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Brudda Bro
Posts: 13
Topic starter
(@bruddabro)
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Joined: 3 years ago

I done some fraud with a friend to get some quick money (around £2000 pounds, STUPID I KNOW.
The bank found out and closed my account and I don't think I had any money left and I didn't have my card so I didn't end up going to close it myself when they sent me a letter to come and collect. I was too scared and ashamed to go.

I regretted it so much and tried to forget it and so a few months later I wanted to start over I went to open a new account with 2 other banks and they both rejected me and one told me to contact CIFAS. I couldn't bring myself to do it so I'm still trying to forget it.
I was so stressed I lost a chunk of weight and didn’t sleep or eat well last month. My dad wants to be giving me money for my piano lessons but I’m insisting on cash. I can not tell him. I literally can't. I don’t want to get hurt. I don’t know what to do now and I have so many questions.

Will this affect me going to college? Getting a job in college? My uni with loans and benefits? will this affect my credit score? I know the mark stays for 6 years and waiting sounds a whole lot better than telling my parents (yes its that bad) I can’t get it reversed because they put it there rightfully so for me there’s no point. I want another account with a card but I doubt I’ll receive one.

(P.S I have a savings account in my parent's name so will that do? If it gets transferred to me when I'm 18 will they cancel it?)

92 Replies
Guest
(@guestleaving)
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@bruddabro

yo, did the same thing a few years ago.

firstly dont ever do something like this again or consider doing it

secondly, do not attempt to reapply to any other banks as they do hard credit searches on your account and it will damage your score and if they decide to do an investigation into this it could lead to criminal charges

thirdly, what you can do is set up an online account, which don’t do credit searches eg. Monzo, Sterling, N26

they will be able to hold your money and act as a bank for you. There are no physical branches for online banks.

it wont necessarily affect your uni loans as the money can be transferred into your online account.

i wish i had some advice like this when i first got the CIFAS marker so count yourself lucky i’m able to give you this advice. You can stop stressing lol

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JeremyClarkson
(@jeremyclarkson)
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@blehsheh

Wdym he can stop stressing? You didnt answer any of his questions - just that it "might not affect his uni loans"

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Guest
(@guestleaving)
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@jeremyclarkson

how did i not answer his questions i literally gave the solution to his problem? quote me properly too i said it won’t necessarily affect his loans because the money can be transferred into an online account

 

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JeremyClarkson
(@jeremyclarkson)
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@blehsheh

.... So you're saying basically he's screwed 

@bruddabro if I was you I wouldn't listen to this guy, getting an online bank account may raise more suspcision when applying to jobs and unis, contact CIFAS and tell them it was a mistake or try and negotiate something with them

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Guest
(@guestleaving)
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@jeremyclarkson

Lmao are you stupid i was literally in his position a few years ago and now im in university with my online account, its a legitimate banking option you idiot

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JeremyClarkson
(@jeremyclarkson)
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@blehsheh

Right you go university and you're calling me an idiot, definitely not even 18 yet 

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Guest
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@jeremyclarkson

it doesn't take a university student to realise you’re an idiot either? your input is so irrelevant im speaking from experience trying to help someone else and you’re tryna intervene. Do you work for undercover police or something?

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JeremyClarkson
(@jeremyclarkson)
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@blehsheh

I'm telling him to contact CIFAS to resolve the situation rather than trying to avoid it and you're just telling him to avoid it by getting a dodgy card mate, I think we can all see who's the idiot

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Guest
(@guestleaving)
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@jeremyclarkson

Thats a terrible solution you think CIFAS feel sympathy for someone who tried to commit first party fraud on a bank account? Again contacting CIFAS was something i tried to do years ago and they were quick to shut me down

dodgy card? Do your research into Monzo its becoming one of the biggest emerging online banks these are LEGITIMATE banking options you lack knowledge hence being the idiot

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Teeee
(@teeee)
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Posts: 2

@jeremyclarkson il be honest with you mate. Your advice is coming from a place of ill advice. If the banks have proof money laundering happened, going to cifas to challenge will not help at all. You've made fun on the other commenter who was actually speaking from experience and actually providing a solution that works. I did the same thing. Maybe next time don't rush trying to sound clever without actual facts

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Zumix
(@zumix)
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@blehsheh yo bro I’m kinda in that position rn but sterling closed my account because I could provide proof for a £50 transaction I’m currently 16 and I can’t open a Monzo because it says “we can’t open a Monzo for you at this moment” will I still be able to open a N26 that other prepaid?

