Identity theft fraud is on the increase. In 2017 there were a record 174,523 cases of identity fraud.
There are three large UK databases aimed at alerting lenders to possible fraudulent applications for borrowing: National Hunter, Cifas and Sira.
Cifas has warned that Facebook, Twitter and LinkedIn are a “hunting ground” for identity thieves,
Many people will go their whole lives without ever needing to know anything about these fraud databases, but there are three situations where you may want to find out more:
- if you are being asked to supply a lot of extra information whenever you want to borrow some money;
- if you have been rejected for credit and can’t think of any good reason why this might have happened; and
- if you have been the victim of identity theft and you want to stop it happening again.
1) You are being asked to supply more information
If you try to take out a new mobile contract or sign up in a shop for a 0% deal on a new carpet you are buying, then you are contacted later and asked to send proof of identity/proof of address, this may be a sign that your credit application has been flagged as needing more checks. The creditor could have been alerted to possible fraud concerns by running your applications through one of the fraud databases.
(NB I’m talking about something unusual here – if you apply to open a bank account or a savings account, you normally have to provide proof of identity/address. This isn’t fraud prevention – although it does help with that – it is part of the standard money-laundering checks banks have to make.)
If this happens once it’s probably no big deal – after all you do want lenders to make checks otherwise there will be a lot more identity theft than there is at the moment. But if you find it’s happening a lot, you might decide to find what is on the fraud databases that could be causing this – see below for how to do this.
2) You can’t imagine why you have been rejected for credit
If you are turned down when you apply for a loan, credit card or anything that requires a credit check, you need to think why. There are many possibilities and although having a problem entry on a fraud database is one, it is pretty unlikely, so you should look at the more common reasons first:
- debt problems such as CCJs, defaults, late payments etc on your credit history with any of the three Credit Reference Agencies (CRAs)? Here’s how to check your credit files;
- check the personal information on your CRA records is correct: names, address, old addresses, on the electoral roll (lenders think this is really important, so sign up if you aren’t!);
- credit score problems with anyone you are linked to financially? Try to de-link from anyone you no longer live with or who has a poor record;
- you have too much borrowing already for your income – this is a common reason for being refused a large consolidation loan;
- have you got too much spare credit?
- too many recent credit applications? Don’t make any more for a few months!
- little or no credit history? Lenders like to see that you are good at managing credit, so it can be hard to get anyone to accept you at first. Try a low-value monthly mobile contract or talking to your own bank. If they don’t accept you, consider a “bad credit” credit card – be careful as these can be traps for the unwary.
- previous history with the lender. If you had debt problems a long while ago with this lender, the lender may still have records of these even if they have disappeared from your credit file.
But if your credit record appears fine and there don’t appear to be any other reasons why you should be turned down then it is a good idea to check the fraud databases, see below.
3) You have been the victim of identity theft
Look out for anything unusual:
- debts on your CRA reports that you don’t recognise;
- getting letters/emails/phone calls from lenders or debt collectors about credit you didn’t ask for / accounts you don’t know you have / goods you didn’t order. Even if these are saying that you have been refused credit, you should follow up on this as the fraudster may try again and succeed;
- payments from your bank account or credit cards that you don’t recognise. Of course this may just be a payment you did make where you don’t recognise the company name, but it’s better to check up on mystery lines to be sure;
- regular monthly bank account or credit card statements do not arrive;
- a debit or credit card expires and you haven’t been sent a replacement.
If you spot one identity theft problem, there may be others. You need to check all three CRA files for entries that you don’t recognise and it’s a good idea to check both fraud databases.
See Loans taken out in your name for details of one reader’s problem and my suggestions for tackling it.
Checking the National Hunter database
National Hunter keeps records of credit applications to the 50 lenders who use its system – at the moment it has about 630,000 records. Lenders then check this when they receive a new application, looking for inconsistencies. The idea is that someone who is applying for credit in your name may not know your date of birth, middle name, marital status, income etc, so if a National Hunter check throws up something which doesn’t match, the application can be looked at in more detail. Obviously this could generate flags where there isn’t a real problem – using a nickname, not a full name or if you have just received a large pay-rise. The aim is for the lender to make further enquiries, not automatically reject an application.
To check what information National Hunter have about you, you need to make a Subject Access Request, which they have to reply to within 40 days. Use the National Hunter SAR form and enclose the proof of identity required. there is now no charge for this.
This information may show nothing interesting – you recognise all the applications and they all look correct. Just because your application is on the database doesn’t mean that it is suspected of fraud. But if there are applications held which you didn’t make, this could be identity theft and you need to look into it further.
The other possibility is that a lender appears to have recorded something incorrect about you – this is much rarer. For example, a lender may have recorded “hidden buy to let” against your mortgage application, which could result in you being rejected for other mortgages. If this happens you need to ask the lender to correct the information, not National Hunter who are only holding what is reported to them. If the lender refuses to correct information, complain to the ICO.
