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  • FIRST POST
    • Mumtaz1
    • By Mumtaz1 14th Jun 19, 4:23 PM
    • 2Posts
    • 1Thanks
    Mumtaz1
    Lloyd’s falsely giving cifas ?
    • #1
    • 14th Jun 19, 4:23 PM
    Lloyd’s falsely giving cifas ? 14th Jun 19 at 4:23 PM
    Hello I’m 17 now but was 15 when this happened.

    As a lot of you lot know on Snapchat there are tons of accounts claiming they sell iPhones for cheaper then the usual price I got tricked into buying two iPhone 8s for Ł700 at the time and everything went smooth I went to meet the person and he told me he’s going to get his mate to take the money off me as I only had cash.

    I met his friend and gave him the money and I didn’t get a reply ever since few days later I got blocked so I was confused and worried.. I contacted the police and threatened the user about me contacting the police and he agreed to give my money back.

    He obviously would not meet up so he will send it through the bank to me ...I believe he was with Santander at the time if I remember correctly,he told me he will send in chunks(later realising because he was scamming other users through bank transfer and then sending me money) once Ł250 was sent he said he can’t send anymore to the account and me being desperate as I wanted these iPhones for myself and a gift I gave him my savings account which he paid Ł250 in another chunk and Ł200 in another chunk.

    Everything was fine I got my money back but then I woke up and went to check my mobile banking app and it said my account has been suspended and to contact lloyds so I did and they told me I had to come into branch.

    Next day I got into branch and I explain the situation they didn’t take my serious and didn’t really give any focus when I was explaining what happened but they was fast to tell me that they are closing down my accounts and I won’t be able to open a bank with any other banks and will not be able to get a mortgage or any loans but they said it in confusing words at the time I was 15 I didn’t understand any of this so I thought nothing of it now that I’m older it has a massive impact on me.

    I contacted a solicitor and they told me the bank thought I was money laundering as the sender of the money was getting that money from fraud and once their bank account got shut they investigated mine.

    I was so confused and did some research about what a money launderer is and then I was shocked as I didn’t even take any of the money out so if I was a money launderer I would of taken it out.

    I contacted lloyds and wrote a letter of complaint telling them how I’ve been with their bank since a little kid as my mum opened my saver account when I was around 10 so I’ve been a loyal customer and a long term customer.

    They refused my story and told me my accounts are being closed and I won’t be able to open any other accounts.

    Any idea on what to do ? I need a bank and im being falsely accused I tried to complain but no help at all.
Page 1
    • BoGoF
    • By BoGoF 14th Jun 19, 4:28 PM
    • 5,321 Posts
    • 5,193 Thanks
    BoGoF
    • #2
    • 14th Jun 19, 4:28 PM
    • #2
    • 14th Jun 19, 4:28 PM
    At 15 you went to see a solicitor?

    School holidays started early?
    • Mumtaz1
    • By Mumtaz1 14th Jun 19, 4:32 PM
    • 2 Posts
    • 1 Thanks
    Mumtaz1
    • #3
    • 14th Jun 19, 4:32 PM
    • #3
    • 14th Jun 19, 4:32 PM
    I stated that when I turned 17 ...
    • jonesMUFCforever
    • By jonesMUFCforever 14th Jun 19, 5:25 PM
    • 26,124 Posts
    • 13,285 Thanks
    jonesMUFCforever
    • #4
    • 14th Jun 19, 5:25 PM
    • #4
    • 14th Jun 19, 5:25 PM
    'Loyal and long standing customer' at the age of 17 paying his pocket money in every week LOL.

    To answer your question if you got money paid into your account as a result of fraud then you get a CIFAS.
    Go onto the CIFAS website to see if you can appeal?

    From what you have written you have no hope of getting it removed.
    What goes around - comes around
    give lots and you will always receive lots
    • johnsmith1890
    • By johnsmith1890 14th Jun 19, 5:30 PM
    • 558 Posts
    • 456 Thanks
    johnsmith1890
    • #5
    • 14th Jun 19, 5:30 PM
    • #5
    • 14th Jun 19, 5:30 PM
    Record of someone under the age of 18 on the CIFAS blacklist database?
    • MovingForwards
    • By MovingForwards 14th Jun 19, 6:07 PM
    • 2,402 Posts
    • 2,823 Thanks
    MovingForwards
    • #6
    • 14th Jun 19, 6:07 PM
    • #6
    • 14th Jun 19, 6:07 PM
    Hello I’m 17 now but was 15 when this happened.

