well have reported this.
    • T-G-C
    • By T-G-C 6th Jul 18, 9:13 PM
    • 273 Posts
    • 99 Thanks
    T-G-C
    • #5
    • 6th Jul 18, 9:13 PM
    • #5
    • 6th Jul 18, 9:13 PM
    In accordance with strict EU legislation, the bank has a legal obligation to ensure that funds obtained through illegitimate means are not passed through the finance network using their services.

    You, as the account holder, should have immediately reported the £4000 transfer to the bank if it was not sent out of legitimate grounds e.g outstanding wages or receiving funds for a sale. This would have allowed the bank to investigate the funds and avoid penalizing you.

    From the moment it was withdrawn, you committed an act of money laundering, therefore their decision to close the account and file a CIFAS report was correct and of standard procedure.

    As the bank have not made a mistake, there is almost no chance of a waiver. The banking industry must take this kind of offence seriously to avoid the penalties previously mentioned above.

    There are alternative methods of financing out there for people who cannot obtain a mainstream bank account, however it is much harder than conventional means.

    I would avoid making an application for another bank. The first reason is that the bank are almost certain to refuse the application, due to the fraud mark and secondly, if you avoid putting yourself on different banking databases, in 6 years time, you can open an account with another provider without a problem. If you start getting declined by different banks on the grounds of fraud, they may continue to be reluctant to open an account for you, even after the marker expires, as banks save application and decision information in their system, often longer than the minimum requirement of 6 years.
    All advice provided is intended for guidance purposes only. For specialized debt advice, please contact either National Debtline or StepChange.
    • beckysheffield
    • By beckysheffield 6th Jul 18, 9:26 PM
    • 230 Posts
    • 28 Thanks
    beckysheffield
    • #6
    • 6th Jul 18, 9:26 PM
    • #6
    • 6th Jul 18, 9:26 PM
    Why did the bank shut his account? If the person has had money transferred to their account what!!!8217;s the issue?
    • DCFC79
    • By DCFC79 6th Jul 18, 9:36 PM
    • 32,104 Posts
    • 20,198 Thanks
    DCFC79
    • #7
    • 6th Jul 18, 9:36 PM
    • #7
    • 6th Jul 18, 9:36 PM
    Why did the bank shut his account? If the person has had money transferred to their account what!!!8217;s the issue?
    Originally posted by beckysheffield

    Maybe the money was transferred from an account the bank were aware of and since the OP withdrew the exact amount they closed the account.


    Most likely more to it as fwor has explained below.


    Something similar is where the victim gets a cut of the moeny, in this case the victim is a money mule.
    Last edited by DCFC79; 06-07-2018 at 9:42 PM.
    • fwor
    • By fwor 6th Jul 18, 9:37 PM
    • 6,025 Posts
    • 4,082 Thanks
    fwor
    • #8
    • 6th Jul 18, 9:37 PM
    • #8
    • 6th Jul 18, 9:37 PM
    Why did the bank shut his account? If the person has had money transferred to their account what!!!8217;s the issue?
    Originally posted by beckysheffield

    What you see from the OP is only half the story. We can only guess about the other half, but whatever the reason, the transfer into the OP's account has been marked as fraudulent.

    It could be something as simple as his "boss" selling something to someone and then not delivering it, or it could be something more complicated - we just don't know.

    Whatever, if someone wants to use your bank account to accept a payment and then wants you to immediately withdraw it and give it to them as cash, you should ask them to give you a good reason why, and you would need to be sure that it is 100% legal.

    Then again, the whole thing might just be a fabrication, made up by "Asimbaba" because he's bored...
    Last edited by fwor; 06-07-2018 at 9:44 PM.
    • Thrugelmir
    • By Thrugelmir 6th Jul 18, 10:25 PM
    • 59,211 Posts
    • 52,597 Thanks
    Thrugelmir
    • #9
    • 6th Jul 18, 10:25 PM
    • #9
    • 6th Jul 18, 10:25 PM
    On 30th of jun 2018

    in next week i see my online transactions suspended and month later i got letter that we are closing your account blah blah and cifas cat 6 will be on your credit file for 6 years.
    Originally posted by Asimbaba
    Considering it's only the 6th July today. Your timeline looks somewhat adrift.
    Financial disasters happen when the last person who can remember what went wrong last time has left the building.
    • antrobus
    • By antrobus 6th Jul 18, 10:29 PM
    • 15,763 Posts
    • 22,421 Thanks
    antrobus
    Hello, i am new here so i will try to be very short. I have read most of the threads and still need help!!!.
    I had lloyds current account for 10 years. On 30th of june 2018 the person i work for transferred £4000 into my account. He had my bank details as he used to send me my wages. Ok so he didnt inform me that day l but next morning he was calling me early morning saying withdraw £4000 from your account as i will come to pick them up. And if cashier ask about the money just tell them you need this money for yourself or whatever. Ok so I withdrew this money the cashier took photocopy of my id (driving license). Ok and i gave all this money to this person (my boss). Its a small company women’s fashion clothing shop. Ok so in next week i see my online transactions suspended and month later i got letter that we are closing your account blah blah and cifas cat 6 will be on your credit file for 6 years. Bank said i have fraud money in my account the person is not helping me at all clearing my name. Bank is not listning. I spoke action Fraud online got ref. Got cifas protective registration for £20 for 2 years. I didnt go to CAB. Will consider it . So any suggestions who will listen to me now? Bank thinks i am fraudulent i think i am victim. Any same thing happened to aNybody please reply thanks
    Originally posted by Asimbaba
    Category 6 is First Party Fraud; Criminal fraud by the account holder. The bank most likely thinks you've stolen £4k from your employer. Put it this way; you probably can't prove that you handed over £4k in cash to your boss.