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Sophie
(@sophie-2)
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@guestleaving im going through the same thing atm and my bank hasn’t closed my account yet, they’re still investigating. Halifax said to apply for other banks while the investigation hasn’t gone through yet and the marker isnt up yet but im afraid they’re gunna shut my other account that ive just opened when they see the marker

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amabu
(@amabu)
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@sophie-2 Hi, I was wondering how things went for you after you tried to open a new account whilst the investigation was ongoing. Did they close the new account?

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Sophie
(@sophie-2)
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@amabu I panicked at opened 3 accounts. Ive successfully opened the 3 accounts and im now using two of em. Halifax did end up closing my account and i had a letter to confirm ut was gunna be shut in 60 days. If you’re at risk of having ur account closed, open a new one while the investigation is still on going just incase you’ll have a marker put up.

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Sophie
(@sophie-2)
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They did not close my new opened account just the old one.

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amabu
(@amabu)
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@sophie-2 oh okay thanks so much. I was so scared about reading the comments here

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Sophie
(@sophie-2)
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@amabu the worst thing you can do is read and google everything. As long as this isn’t like the second time they investigate you, everything should be okay

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Megan
(@megkaputo)
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@sophie-2 hi I’m currently going through a similar thing with hsbc. And I’m panicking out of my mind, especially about the cifas marker thing. Did you end up getting one put on. And what bank did you manage to open with I need to do the same.

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Sophie
(@sophie-2)
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@megkaputo they cant acc tell you if ur having a marker put up, you need to contact cifas yourself. I dont know if i have one as im waiting for my passport to renew as i dont have a valid ID yet as its all expired. I will check if i have one on after sorting my ID out. I opened with lloyds and nationwide for current accounts and think money which is a prepaid card. I dont currently use the think money but all is well with my lloyds and nationwide.

 

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Megan
(@megkaputo)
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@sophie-2 I can see I’m gonna be living in constant fear of my accounts being shut unexpectedly. This whole ordeal has been giving me serious anxiety, stress and depression. If I do get a marker I might have to try and contest it or something because six years is too long. And can they keep your money ?

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Sophie
(@sophie-2)
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@megkaputo oh hun i was the same. I was crying, ringing up lawyers who i didnt even have money for. Its awful. If you think you’re being mark and its not your fault, please raise an appeal.

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Sophie
(@sophie-2)
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@megkaputo they can keep your money that was in there in the start if the investigation, any wages/benefits can be withdrawn in branch with an ID but yiu cant go to a cash machine etc.

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Megan
(@megkaputo)
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@sophie-2 thank you hun x you’ve been helpful

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amabu
(@amabu)
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@sophie-2 thanks so much you’ve been really helpful. Also did they allow you to take out all the money from your account before closing it.

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Sophie
(@sophie-2)
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@amabu no problem, and they only let me take out bank giro credits. Which is money from wages and benefits. Nothing else unfortunately. If they end up closing it you might be able to retrieve a little bit of ur own money out but its not guaranteed. But any money from DWP benefits or wages from work ull have to take out in bank with a valid ID.

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Obe
 Obe
(@obe)
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@bruddabro Hi. I'm currently working on a BBC 3 Documentary about this and would love to talk to people about their experiences. If you're happy to could you drop an email to obe@bigdealfilms.com and we can try to set up a call? Also please feel free to look up Big Deal Films online. Many thanks Obe

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aGirlWithaQuestion
(@agirlwithaquestion)
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@bruddabro I’m looking to see if you have the answer to this question yet? I had an active monzo at the time I stupidly done the same kind of thing as you. Anyway both my high street bank and monzo got closed and now I’m marked I have tried to open a few banks since, now seeing your replies, YIKES! Like you I don’t want attention to me.
I am truly struggling to get any sort of bank account and I have no idea what to do !! Please if anyone has any advice , Thanks!!