National Hunter retains information depending on how the lender flagged the information:
- for 6 months – applications marked with an overall status of ‘Clear’, i.e. the lender has no concerns on the data provided within the application;
- for 3 years – applications marked with an overall status of ‘Inconsistency’, i.e. the lender has identified a discrepancy between the information provided by the applicant and information found, or not able to be found or verified elsewhere;
- for 6 years – application marked with an overall status of ‘Refer’, i.e. any National Hunter member who accesses this record may wish to contact the original loading member for further information if required. The reason for the refer status is usually included within the data held.
Checking the Cifas database
When a Cifas member identifies a fraud, a warning is placed on the Cifas database. This shows the name used in the fraudulent application. If this is your name, it doesn’t mean that you are suspected of fraud, just that someone has used your name. So if you apply to another Cifas member, they will get a message saying Cifas – Do Not Reject – Validation Required. This could be why you are being asked to supply additional information when you apply for credit. By requiring extra proof of who you are, it is protecting you against further fraud.
To check if Cifas is holding any information with your name on it, you should make a Subject Access Request, using the Cifas SAR form and enclose your proof of identity. They have to reply to within a month but aim to reply within a week. There is now no charge for this.
If you disagree with some of the information held by Cifas, you should first try to get the lender to correct it. If this fails you can ask Cifas to look at the problem. You can also take your complaint about what the lender has done to the Financial Ombudsman – the February 2017 FO Newsletter includes some case studies about Cifas markers.
Cifas retains information relating to fraud for six years. Victim of Impersonation date is retained for 13 months.
Checking the Sira database
The National Sira Fraud Prevention database holds c 1,500,000 records. If you want to see if any information is held about you, complete the SIRA SAR form. and supply the relevant id information.
Cifas “Protective Registration”
If you have had identity theft problems, or perhaps you are just worried that you could have if you know some personal information has been stolen, then to try to prevent them from happening in the future you can ask Cifas for Protective Registration:
When you request Protective Registration, we place a warning flag against your name and other personal details in our National Fraud Database. This tells any organisation that uses Cifas data to pay special attention when your details are used to apply for their products or services. Knowing you’re at risk, they’ll carry out extra checks to make sure it’s really you applying, and not a fraudster using your details.
This will make it harder for anyone to take out credit in your name. You won’t be refused credit because you have asked for Protective Registration, but the process will be longer and you may have to provide additional information. Protective Registration lasts for two years.
More Debt Camel articles:
Consolidating with bad credit?
De-link financially from your ex
Thinking about hard debt choices
Ali J says
Santander added my name to CIFAS and Nhunter database. halifax added it to Nhunter database only.
this was an error and after [edited: arguing] for 6 months both banks apologised and removed the markers.
They offered me couple of hundred pounds for my inconvenience. however, my losses exceeds 6 figures as the home survey report on one the house i tried buying during this nightmare says the house value will go up £100,000 when renovated.
[Edited:]
Do I now have any options to take them to court and How?
are there any specific law firms that have expertise in this area?
Many Thanks
AJ
Sara (Debt Camel) says
I agree £200 is too low an offer. I suggest talking your case to the Finacial Ombudsman.
I am sure a house may have gone up 100k in value, but realistically that would have required you to spend a significant amount of money and time so that would not be pure profit. There is no way you would get that much compensation.
But it would be reasonable to ask to be reimbused for at least your lost costs – legal, survey, searches etc.
AJ says
Financial Ombudsman have people without any experience looking into matters as a third party customer service agents and often sides with the banks/companies
therefore i m not really confident.
and the cost of renovation was nothing more than 10-15K it was generally a very good deal as both husband and wife died and family wasn’t interested to keeping the big house. also i have invoices due in thousands for advisors who helped me fight the banks.
i got a mortgage approved within 10 days of removal of my name from the database. i lost so much of my deposit to the rent which i could have avoided which my rent is twice the mortgage payments.
the mortgage was approved in the first place and near to the exchange of contracts santander pulled out
the distressed caused also led me to depression. i have been taking therapies and aniti depressants for a year now.
whole family turned on me thinking i had done something wrong
the banks could have avoided all of this by asking more questions instead the decided it was easier to just out my name on database not knowing how much it can affects someone’s life.
Irfan says
Hi Ali
How we can fight with the bank, i have similar views on Financial Ombudsmen, they are not helpful. What are the other options we have ?
Please let me know.
Thanks
Irfan
Sara (Debt Camel) says
As he explained, Ali J got his defaults removed by convincing the bank they were wrong.
He did not “fight with the bank”.
I suggest you follow the same route. Try to convince the bank and if that doesn’t work, go to the Financial Ombudsman.