    As a lot of you lot know on Snapchat there are tons of accounts claiming they sell iPhones for cheaper then the usual price I got tricked into buying two iPhone 8s for Ł700 at the time and everything went smooth I went to meet the person and he told me he’s going to get his mate to take the money off me as I only had cash.

    I met his friend and gave him the money and I didn’t get a reply ever since few days later I got blocked so I was confused and worried.. I contacted the police and threatened the user about me contacting the police and he agreed to give my money back.

    He obviously would not meet up so he will send it through the bank to me ...I believe he was with Santander at the time if I remember correctly,he told me he will send in chunks(later realising because he was scamming other users through bank transfer and then sending me money) once Ł250 was sent he said he can’t send anymore to the account and me being desperate as I wanted these iPhones for myself and a gift I gave him my savings account which he paid Ł250 in another chunk and Ł200 in another chunk.

    Everything was fine I got my money back but then I woke up and went to check my mobile banking app and it said my account has been suspended and to contact lloyds so I did and they told me I had to come into branch.

    Next day I got into branch and I explain the situation they didn’t take my serious and didn’t really give any focus when I was explaining what happened but they was fast to tell me that they are closing down my accounts and I won’t be able to open a bank with any other banks and will not be able to get a mortgage or any loans but they said it in confusing words at the time I was 15 I didn’t understand any of this so I thought nothing of it now that I’m older it has a massive impact on me.

    I contacted a solicitor and they told me the bank thought I was money laundering as the sender of the money was getting that money from fraud and once their bank account got shut they investigated mine.

    I was so confused and did some research about what a money launderer is and then I was shocked as I didn’t even take any of the money out so if I was a money launderer I would of taken it out.

    I contacted lloyds and wrote a letter of complaint telling them how I’ve been with their bank since a little kid as my mum opened my saver account when I was around 10 so I’ve been a loyal customer and a long term customer.

    They refused my story and told me my accounts are being closed and I won’t be able to open any other accounts.

    Any idea on what to do ? I need a bank and im being falsely accused I tried to complain but no help at all.
    Originally posted by Mumtaz1
    Have a look at how long a CIFA stays on your account and get used to paying cash for several years.
    • colsten
    • By colsten 14th Jun 19, 6:18 PM
    • 11,068 Posts
    • 10,358 Thanks
    colsten
    • #7
    • 14th Jun 19, 6:18 PM
    • #7
    • 14th Jun 19, 6:18 PM
    Record of someone under the age of 18 on the CIFAS blacklist database?
    Originally posted by johnsmith1890
    Why should under 18s be excluded? That would be a ludicrous loophole which fraudsters would long have started to exploit
    • Ben8282
    • By Ben8282 14th Jun 19, 6:59 PM
    • 3,647 Posts
    • 2,023 Thanks
    Ben8282
    • #8
    • 14th Jun 19, 6:59 PM
    • #8
    • 14th Jun 19, 6:59 PM
    So you simply handed over Ł700 cash without getting the phones in exchange? You must have been incredibly gullible. Even a 15 year old should have known better than that.
    Who were you planning on giving the 2nd phone to as a gift at 15?
    The amount of money transferred to your account is somewhat low to trigger money laundering concerns.
    Where did the Ł700 come from in the first place? From this account, your parents or ????
    If this happened when you were 15 and you are now 17, why wait so long to discuss it here?
    What have your parents said about all this?
    Why should under 18s be excluded? That would be a ludicrous loophole which fraudsters would long have started to exploit
    Originally posted by colsten
    Surely at 15 OP was not on the ER and would not have a credit report, so just where was this data recorded against them?
    • johnsmith1890
    • By johnsmith1890 14th Jun 19, 6:59 PM
    • 558 Posts
    • 456 Thanks
    johnsmith1890
    • #9
    • 14th Jun 19, 6:59 PM
    • #9
    • 14th Jun 19, 6:59 PM
    Why should under 18s be excluded? That would be a ludicrous loophole which fraudsters would long have started to exploit
    Originally posted by colsten

