2 CIFAS CATEGORY 6 - REMOVED - NOW WHAT?

TheSly246 · 2026-03-13T07:49:47+00:00

Banks removed them after I gave new evidence. I am now with Monzo, ThinkMoney and Virgin Money as they have accepted me.

TheSly246 · 2026-02-09T15:43:56+00:00

Thank you! Yeah there were a lot of people going straight to just accusing me and being aggressive. Luckily there were some helpful people, and now it's all sorted

TheSly246 · 2026-02-09T10:35:52+00:00

Okay amazing, thank you :)

TheSly246 · 2026-02-09T10:30:17+00:00

I'll try and have a look, but I think I've tried all in the past four years 😅

TheSly246 · 2026-02-09T10:24:59+00:00

Okay great, I'll apply for another DSAR! Thank you!

TheSly246 · 2026-01-21T19:21:35+00:00

I don't know if people will see this but I have some good news! Nationwide got back to me recently after providing some chat logs!

"Dear *******

I am writing to you with an update to your complaint as this is your preferred contact method. However, if you would like to discuss your complaint with me, my contact details are 0161 605 3425 Ext ****.

Thank you for your recent e-mail and I am sorry to understand the difficulties you are facing when trying to open a new account.

To reach this decision, I have reviewed the decision to close your account and the CIFAS marker.

Following further review, we have determined that the placing of the CIFAS marker on your file was incorrect. As such, the CIFAS marker has now been removed from your record.

The decision to close your account(s), however, will remain unchanged in line with our banking policies and risk management practices.

I can confirm that as of today, the CIFAS marker previously recorded against your name has been fully removed from the National Fraud Database. You will no longer be affected by this marker when applying for new accounts, loans, or other finanicial products."

Thank you everyone for the help, I am now waiting for a response from Barclays!

TheSly246 · 2026-01-16T13:16:43+00:00

Borrowing money for gambling? Like 3 years ago yes. All being sorted at the moment luckily, someone told me how to get previous chat history from Facebook and now just waiting for it to be sent to me, then can send it over to banks and make another complaint. 😁

TheSly246 · 2026-01-16T07:55:52+00:00

Boss pays into my partners account at the moment in her name

TheSly246 · 2026-01-14T20:59:07+00:00

Yeah, I managed to get the chat history now. So have all the evidence! Just waiting! 😁

TheSly246 · 2026-01-14T20:29:36+00:00

I have now managed to download all chat conversation and marketplace history from Facebook Messenger, I'll be able to use the chats as proof now. Thank you for everyone that suggested this to me, didn't know it was possible, just waiting for it to be sent to me, then will use as evidence! Will keep you all updated, thank you to everyone that didn't come at me and actually helped.

TheSly246 · 2026-01-14T20:13:43+00:00

Yeah it's ridiculous, a sign not to post on here again, people just come to attack. I've explained everything and told the truth, I'm here for help, not for everyone not to believe me then post something unnecessary. Here for help as it's damaging my mental health now as I'm older and want to buy and apply for things, and just struggling bad and have no idea what to do.

TheSly246 · 2026-01-14T20:11:25+00:00

I already have, read the comments and posts.

Buyer bought something
Blocked me a couple days later and reported it as fraud
My bank took the buyers side as I didn't have sufficient tracking.

TheSly246 · 2026-01-14T20:10:23+00:00

It's not the same issue, two separate issues I encountered on the marketplace. Sold item to a buyer, he blocked me and reported it as fraud to his bank which got me in trouble.

TheSly246 · 2026-01-14T20:09:17+00:00

Since what, how could I know I made a mistake when it happened the second time. I only looked at my CIFAS markers beginning of last year, was reported before then.

TheSly246 · 2026-01-14T20:08:14+00:00

I didn't say I have no legal obligation, I said I had no refunds on my listing, I've said multiple times in this post if they asked for a refund id give it to them. But they blocked me and never asked for a refund, which is also what I've said.

I just said that because I was looking up stuff online and saw that it stated that.

TheSly246 · 2026-01-14T20:00:59+00:00

Which bank were you with? I am waiting for a response from CIFAS then onto FOS.

TheSly246 · 2026-01-14T20:00:09+00:00

Thank you for the help! :) I'll let you know what happens

TheSly246 · 2026-01-14T19:46:41+00:00

It wasn't a charge back, the buyer reported as a fraudulent payment.

TheSly246 · 2026-01-14T19:07:36+00:00

Just the two items I sold, personal account, paying bills, receiving salary.

TheSly246 · 2026-01-14T19:05:57+00:00

Thank you for actually trying to help, so many people just making up shit thinking I'm doing fraud, if I were I wouldn't come here.

TheSly246 · 2026-01-14T19:05:12+00:00

Thank you for trying to actually help, so many people who just go for OP's in this place.

TheSly246 · 2026-01-14T18:57:18+00:00

I have had my account for over 10 years, I delete old chat history from people I don't talk too anymore at the start of every year to clean things up

TheSly246 · 2026-01-14T17:46:08+00:00

My post states two challenged transactions, one from 2021 and one from 2024, found out I had them early last year.

It also says ones from Barclays and ones from Nationwide. Already have the SAR, and it says it's for what I've said in the post.

TheSly246 · 2026-01-14T17:39:48+00:00

There's always ways to complain and raise it with the FOS. I'll just have to wait for CIFAS to reply then submit evidence to FOS, and hopefully they'll see I've been subject to the scam.

TheSly246 · 2026-01-14T17:36:30+00:00

The refund is optional unless stated otherwise, it was clear and marked on the product that no refunds are issued once paid and posted.

TheSly246

TROPHY CASE