    If what you say is true, perhaps it should be Category 7 Aiding and Abetting, as in aiding and abetting money laundering and/or fraud by your boss.

    What does your boss have to say? Do you still have a job?
    • beckysheffield
    • By beckysheffield 6th Jul 18, 11:49 PM
    • 230 Posts
    • 28 Thanks
    beckysheffield
    What you see from the OP is only half the story. We can only guess about the other half, but whatever the reason, the transfer into the OP's account has been marked as fraudulent.

    It could be something as simple as his "boss" selling something to someone and then not delivering it, or it could be something more complicated - we just don't know.

    Whatever, if someone wants to use your bank account to accept a payment and then wants you to immediately withdraw it and give it to them as cash, you should ask them to give you a good reason why, and you would need to be sure that it is 100% legal.

    Then again, the whole thing might just be a fabrication, made up by "Asimbaba" because he's bored...
    Originally posted by fwor

    Oh right I’m a bit naive then. I was thinking the banks were closing accounts and I needed to open an online one.
    • Asimbaba
    • By Asimbaba 7th Jul 18, 2:31 AM
    • 10 Posts
    • 0 Thanks
    Asimbaba
    Sorry it was 31st may not 31st june
    And i was trying to upload image url but as a new user i am not allowed
    • Asimbaba
    • By Asimbaba 7th Jul 18, 2:42 AM
    • 10 Posts
    • 0 Thanks
    Asimbaba
    I used image to txt so thats what i got in letter.
    You will find Errors in spellings. Its copy paste.


    “From this, you withdrew the full funds on 31 May 2018 as they instructed you.
    then received reports on 09 June 2018 that the received funds were fraudulent. Due to the, we placed blocks on your account whilst we investigated this.
    Following your version of events we informed you we would be proceeding to end the banking relationship and closing your accounts with Lloyds Banking Group (Including Lloyds, Halifax and 9ank of Scotland).
    W?en an account is dosed for fraudulent activity, the Fraud Team are required to update the CIFAS register. CIFAS is used by individuals and organisations to perform fraud checks with an aim to preventing fraud and reducing risk of fraudulent activity. This may affect your ability to open an account elsewhere.
    Based upon this information, your details were added to the CIFAS register, as the beneficiary of fraudulent funds (category 6) which usually stays on record for six years”.
    • Catsacor
    • By Catsacor 7th Jul 18, 7:00 AM
    • 49 Posts
    • 45 Thanks
    Catsacor
    Their letter tells you everything there is to know.


    This forum sees regular CIFAS threads and a lot go right along these lines.


    Keep your accounts and finances completely private and never let anyone use it for their own purposes or reasons because this is precisely what can/will happen.
    • Asimbaba
    • By Asimbaba 7th Jul 18, 1:04 PM
    • 10 Posts
    • 0 Thanks
    Asimbaba
    What does your boss have to say? Do you still have a job
    I agree what everybody saying. And i can tell this must be dirty money as i am asking him what was the source of this payment although it’s difficult as an employee but i have told him now about all the circumstances. And hes not saying anything about this payment. All he says that he borrowed. Well all is done anyway. The last thing i am thinking to go my lawyer as i have all the recordings regarding that payment where he is tricking me. And yes i am still working i can leave it but i hope may be something would help staying here. If i leave right now i wont seeing him anymore
    • nic_c
    • By nic_c 7th Jul 18, 6:59 PM
    • 1,551 Posts
    • 855 Thanks
    nic_c
    When your boss told you to not only withdraw the full amount the next day, but told you to LIE to the cashier about it, it should have rang alarm bells in your head.

    I'm not sure what you can do because you were complicit by withdrawing the money. As far as the bank are concerned money was deposited, then withdrawn and then reported as fraud.

    Why do you have recordings of where he is tricking you, but never thought of stopping going through with it?
    • Asimbaba
    • By Asimbaba 7th Jul 18, 8:07 PM
    • 10 Posts
    • 0 Thanks
    Asimbaba
    The calls after bank suspended and they told me about fraud I contacted action fraud police i found there i can submit any evidence which can proof i am not involved in this fraud intentionally. So I contacted my phone company they can provide me only outgoing calls recordings. Well iknow nothing can help now but atleast i can try rather than blaming myself and iknow its all my fault. I have learned my lesson. Thanks
    • Enterprise 1701C
    • By Enterprise 1701C 8th Jul 18, 10:18 AM
    • 19,640 Posts
    • 210,677 Thanks
    Enterprise 1701C
    I am sorry, but if you have a small business and want to withdraw funds you do it properly, you do not send it to an employee's account and then ask them to lie when withdrawing it.

    This is obviously dirty money.

    Sorry if this seems rude, but your posts sound as if you are not British? I am not sure about the law in your country (if you are not British) but in this country ignorance is not a defence in law, so you can say you did not know what was happening but it will not help you. If you end up being prosecuted for this saying you did not know what was happening will not work.
    What is this life if, full of care, we have no time to stand and stare
    • Asimbaba
    • By Asimbaba 8th Jul 18, 1:15 PM
    • 10 Posts
    • 0 Thanks
    Asimbaba
    Yes i am not british. But i am living in uk for more than 10 years. And looks like i didnt learn anything. I am not very sharp. In every aspect of life i am a totally failure. Like totally
    • DCFC79
    • By DCFC79 8th Jul 18, 2:30 PM
    • 32,104 Posts
    • 20,198 Thanks
    DCFC79
    Yes i am not british. But i am living in uk for more than 10 years. And looks like i didnt learn anything. I am not very sharp. In every aspect of life i am a totally failure. Like totally
    Originally posted by Asimbaba

    See this as an opportunity to get sharper.
    Why do you feel a failure ?
    Because of the decisions you make ?
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