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Zeeshan Ahmed
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(@zeeshan)
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@agirlwithaquestion

Have you tried opening an account with another online bank? E.g Sterling, N26, etc.

They don't do credit checks

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aGirlWithaQuestion
(@agirlwithaquestion)
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@zeeshan hi thanks for replying! Unfortunately N26 isn’t available in my region yet and been refused from Sterling ect in the past again don’t want to flag up anything so I’m a bit sceptical now about putting all my details time and times again 🙁 I really don’t know where to turn now I truly am stressed out I can’t sleep eat and I’ve recently found out I’m pregnant I feel physically sick

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Zeeshan Ahmed
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(@zeeshan)
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@agirlwithaquestion

How many different online banks have you applied to? Thats strange that you got refused from Sterling. This must be a very difficult situation for you. However, I would recommend to keep applying to different online banks until you find one that accepts you - don't give up.

 

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sakebul prachu
(@sakebul-islam)
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@agirlwithaquestion Hey! I have 2 friends who were in similar situation as you. Uhmmm... there's other app only banks, such as "Atom Bank", "Bunq", "Revolut" and "Monese". Just skip the part where they ask you about your credit score. I just named a few popular ones. I'm sure one of them will accept you. Don't worry just stay calm and keep us updated. I will get more information from my friends if you need any?

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Sophie
(@sophie-2)
Joined: 2 years ago

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@bruddabro did you manage to sort this out? Im genuinely in the same position but the amount isn’t as big as 2k. They haven’t closed my account yet as they’re still investigating but reading through online and seeing how this has affected many people is scaring me

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sakebul prachu
(@sakebul-islam)
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@sophie-2 Apply for an virtual bank card just in case e.g. Monzo, Starling etc. Hopefully they won't ban you for 6 years. Good luck....

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Sophie
(@sophie-2)
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@sakebul-islam ive contacted halifax about ny account investigation and the fraud team said to apply for other banks while the cifas marker isnt on yet. I hace successfully opened a lloyds account and a nationwide one. I’m just confused that when the investigation is over and they close My halifax, will this affect ny other bank accounts even if those ones have just been open and not in any investigation?

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Cofs
 Cofs
(@cofs)
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@sophie-2

If they close your halifax (i.e. have given you a CIFAS marker) the other banks will consequently close. Even though you've opened a lloyds account, open an online bank account as well just in case. (you can just open the online one after but just to save you the headache of putting the initial money in and etc).

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Sophie
(@sophie-2)
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@cofs so does that mean that even if only my halifax account will be shut, all the others would as well even if its under different banks?

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Cofs
 Cofs
(@cofs)
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@sophie-2

Yes, that's the most likely thing that would happen - unfortunately.

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Fleur
(@fleur)
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@sophie-2 Hi hun, I’ve just been reading your thread. I recently discovered that someone sent fraudulent money into my account and I didn’t know. They then asked me to transfer it back to them and I did because I didn’t think anything of it. And now Halifax has blocked my account saying it’s under investigation for fraud etc. When they told me that I was so confused. I have contacted the police and action fraud because I genuinely didn’t know the funds were fraudulent. Anyways my question is how long did it take for Halifax to write to you or get back to you with a decision? I keep calling the fraud team and they’re talking to me like I’m a criminal telling me to wait for them to be in touch. And are your other bank accounts still open?

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Sophie
(@sophie-2)
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@fleur hey hunni! Omg yes, they spoke to me in such a rude way and bombarded me with questions like im some sort of fraud when i wasnt. It took about a week or two and they shut my account in 30 days. What you need to do now and i mean right now is open a new account with llkiyds, nationwide etc. One good halifax lady advised me to do that while fraud team was still investigating. So nothing is on record yet whil they still investigate you should be able to open an account. I applied for three accounts in panic and i now use nationwide and lloyds. Dont over read forrums and google about it bc its all so scary to read and sometimes its not actually that bad. Just open accounts now online before they end your investigation x hope it goes well for you. X

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Fleur
(@fleur)
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@sophie-2 Hey love thank you for replying x yeah so I already have other accounts so would I still need to open new ones? Furthermore did they tell you they’ve put a marker on you or did you request for the SAR from CIFA? And did they write or call you to tell you the outcome of the investigation?