Your only other option is court. To do that you need professional advice from a solicitor.
max says
Hi, me and my partner are in similar situation. We have just been refused a mortgage and after request of info from N Hunter it became apparent that our names have been flagged up to lenders.
I am now looking for the ways to contact bank and get hem to remove information. It was also Santander who flagged us up.
Can you suggest how and who you contacted
Ali J says
Mortgage and loan applications
Santander operations
Bridle road
Bootle
L304gb
I totally understand what you are going through. Dont stress, take things slow and write to them. It will really help you if you can get the CiFas report as it will have more information about why they have flagged your name.
I hope things get sorted as soon as possible.
Goodluck 👍
Noman says
Hi AJ,
Good to see that your name has been removed from these databases. Halifax has put my name on National hunter stating inconsistency on salary, as me and my wife both have 2 jobs. They didn’t ask any questions or anything and just put our name on nhunter database.
I have written to Halifax and they didn’t give any reason so i went to Ombudsman. Just wondering which advisers did you use as i am desperate to buy specially now that stamp duty is being removed up to 500K which will save me a good amount of money.
Did you win your case through ombudsman or directly through bank ? I am waiting on ombudsman to come back to me with bank reason and banks didnt tell me anything.
Thanks
Ali R says
Hi Sara .i applied for mortgage through a broker in 2017 offer came & vendor refused to sell the house to me . Mortgage held there . before I’ve found another property Santander send me a letter the mortgage not available. I’ve contacted them the reason. They told its head office decisions. Until this year I’ve tried with a different broker . different bank . underwriter declined. I found out I’ve got false income on my National Hunter. I’ve requested from Santander to remove the entry . They refuse to do so . Fraud done by broker with out me knowing . Now I have difficulty to option mortgage. what’s the solution to remove.
Many thanks if you reply me plz
Sara (Debt Camel) says
If you think the fraud entry is unfair, you can take your complaint about Santander to the Financial Ombudsman. This has to be done within 6 months of your complaint being rejected by Santander.
Ali R says
Thanks Sara you are very helpful
A guy name is Ali J had two entry on the National Hunter . As he said after 6 months of argument they removed. I wonder how can I get hold of them to use he’s method . Left message here a few times. Had no reply.
I wish you could help me in this matter too .
Looking forward to hear from you.
Kind regards
Ali
Sara (Debt Camel) says
He said in his comment that “both banks apologised and removed the markers”. So he persuaded the banks that it was wrong to add this marker. He probably doesn’t read this page any more.
Ali R says
Thank you Sara
He did say that & how he fight with banks . That’s what I wanted to know . I wonder if any email address left here that I could use to email him .
Thanks
Sara (Debt Camel) says
No sorry, I won’t pass people’s personal email addresses on.
But this probably wouldn’t help you anyway. Each of these complaints is completely individual. The reason he felt the marker was unfair will probably have nothing to do with your case. there are no “magic words” to use here, no piece of legislation to quote. You just need to say why you have been treated unfairly.
And as Santander have already rejected your complaint, go to the Ombudsman.
Ali R says
Thanks Sara I’ve understand it .
I was thinking what was he’s way of faught lots of way to fight them . But it’s good to know how .
Thanks
Sumera says
Hay Sara
My partner name in cifas .last year we apply mortgage but was refused. They found Halifax put my partner name in cifas that was really unfair.what we can do.name in cifas will be problem to get car insurance. If we cant our life will distoy.
Sara (Debt Camel) says
If you think this is unfair, you should complain to Halifax and take your complaint to the Financial Ombudsman if Halifax reject it.
Max says
Hi Sara,
I am looking for further clarifications as to why NHunter report say inconsistency and SIRA (Synectics) says refer on the same case? I know that inconsistency on NHunter lasts for 3 years and refer mark stays for 6 years. How about SIRA (Synectics)? Thank you for your help in advance.
K says
Hi I am in a situation where 2 years ago, I stupidly got involved with the wrong people and fraud was done on my Barclays account. My account was closed and At that time I had a Santander student account I never used but started using that instead. 2 years on everything is going fine and I call up Santander one day enquiring about an error on my balance, they said everything would be good and then 10 mins later I get a call that they are blocking acccess to my account because of a marker from CIFAS. they’ll let me know what happens in the next few days but I’m scared they’ll close this account too. It’s been 2 years and i have done nothing wrong since, I’ve been good Paid my bills, even opened savings and a help to buy USA with no problem then this occurs. I just got paid from work as well and can only take money out from branches at the moment. I’m stressing out because I think they think I’m some sort of risk. I wanna know if there’s a even a chance they’ll let me continue banking with them?
Sara (Debt Camel) says
Possibly, but I can’t say it is likely. A bank can decide to close someone’s account if they want.