    I didn't know - people under the age of 18 can have data recorded against them by Cifas.
    • 18cc
    • By 18cc 14th Jun 19, 7:04 PM
    • 1,845 Posts
    • 1,364 Thanks
    18cc
    NOBODY expects a cfias marker! Our chief weapon is surprise...surprise and fear...fear and surprise.... Our two weapons are fear and surprise...and ruthless efficiency.... Our *three* weapons are fear, and surprise, and ruthless efficiency...and an almost fanatical devotion to the Pope.... Our *four*...no... *Amongst* our weapons.... Amongst our weaponry...are such elements as fear, surprise.... I'll come in again.

    I didn't expect a kind of cfias marker...
    Last edited by 18cc; 15-06-2019 at 9:19 AM.
    • gt94sss2
    • By gt94sss2 14th Jun 19, 7:30 PM
    • 4,304 Posts
    • 2,035 Thanks
    gt94sss2
    Any idea on what to do ? I need a bank
    Originally posted by Mumtaz1
    You could try and get an account from somewhere like Monzo - some with CIFAS markers have apparently managed to get accounts with them
    • Ergates
    • By Ergates 14th Jun 19, 11:03 PM
    • 617 Posts
    • 822 Thanks
    Ergates
    So you simply handed over Ł700 cash without getting the phones in exchange? You must have been incredibly gullible. Even a 15 year old should have known better than that.
    Originally posted by Ben8282
    I know teenagers are inherently stupid, but that really does take the biscuit.
    • Ergates
    • By Ergates 14th Jun 19, 11:14 PM
    • 617 Posts
    • 822 Thanks
    Ergates
    Hello I’m 17 now but was 15 when this happened.

    As a lot of you lot know on Snapchat there are tons of accounts claiming they sell iPhones for cheaper then the usual price I got tricked into buying two iPhone 8s for Ł700 at the time and everything went smooth I went to meet the person and he told me he’s going to get his mate to take the money off me as I only had cash.

    I met his friend and gave him the money and I didn’t get a reply ever since few days later I got blocked so I was confused and worried.. I contacted the police and threatened the user about me contacting the police and he agreed to give my money back.

    He obviously would not meet up so he will send it through the bank to me ...I believe he was with Santander at the time if I remember correctly,he told me he will send in chunks(later realising because he was scamming other users through bank transfer and then sending me money) once Ł250 was sent he said he can’t send anymore to the account and me being desperate as I wanted these iPhones for myself and a gift I gave him my savings account which he paid Ł250 in another chunk and Ł200 in another chunk.

    Everything was fine I got my money back but then I woke up and went to check my mobile banking app and it said my account has been suspended and to contact lloyds so I did and they told me I had to come into branch.

    Next day I got into branch and I explain the situation they didn’t take my serious and didn’t really give any focus when I was explaining what happened but they was fast to tell me that they are closing down my accounts and I won’t be able to open a bank with any other banks and will not be able to get a mortgage or any loans but they said it in confusing words at the time I was 15 I didn’t understand any of this so I thought nothing of it now that I’m older it has a massive impact on me.

    I contacted a solicitor and they told me the bank thought I was money laundering as the sender of the money was getting that money from fraud and once their bank account got shut they investigated mine.

    I was so confused and did some research about what a money launderer is and then I was shocked as I didn’t even take any of the money out so if I was a money launderer I would of taken it out.

    I contacted lloyds and wrote a letter of complaint telling them how I’ve been with their bank since a little kid as my mum opened my saver account when I was around 10 so I’ve been a loyal customer and a long term customer.

    They refused my story and told me my accounts are being closed and I won’t be able to open any other accounts.

    Any idea on what to do ? I need a bank and im being falsely accused I tried to complain but no help at all.
    Originally posted by Mumtaz1
    If I was the bank and you told me that cockamamie I wouldn't believe you for a second either.

    A 15 year old just handed over Ł700 in cash to some guys mate - not the guy with the "phones", his mate, because it was cash and... well, something.
    Then these criminals immediately fold and just agree to give your money back when you threaten to call the police - because that's how criminals operate. They're obviously not very good criminals if they just refund anyone who is unhappy about being conned by them, but I'm sure at least some victims just let them keep the money, for some reason.
    And you also somehow know what bank he was with - because that's the kind of information that fraudsters give out to their victims.
    And then he can't transfer more than Ł250 into your main account for... reasons. I mean, that's not how banks work, but I'm sure he had reasons.