What Halifax is doing is so unfair they’re not even taking it into consideration that I’m a victim too in all of this sigh! And thanks for that hun I can relax a little bit because I have been really worked up because I was so clueless about all of this until now.

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Sophie
(@sophie-2)
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@fleur ive was the same. I was so stressed i was crying non stop. If you have other accounts hopefully it wont affect anything at all. Halifax will not tell you the outcome ir if u have a marker, they’re so fucked. They will literally just give u a letter to say theyre shutting the account. Just on the safe side though, do open a basic account just incase x and no problem hunni, i know its shit but it will be okay x

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Sophie
(@sophie-2)
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Ps. I couldn’t request from cifas as I genuinely have no valid passport atm, i have my old ones and cant afford to renew for £100 ?x

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Fleur
(@fleur)
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@sophie-2 awh oh no! Well as long as your accounts are still standing you’re good. When you do get your passport you can request it to confirm. X

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Megan
(@megkaputo)
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@fleur hey hun, I just wanted to know what the outcome was or if it’s still ongoing.

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DzKz
 DzKz
(@dzkz)
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@sophie-2 I’m new to this and I also have been in that situation, and all I wanna say is that if Halifax closes your account you won’t be able to bank with Llyods, and another bank that is owned by it (i reckon Bank of Scotland if i’m not wrong) but at the time being I have a hsbc account and it’s been open for almost a year now so yeah.

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Sophie
(@sophie-2)
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@dzkz hey thanks for taking the time to reply. I had my letter from halifax yesterday saying my account will be closed in 60 days. But thing is ive opened a lloyds on before all of this happened. Does that mean theyll shut my lloyds one too even if its not been under investigation or anything like that?

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DzKz
 DzKz
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@sophie-2 I believe so as I had a halifax, which went under investigation and my llyods which I opened few days after the halifax was subsequently closed as well, since LLyods owns Halifax and Bank of Scotland so essentially those three cannot offer you their services no longer. So unfortunately it'll be shut down unless you get lucky and for some odd reason it doesn't occur.

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Sophie
(@sophie-2)
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@dzkz ive opened one successfully with nationwide too so im guessing the nationwide one is my best bet

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DzKz
 DzKz
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@sophie-2 that's good then.

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Sophie
(@sophie-2)
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@dzkz sound, thank you so much man ✌?

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DzKz
 DzKz
(@dzkz)
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@sophie-2 love ❤️

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DzKz
 DzKz
(@dzkz)
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@sophie-2 how does this website works actually?

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Sophie
(@sophie-2)
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@dzkz tbh with u i dont even know ? obviously when i found out about my bank and stuff i googled everything and i found this website and i seen that a lot of uni students go thru the exact same thing thats probs why a lot of them ask questions here in forums. So for me to ask and post stuff on here i had to make an account and thats the inly reason why i ended up here ?

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DzKz
 DzKz
(@dzkz)
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@sophie-2 ohhh okok, no worries ? ?

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manlikeme1
(@manlikeme1)
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@sophie-2 I have a fix for this and it works well especially if you’re trying to get a cifas off ur name and open any account u want I don’t want to talk about it on here u might’ve sorted it out but there’s a way to fix this

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Sophie
(@sophie-2)
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Jubayer02
(@jubayer02)
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@sophie-2 did he tell you how?

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Sophie
(@sophie-2)
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@jubayer02 no he ddnt reply

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Megan
(@megkaputo)
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@sophie-2 btw are the accounts you opened still working? And if so how long for since you Halifax was closed. I have a massive fear that any I open will be closed not long after investigation.

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Jubayer02
(@jubayer02)
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@manlikeme1how’d you fix it?

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JeremyClarkson
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(@jeremyclarkson)
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All banks will see this marker. Presumably you have good reason to be wary of your parents and what they might say? Yes it causes an issue for student loans if you dont have a bank account to pay it into.

You can see most dont like cifas.
http://www.ukbankaccounts.co.uk/

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Guest
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@jeremyclarkson

how does this answer his questions in any way bro?