Sami says
I left the UK back in 2015 and came back recently at the time I only had two credit cards in my name for which some payments were missing because of my long absence from the country. My time away has caused me a few problems one my account has been closed and I have 3 CCJ in my name. Second I went to open an account in a few banks but after opening it they close it the next day even the accounts with very basic facilities and bad credit. I am really worried and stressed out because I don’t know what to do. I checked with clear score and I can see there are multiple accounts and credit card opened and closed in my name. Without a Bank account, my survival is really difficult at the moment. Any advice would really help. I am wondering if my name is red-flagged and Is there a way that the red flag can be removed?
Sara (Debt Camel) says
If you have applied for a basic bank account, and been refused, you should ask the bank why.
If there are entries on your clear Score report that you don’t recognise and you think may be fraud, contact ClearScore and tell them: https://contact.clearscore.com/hc/en-us
Also read https://debtcamel.co.uk/loans-using-your-name-stop-identity-theft/.
You can also check the Cifas database, see Checking the Cifas database in the article above.
Jansel says
Hi Sarah would like to get your opinon is well me and my partner applied for morgage with Tesco which was declined without explaining why is been declined I have written national Hunter to find out which came saying false employment status and it says refer I have called Tesco they said we can’t do anything shall I fight with them to remove my name as it says on the letter ‘refer’ which is 6 years my solicitor said even after 6 years your name will be still there please give me some advice what to do thanks
Sara (Debt Camel) says
Which bank has put the false employment flag on the National Hunter database, is it Tesco because if something in your mortgage application or did they see a flag put there earlier by a different lender?
Sumera umair says
Hay sara
My hasband name in cifas on first party frud we apply joint mortgage application which was refused last year.now i am afried is it effect my hasband car insurance we buy car next month
Many thanks
Sara (Debt Camel) says
I don’t know, sorry.
Bronthin says
I have recently Applied to a bank called HOLVI for a business account and they initially accepted my account online but when they requested the ID verification they came back to me via email stating they where closing my account due to a cifas fraud marker on my file with CIFAS.
So I applied for my file under a SAR from Cifas and I received the paperwork last Saturday. It stated that back in 2015/2016 I had been the victim of ID fraud and a person or persons had applied for various accounts in my name using false details, it was listed by Cifas as a “False Identity Marker” I was already fully aware of the markers on my file and the fact they did not affect my recent credit applications because the credit companies always asked for further information from me to verify it was me applying etc. HOLVI did not do this , they re required to do this by law and not just reject the application out of hand . The attitude and replies I have had from Holvi are basically calling me a fraudster. This can’t be correct surely??
Sara (Debt Camel) says
well you can complain if you want, but it may be simpler to find a bank that actually wants your business>
John Smith says
Hi Sara,
My bank accounts were recently closed without notice. I had made a few cash deposits just prior to that. The bank wouldn’t tell me anything as to why they did this and treated me like a criminal!
They took 3 months to release my funds which have just recently been credited to my new account. The description next to the funds credited in my new account statement shows” Suspected Fraud”. Could they have reported me to CIFAS based just on mere suspicions?
Sara (Debt Camel) says
I don’t know, I suggest you ask Cifas what information they hold about you.
Lisa says
I was wrongly accused by barclays of fraud as someone used my account to send money in and withdraw it without me knowing. I do not know the people and was not in the location where they withdrew it at the time. I want to know how long the fraud marker will be on my file as this is affecting my life!
Sara (Debt Camel) says
Have you put in a complaint to Barclays? If they rejected it, did you take it to the Finacial Ombudsman?
Anthony says
I had a CIFAS Marker (first party fraud) against my name in July 2014 due to a co-tenant using my details to obtain credit. I have unfortunately lived with it and I understand that this stays on for 6 years. Will my name automatically drop off the register or do I need to apply for it to be taken off on the 6th anniversary next month?
Sara (Debt Camel) says
I haven’t heard of anyone having to apply for this to be done.
Anthony says
Thanks. Shall I take it that it’ll automatically drop off next month? I haven’t found any CIFAS article or FAQ that addresses this.
Sara (Debt Camel) says
You could ask Cifas? Or send them a SAR (see article above) after a month to see if your name is still there?
Nalin Milroy says
Hi Anthony,
I have the same issue and my 6 years will complete by end of Sep 2020. Did you checked the National Hunter database to see your name cleared from there database? I hope they don’t keep records after 6 years and we don’t need to do anything to clear our names from the National Hunter database, Please Advise!
Many Thanks,
Milroy
Tanbir says
Cifas has removed my fraud marker so will I be able to open up a bank account elsewhere?
Sara (Debt Camel) says
I would hope so. Obviously avoid any bank you have had problems with in the past. If your credit record is poor you may want to apply for a basic bank account.