    Yeah, sure.

    What you need to do is think up a better story next time you try to launder money for a mate.

    Out of curiosity - how much did that offer you to take the payments into your accounts?
    Last edited by Ergates; 14-06-2019 at 11:17 PM.
    • Ben8282
    • By Ben8282 15th Jun 19, 1:52 AM
    • 3,647 Posts
    • 2,023 Thanks
    Ben8282
    Now I realise why people don’t ask for advice on this forums it’s full of white broke pricks behind a screen doing nothing for them selfs but chatting !!!! over a screen lol real funny !!!! You
    Originally posted by Mumtaz1
    At least I can spell and use grammar correctly.
    Last edited by Ben8282; 15-06-2019 at 2:06 AM.
    • msallen
    • By msallen 15th Jun 19, 3:51 AM
    • 1,085 Posts
    • 1,362 Thanks
    msallen
    Now I realise why people don’t ask for advice on this forums it’s full of white broke pricks behind a screen doing nothing for them selfs but chatting !!!! over a screen lol real funny !!!! You
    Originally posted by Mumtaz1
    Tis true that we're somewhat lacking in diversity when it comes to illiterate racist teenage failed money launderers. Maybe you should hang around and give out some 5h1t advice so as to create an atmosphere more to your tastes.
    • worried jim
    • By worried jim 15th Jun 19, 4:55 AM
    • 10,864 Posts
    • 17,141 Thanks
    worried jim
    Now I realise why people don’t ask for advice on this forums it’s full of white broke pricks behind a screen doing nothing for them selfs but chatting !!!! over a screen lol real funny !!!! You
    Originally posted by Mumtaz1
    Here you go- this is what you and 1,000's like you have been involved in - https://www.moneyadviceservice.org.uk/blog/money-mules-what-are-they-and-could-you-fall-victim

    As you are a massive fraud risk the bank has chosen to warn other financial institutions about you on a shared database hence the CIFAS marker. This will last for six years and may also hinder or prevent you from taking certain employment.

    More here- https://www.theguardian.com/business/2019/feb/13/banks-close-thousands-of-money-mule-accounts-mps-told
    "Only two things are infinite-the universe and human stupidity, and I'm not so sure about the universe"
    Albert Einstein
    • Ergates
    • By Ergates 15th Jun 19, 8:00 AM
    • 617 Posts
    • 822 Thanks
    Ergates
    Now I realise why people don’t ask for advice on this forums it’s full of white broke pricks behind a screen doing nothing for them selfs but chatting !!!! over a screen lol real funny !!!! You
    Originally posted by Mumtaz1
    We're not the ones without a bank account.

    Next time, ask for advice *before* deciding to take part in an illegal scheme.
    • nicetomeetyou
    • By nicetomeetyou 15th Jun 19, 12:00 PM
    • 217 Posts
    • 71 Thanks
    nicetomeetyou
    We all make silly mistakes when young. The best thing to do is learn and move on. You’ll be able to get a basic bank account in 4 years and you’ll be able to progress from there.
    • Catsacor
    • By Catsacor 15th Jun 19, 12:26 PM
    • 235 Posts
    • 206 Thanks
    Catsacor
    [QUOTE=Mumtaz1;75927176]Now I realise why people don’t ask for advice on this forums it’s full of white broke pricks behind a screen doing nothing for them selfs but chatting !!!! over a screen lol real funny !!!! You[/QUOTE]



    Actually, we're not all white.
    We're not all broke
    And we do not all have that appendage.



    We have a few minutes to come on here and offer pieces of advice that we personally possess that may be useful to someone reading.


    What people choose to take from those words is subjective.
    • johnsmith1890
    • By johnsmith1890 15th Jun 19, 12:49 PM
    • 558 Posts
    • 456 Thanks
    johnsmith1890
    I didn't know - people under the age of 18 can have data recorded against them by Cifas.
    Originally posted by johnsmith1890

    Out of interest, what is the lower age cutoff point for Cifas records? It's 18 for credit files.
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