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JeremyClarkson
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@blehsheh

I gave some actual sources at least

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Guest
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@jeremyclarkson

Irrelevant sources instead of providing a solution

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Brudda Bro
Posts: 13
Topic starter
(@bruddabro)
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@bleh @jeremyclarkson

So confused what to do right now

I did look into the online cards but is it true that it will raise suspicions? That's the LAST thing I want to do

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Guest
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@bruddabro

it doesn’t raise suspicions millions of people bank with online banks daily its a banking preference and if that were the case i would’ve got rejected from uni ages ago 

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JeremyClarkson
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@blehsheh

Dont listen to this guy he's a troll

Ive met people personally whove been affected by a similar situation and they get judged for getting cards like that + its not a simple process putting money in and taking money out, think about it the banks aren't tangible you cant visit a "Monzo bank"

Try your best to go back to a mainstream bank even if your original bank wont take you back

I read 2 banks rejected you but try a few more, might be worth it

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Guest
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@jeremyclarkson

shame on you for spreading such false information to this worried individual

you don’t get “judged” for having an online bank

secondly its literally that easy to put money in and out 

like i said DO NOT attempt to reapply to banks as they do HARD CREDIT searches on your account and too many rejections which will inevitably be the case because of your CIFAS marker can lead to an investigation

im speaking from EXPERIENCE this man is speaking from “people he knows” shame on this dirty misinformer

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meljohn1
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@blehsheh i am in the same position as the guy who posted first. ive seen on another forum someone said they was rejected a student loan but u got yours. did you get a student loan just the 9k or did u get a maintenance loan aswell. im moving away from home and im very worried i wont get the full loan

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EthanDaKeed
(@ethandakeed)
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@meljohn1

If you open a monzo and enter the details of the monzo when applying for sfe you should get the full £9250

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Studenttoo
(@student-too)
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@blehsheh I totally agree with you the I recently disputed it and was told that they won’t remove it

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Guest
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@boy-wonder

hi there, sorry to hear about your situation.

how long ago was this? Im surprised you’re able to still have a natwest and an online bank. With me i only had one account which was then closed due to the marker but it seems you had 3 active at the same time so im not quite sure what will happen to your other accounts as a result of the marker. I suspect IF they were to do a hard credit search on your account then it could be closed as well. 

however you should have no problems with your online bank account (not the natwest one) and in the future signing up with other online banks as many of them don’t do credit searches so my advice would be to use online banks from now until your cifas ban is over.

 

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Studenttoo
(@student-too)
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 and Monzo was taken control of.

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Don24749
(@don24749)
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@guestleaving i need help too got a marker by Cifas and i will dispute it but cannot make any other bank account. Im so stressed out is there any account i can make in the meanwhile. I have wages from work etc. Please someone help me

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sakebul prachu
(@sakebul-islam)
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Posts: 75

@don24749 Bro apply for a virtual bank card e.g. Monzo, Starling etc. 

1. They don't do credit checks
2. They help you build your credit score.
Try to contact a lawyer and tell everything, email your bank manager and try to convince him to withdraw the CIFAS mark. If he doesn't do that, you just have to stick with a virtual card for 6 years. I'm sorry 🙁 

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EthanDaKeed
(@ethandakeed)
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@sakebul-islam

If he legit got a CIFAS marker, no point even contacting a lawyer lol

People sometimes even use these online banks like monzo etc over traditional banks @don24749 if you get one of them, you'll have no problems with wages from work etc.

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Don24749
(@don24749)
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@sakebul-islam i tried applying for Monzo it didnt work. At the moment I have a Tide account so will have to see if this works. Im speaking to a legal advisor will take it further. Bro is there any way I can contact you im really stressed out.

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Teeee
(@teeee)
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@jeremyclarkson online banks don't raise suspicion  come on man ?

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Leanorad
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(@leanorad)
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Speaking from experience is powerful, I would personally align with what @blehsheh is recommending.

1. Come clean to your parents about it

2. Explain the consequences (the 6 year ban, bad credit score for a while, etc)

3. Get an alternative banking account (Monzo, etc.)

With these steps, you won't need to look back at this mistake in your life and you'll be able to get a loan from Student Finance for university.

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Sameer
Posts: 3
(@sameer-2)
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Joined: 2 years ago

Hi

I have a similar situation. Long story short, gave someone my card and did £300 fraud on it, and fraud marker for 6 years and this was last year.

couple of questions which are stressing me

1. Currently 18, will buy a car soon and will be applying for insurance, will I be able to pay for it yearly or will I be able to take it out on someone else’s name?