Tanbir says
If I apply for Halifax will they get all information of Lloyd’s because both banks are teamed up My Lloyd’s application got declined when I had the fraud marker on
Sara (Debt Camel) says
You should assume that may happen.
Tanbir says
I haven’t opened any application with natwest or rbs or halifax or Yorkshire bank literally Idk what to do I’m worried what if my application get declined again
Sara (Debt Camel) says
why not apply to a completely different bank?
Tanbir says
What do you mean? Give examples which bank ?
Sara (Debt Camel) says
There is a list of basic bank accounts here: https://debtcamel.co.uk/bank-accounts-after-bankruptcy/
Tanbir says
I applied for Halifax account it got declined again :(
Sara (Debt Camel) says
I said you should apply to a completely different bank.
Tanbir says
My application for nationwide flexbasic application has been approved
We’ll see what happens next
Ali Rezai says
Hi Sara
In 2019 my application for Mortgage has been declined by NatWest & came up on National Hunter. Conflict employment details staged income , the marks in inconsistency which will stay for 3 years . Now can’t wait 3 years for mortgages. Ask them to prove it has been staged income . Or remove the marks . They ask me to give them 5 days to call me back . As I have all the evidence for employment details plus what would the best root to take . Looking forward to hear from you.
Thank you
Sara (Debt Camel) says
if you think it’s wrong then you are right to challenge it. If NatWest refuse to remove the National Hunter record, then you can take your complaint to the Finacial Ombudsman.
Ali Rezai says
Thank you . We had discussion about these matter before. I’ve just made my Complanits to Ombusdman against Santanader which they load as false income . now I have just start challenging the NatWest . If Ombusdman can’t do anything. What sort specific Solicotors could lead these sort of cases . I’ve been in contact with several Solicotors, seems no one knows where to start . Nor what to do .
Looking forward to hear from you,
Kind regards
Ali
Sara (Debt Camel) says
I suggest you cross that bridge when you come to it. Put your effort into convincing the Ombudsman that you are right.
Ali Rezai says
Thank you ,
They have all the evidence,
But do I have To keep calling them , or It’s best just leave it with them ,
Thank you so much for help & advice
Sara (Debt Camel) says
You have sent them a complaint with your evidence, they have 8 weeks to reply.
Elle Tr says
Hi Sara,
A friend of mine was listed on CIFA under the fraud category around 2 years ago. Reason being was that legitimate money was transferred to her account from a sanctioned country. She showed evidence including a certified letter from a solicitor of that country that the funds were legitimate (it was a sale of a property) but because it came from a sanctioned country, they put her on the cifa list. It’s quite unfair really… anyways, she’s had a few things going on and we are now thinking of complaining with the bank (after 2 years of the incident) then taking it on to CIFA if the complaint won’t be resolved. I was just wondering, will my friend be able to open a bank account after 6 years (if CIFA or the ombudsman take the bank’s side)? Please note this is Metro bank we are talking about. Or will my friend be banned for life from opening a bank account unless she sorts it out with CIFA or the Ombudsman?
And are the steps to proceed as follows:-
Complain to bank
Complain to Cifa
Take it on to Ombudsman
Or is it best to instruct a solicitor?
Thanks.
Sara (Debt Camel) says
I would skip the complain to CIFAS stage, so complain to the bank and complain to the Ombudsman.
Noman says
Hi Sara,
I hope you’re well. Me and my wife applied for the mortgage in November 2019 through Halifax and they refused the application. our broker again applied the mortgage trough HSBC as he said you will get mortgage through them and we got a refusal through them as well. I spoken to on e of my friend and he advised me to check my name under CIFAS and National Hunter. I found out that Halifax has put a INCONSISTENCY marker against our names in National Hunter and reason they put is inconsistent salary. Me and my wife both have 2nd jobs and we are not sure whether they have put a marker because of that or what. we asked Halifax for the reason and disputed that we can prove all the salary we are receiving etc if you would have asked us. On our complaint to Halifax they refused to give us the reason why they have added this marker on National Hunter and refused to remove it. I went to ombudsman in February 2020. I received and email confirmation about my case in march and then an another email end of April saying i need to wet sign the complaint form as i applied online. Me and my wife signed the form and sent it through email and got a response that i will take approximately 4 months before they assign a case worker. My question is does it take that long or what are my options ? Its been more than 3 months and i am still waiting. can i escalate this ?
Thanks
Sara (Debt Camel) says
You have done the right thing by taking your complaint to the Ombudsman.
I don’t think there is a way to speed this up.
Noman says
Thanks Sarah for your quick response, i appreciate that. Its a sjame that i can’t escalate this despite been waiting for 3 months just to hear from a case worker. God knows how long it will take bank to accept they were on wrong as they didn’t ask us anything and placed the marker. I will wait till end of this month and will chase ombudsman if i don’t hear from them. I will keep everyone posted about the outcome of my case.
Sara (Debt Camel) says
Most of the delay so far has probably been the Ombudsman waiting for the lender to send over the case file. In lockdown this has been slower than normal.
good luck and let us know how it goes?
Noman says
I understand that these are not normal times. I will give a nudge to Ombudsman towards end of this month and see what they have to say. I will definitely keep everyone posted.
Thanks
Noman says
Hi Sara,
Just want a bit of second thought. I chased the Ombudsman that i have applied in end of Feb, and then they asked to wet sign the form in End of April, since than no update. They came back to me and said my case is in a queue to be allocated to an adjudicator to investigate. I asked how far i am in the queue and they replied that it is currently taking 4 months for the adjudicator to be assigned.
My questions are: Should i count the 4 months when i first made the application or when they asked me to wet sign the form. If its from start than my 4 months are already completed today. If its from wet sign then it will be end of August.
Do you think i should ask them when my 4 months are getting completed and is there any way i can escalate things once 4 months wait is over ?
I hope to hear from you soon.
Thanks
Sara (Debt Camel) says
I don’t know, there probably isn’t a practical way of you getting this speeded up. I suggest a polite enquiry once a month.
Tammy says
I have just read that some employers can now add ex employees details to these databases marking them as potential fraud risks even if there was no investigation or evidence that a fraudulent act or conduct had ever been committed. . More worryingly, is it right that employers can mark an individual that resigned from their job and leave them blissfully unaware this is why they are now being rejected for new roles, tenancy agreements, bank accounts etc?! Does anyone else not think this system is open to abuse? It is not just the banks and credit lenders that have access to and make decisions based on this data. I fear it could be a very effective tool to further victimise disgruntled employees who may have resigned as a result of some other issue or dispute, nothing at all to do with fraud!! Who do you complain to if you find you have been added to list by a previous employer? Many people would probably not find out until well after the time limit allowed to claim in an employment tribunal? Interested to hear what others think or be corrected if my understanding is wrong??
Sara (Debt Camel) says
Where did you read this?
Tammy says
On a site advertising jobs in the civil service, it states that as part of the application process they will run checks against these databases and specifically look for entries made by previous employers flagging their previous employee as a potential fraud risk even if they resigned with no fraud allegation being upheld or proved. I read this on jobs adverts for the foreign and commonwealth Office.
Sara (Debt Camel) says
It sounds odd. but if it hasn’t affected you, I suggest you don’t worry about it.
Tammy says
As a newly qualified lawyer it worries me greatly…
Naz says
Cifas fraud entry on my credit score is removed so will I be able to open a bank again and what if they see my previous reports will they reject the application?
Sara (Debt Camel) says
If that was the only reason you were Rejected fir a bank account, you should now be able to get one. I suggest you apply to one bank you have not previously applied to. And Jc your credit score is poor, apply for a basic bank account.
Zdb mani says
I recently had a wrongfully applied marker removed, do you know how long it takes to update on the credit report because apparently it isn’t instantly. I want to know how long I should wait before applying for a new account
Sara (Debt Camel) says
I suggest checking it has gone in a month.
Ali Rezai says
Hi there
May I ask how did you apply for market to be removed & I have similar issue .
reply me please
Thanks
Susan says
Dear Sara,
I was accepted for mortgage in Halifax bank then it was cancelled last minute whist waiting for a surveyor . Halifax then put my name in national Hunter. I have requested for my file from them through freedom of access information, i complained to Halifax they declined my complain and ask me to go to ombudsman if i am not happy . I have put a complain to ombudsman. I also got the mortgage with santader . my application was in September 2019 and santader approved my mortgage in October . I was told by Halifax being on National Hunter will not affect me . i have realised this is not true because I applied for car loan and it was rejected . my experian credit is excellent i no have issue with credit score.
is there anything else i need to do?
kind
regards
Susan Redding
Sara (Debt Camel) says
Sending your complaint to the Financial Ombudsman is the best thing you can do at the moment.
Noman says
Hi Susan,
Sorry to hear about this. I had the same issue with Halifax as they put my name on National Hunter. I am now waiting for Ombudsman to look into this issue. There is something clearly wrong with them.
Contact Ombudsman asap as it takes time.
Thanks
S.R says
Hi Norman every day I think of Halifax I feel so bad and i really dislike the bank. The only crime I did was to walk in that bank and made the application. The only thing I can think of is I have had Halifax bank for a long time but my wages were going to Barclays and I paid my bills from my Halifax account . when my friend told me that Halifax has a better mortgage deals I moved my wages from being paid in Barclays to Halifax therefore for six months my wages were being paid in Halifax before I applied for my mortgage . surely there is something wrong with them,How can I be on fraud Data base for changing where my wages are being paid? Norman did they tell you why they put you there because I dont even know why they put me there i am only speculating. I am waiting for access of freedom of information to send me the my file then I will be able to see what they have put there.