2. Will this affect my future like a job I will apply for or an apprenticeship?

3. Do I have to worry about it for the next 5 years? I ain’t doing anything which will be credit based but basically getting a new job or getting insurance on my car.

4. Once it’s done, do I have to build my credit or do I have to do anything to get credit again 

5. I did a check my file thing and it showed I had no fraud alerts against my name but talked to an ombudsman and I do? Does it usually do that?

 

Will appreciate someone who answers my questions, thanks really much, just really stressed out and feel like my life has been ruined

Reply
Cofs
 Cofs
(@cofs)
Joined: 3 years ago

Eminent Member
Posts: 21

@sameer-2

Once you open an online bank account, you can pretty much do everything you've asked (pay for insurance, get a job, etc). Only thing you'll find tricky is getting a loan.

Once the ban is over, I'm pretty sure you're gonna have bad credit, so yeah you'll most likely need to build your credit up once your ban is over

And where did you check your "file"? With CIFAS? Or elsewhere? (Before ombudsman)

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Maimuna
(@maimuna)
Joined: 9 months ago

New Member
Posts: 2

@sameer-2 hi I was wondering if u ended up getting access to student loans and stuff and if u could please help me with this by giving me some advice

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Sameer
Posts: 3
(@sameer-2)
New Member
Joined: 2 years ago

Hi,

So I shouldn’t worry too much then? Do you think there is a chance my bank can close or is it fully open now. Had no issues with them atm and keeping everything safe. I don’t think I can get insurance though cause it has to be annually payment instead of monthly if I’m not wrong. But I can’t get a phone contract aswell? Does my marker got anything to do with my credit score?

 

thanks

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Cofs
 Cofs
(@cofs)
Joined: 3 years ago

Eminent Member
Posts: 21

@sameer-2

I'm not sure where you got the impression that you can't make annual payments from an online bank. Online banks like monzo etc give you debit cards. This means you can pay for anything annually as long as you have the correct amount of money in the account.

Reply
Sameer
(@sameer-2)
Joined: 2 years ago

New Member
Posts: 3

@cofs not annually, monthly. I saw on a forum u can’t make monthly payments for insurance. So I should I not worry of my bank account closing? Will the bank know that I’ve got a marker against my name?

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JeremyClarkson
Posts: 29
(@jeremyclarkson)
Eminent Member
Joined: 3 years ago

Lol. You're all mad because I'm being realistic.

Reply
munashe
Posts: 1
(@munashe)
New Member
Joined: 2 years ago

Guys I’m in same situation someone did that with my card I can’t even open online Current account with monzo etc. Anyone please help. I can leave my socials here 

please contact me on ig @ kevin_pronto

please guys I’m stressed, i did manage to get a visa card with suits me bank but it’s shit. Does mean I won’t manage to get a bank account  for 6 years?

Reply
Maimuna
(@maimuna)
Joined: 9 months ago

New Member
Posts: 2

@munashe hi I was wondering if u ended up getting help as I'm the same situation and would like some advice

Reply
mohammed
(@mohammed-7)
Joined: 9 months ago

New Member
Posts: 1

@maimuna hi I was in the same situation as you I got my cifas marker removed by my bank if you need any advice message me on Instagram @yrtuned 

also don’t worry I understand the stress u must have thinking ur life is ruined but it’s not there are many way of accessing banking without the the mainstream ones such as prepaid 

Reply
Bowlby
(@bowlby)
Joined: 2 weeks ago

New Member
Posts: 1

@mohammed-7 hi recently same thing has just happened to me….i honestly didn’t even commit fraud I just received a huge sum and made transactions and my bank conducted an investigation which has now lead to them closing my account. During the investigation I made a new account with Halifax but now they are also saying they are closing it. Honestly my emotional wellbeing is affected heavily because of this as now I won’t be able to go uni. Please if you can help in anyway then do. Thank you

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Dylan
(@dylan-3)
Joined: 2 weeks ago

New Member
Posts: 1

@mohammed-7 how did u get the marker removed?

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