I will fight even if it means to go to court I am ready
Noman says
Hi S.R,
Halifax didnt tell me they just said they can not give me a mortgage, my broker applied through Santander and it got declined there, despite my and my wife credit ratings being top notch.
One of my friend suggested to get the information from National Hunter and CIFAS. I received CIFAS information and there wasn’t anything on there. Then i received email from National Hunter and i can see a market from Halifax suggesting “Inconsistency with Salary”. I have no clue what inconsistency they ave found as they never contacted me to provide any extra documentation or neither they contacted our employers. So i have gone to Ombudsman and still waiting to hear back from them.
I would suggest as soon as you receive your national Hunter report, go to Halifax and say what is the reason for putting this marker. If they reject, go straight to Ombudsman.
I hope this helps.
Noman
S R says
Hi Norman
Thanks for your advice when I already made a formal complain to Halifax and they declined to remove the marker and they issued me with the final letter so if I am not satisfied I could take my cace to ombudsman. I have already taken the case to ombudsman I am now waiting to get the report from National Hunter then I will take it from there. I just need to know the reason.
Thanks for your advice once again.
Kind regards
S. R
S R says
Hi Norman
By the way how did you know your name was in National Hunter? Halifax even lied to me that it will not affect me but it has.
Noman says
Hi SR,
Halifax didnt tell me, i find out myself, and they do say it should not effect you. but it does. Sara can confirm this.
Thanks
SR says
Hi Norman
I have received my file report from National Hunter. I have written to Sara on this forum please if you get a minute read what I have written to Sara and let me know what you think.
Thanks
Regards
S R
Noman says
Hi S R,
This is just ridiculous. Bank has messed up so mad and they are not willing to help. You have to send a complaint to Ombudsman with the National Hunter report and i would say attach your passport copy, your utility bills under your name, your salary slip showing your name and the corresponding bank statements to reflect the salary being coming in your account.
The only fear i have is that it is a long journey. Once you submit your application their is a wait of around 4 months and then they will allocate someone to look into your case. But good news is Bank doesn’t stand a chance and you can claim some sort of compensation as well.
Best of luck and please keep us posted. I will be chasing Ombudsman towards end of this week as my 4 months finish around that time.
Thanks
SR says
Hi Sara
If i dont get a positive answer from ombudsmen is there anywhere else i can take me case?
Kind Regards
SR
Sara (Debt Camel) says
The Ombudsman is a two stage process. if you don’t get the answer you want from the first “adjudicator/investigator” stage you can ask for it to be looked at “by an Ombudsman”.
After that in theory you can go to court, but it is usually a good idea to get professional help with that.
PS you put your full name on again – can you make sure you delete that before submitting a comment please.
S.R says
Dear Sara,
Thanks for your quick response . Yes I will wait I will follow the whole process if it will need me to go to court I will go. I feel this bank has destroyed my life .I have always looked after my finances I have never missed any payments and all over sudden I am in the fraud Data base for making an application. its shocking and very disturbing
Noman says
Hi S.R,
It is a long process, but please do keep us posted. I will share the outcome here as well as soon as i hear back from Ombudsman.
Thanks
Noman
S R says
Good morning Norman
Have you heard from ombudsman yet? I received my report from National Hunter. It was shocking to me as it stated inconsistent on my date of birth. My Address. My home phone no and my account details. This is all nonsense. This is clearly wrong all my details are correct and I did application in the branch and I took all my original documents.
The ombudsman is taking forever to contact me. I still don’t have a case worker.
Please let me know if you have heard respond from them.
Kind regards
S R
Noman says
Hi S R
At least good news is that this wont stand in front of Ombudsman and they will ask the Bank to remove these markers.
I have sent 2 emails so far to Ombudsman and the only reply i am getting is that a case worker will be assigned soon. They told me that they have requested a file from the bank and i should wait till case worker is been assigned. So fingers crossed. I will send an other email in first week of October.
I would say send a polite email every month. That is the only thing we can do.
best of luck and keep us updated.
SR says
Hi Norman
Yes I will keep you posted as soon as I hear from National Hunter.
Thanks once again. I was hoping that people who have been posting their issues here and they have had the marker removed would have shared with us on how they did it.
Regards
S R
Sara (Debt Camel) says
1) people who have won their case – or lost it – may have little interest in these comments any more and may simply not have seen questions addressed to them.
2) these cases are VERY individual. There is unlikely to have been a simple argument that worked for one person that would then apply to many others. So although you could get comfort from know that other people have got these fraud warnings removed, asking how may well not be of assistance to your case. And could be a red herring.
S R says
Hi sara
I received my file report from National Hunter yesterday. This report actually shocked me. It stated inconsistenty on my date of birth my home address and my landline telephone number. This is a big surprise to me. When I did mortgage application with Halifax I took my 3 months payslips, my 3 moths utility bills as proof of address and my passport. All these documents were originals and not photo copies. I did my application in the branch with the branch manager who took the copies and gave me back my original documents I have lived this address for over 15 years and it is the same home I was looking for a mortgage to buy. My landline has always remained the same and of course my date of birth does not change. . National Hunter report also stated conflicting salary. Again this is a shock to me. I am a care manager and my wages have remained the same for the last 4 years as I am on fixed wage. Surely how could this be? How could Halifax destroy my name over unfounded information? I am really upset about this situation. Sara can you please advise me on how to go about this now I have received the information from National Hunter.
Thanks
Regards
S R
Sara (Debt Camel) says
I think that all sound positive for your case at the Ombudsman.
I suggest you email the Ombudsman saying you now have the information from your National Hunter record and it shows that Halifax were not careful about your application and they must have made mistakes in their checking because there are so many errors in what NH has complaed to the information you gave Halifax – and list these errors.
Anthony Richard says
I have been the victim of fraud and a cifas marker was placed on my CR by HSBC. I don’t object to the marker but would like to know if the ‘victim of impersonation’ marker will remain on my CR and if so for how long. It seems to be a deterrent to lenders even if it shouldn’t be.
Sara (Debt Camel) says
It shouldn’t be a deterrent to lenders, it just means a lender will contact you when an application is received to make sure it really did come from you.
Anonymus says
Hi,
I had been forced into a contract through duress and threat from a third party. I’ve now got a CIFAS Marker on my file which has closed all my accounts. The finance company said they can’t do anything and that CIFAS may be able to help. Is it true that they can’t remove the marker due to this issue? Are their hands really tied ?
Sara (Debt Camel) says
The finance company
which finance company – the lender for the contract you were forced into?
have you had debt advice about this?
ANONYMUS says
I was forced into it by a third party individual under threat of force. I.e the vehicle taken out was not for my personal use or needed by me. I’ve explained this to the finance company and they don’t want to hear me out or investigate the matter all they want me to know is that they have satisfied cifas guidelines as application fraud was present. What shall I do?
Sara (Debt Camel) says
Have you reported this to the police? talked to a debt adviser?
If not, I suggest you talk to National Debtline on 0808 808 4000.
Anonymus says
I haven’t reported it due to fear of repercussions from third party. What can I do? To get this removed ?
Sara (Debt Camel) says
Talk to National Debtline. but if you aren’t prepared to report it to the police, there may be little that can be done.
ANONYMUS says
Do police have any power to remove the marker? Will they investigate it without my consent?
Sara (Debt Camel) says
I can’t give you advice. You need to talk about all the details to a debt adviser. Please call National Debtline.
A says
Hello, I applied for Protective Registration last week and I was wondering if this will deter employers from employing me? I’ve applied for a job in the civil service and they stated that any applicant with their details in the Internal Fraud Register will be rejected employment. Will that be the case for me?
Sara (Debt Camel) says
If the only thing on the fraud databases is that you have been the victim of identity theft, I don’t think an employer would be interested.
Samuel says
Hi Sara,
In November 2018, Vanquis closed my CC account and advised me to contact Cifas. I then realised Halifax put a marker on my name saying I received fraudulent funds in an account which I held with them. These funds was meant to be a payback of monies owed by someone I knew. I went on to dispute this with them and had financial ombudsman on board. They couldn’t help me in the end as I could not provide the ID of the person that made the transfer about 6 months later.
I have since been unable to open a high street bank account and credit cards but I still get approved for Online based banks, store cards and loans. After interval of 6months I try my luck with high street bank accounts but no success so far. My credit report looks fair 576 out of 700 on credit Karma and no indication of FIFA’s marker on the report.
Recently I bought a car from Mercedes Benz on PCP, I failed the credit check with Mercedes but Blackhorse (who are literally the same as Lloyd’s bank) accepted my application about a week after they declined my bank account application and I have the car now for over 3 months.
Why would Lloyd’s bank accept me for a car loan but refuse to offer me a bank account where I intend to save my money despite the cifas marker?
With the Marker still on do you think I’ll be accepted for mortgage?
Sara (Debt Camel) says
I have no idea why Blackhorse accepted you for credit. If you have a large salary and a large deposit and not too much debt, I suggest you talk to a good broker, but this is a very difficult mortgage market and you may struggle.
Jake says
Hi
I was done for fraud abuse of power in my old job and now I’m struggling to get a job due to this. Is my name on the cifas database and how long will I need to wait for it to be removed as my DBS shows fraud conviction
Thanks
Jake
Sara (Debt Camel) says
The article above explains how to tell if you have CIFAS or National Hunter Fraud markers.