Solicitor who is well versed with CIFAS issues

[BOI victim]

Hello!

I am new member for this website and I need some help.

I have a rather hard time resolving a CIFAS entry with Bank of Ireland as they do not ask for additional documents or supporting evidence and gave me a Final Response Letter instead.

When I asked how long the marker will be on my name, the manager of the complaints dept said he does not know. The manager of the complaints department is my last point of escalation as any mortgage related complaints goes to him.
He said that other personnel are not client facing and lodging another complain or a letter to CEO will go back to him.

Which means CIFAS markers remains and will not be removed and he does not know when it will be removed (if at all)
He kept asking me to go to the Ombudsmann. When I pointed out to him that the CIFAS leaflet says to CIFAS first, he seems surprised.

I am not sure what else to do, but would like to see if there are any solicitors who are well versed with CIFAS issues who could help me draft some letters or get to the right people or help me go down the correct route.

I am also not sure what alternatives route other have done and was successful. Any advise appreciated

[judgemental24]

Re: Solicitor who is well versed with CIFAS issues

CIFAS stays on your credit file for one year max

It is the credit agencies that will remove it automatically 12 months from entry onto your file

If you have any further Mortgage applications you will have problems as a covert credit agency called National Hunter will record it

All Mortgage applications go through Natonal Hunter

[Kati]

Re: Solicitor who is well versed with CIFAS issues

If you have any further Mortgage applications you will have problems as a covert credit agency called National Hunter will record it

All Mortgage applications go through Natonal Hunter

National Hunter hold the information for between 6mths and 6yrs apparently - http://www.nhunter.co.uk/faq/?secton=1

[judgemental24]

Re: Solicitor who is well versed with CIFAS issues

Apparently???

I did an DSAR on them a few years ago

They supplied details of a credit application i made for a TV through the NAAFI when i was in the army. That had to be 20 years old that application

They did remove it pretty quick when i informed them they were not allowed to record service personnel details

[Kati]

Re: Solicitor who is well versed with CIFAS issues

Apparently???

That's what it says in the FAQs I linked to :noidea:

[judgemental24]

Re: Solicitor who is well versed with CIFAS issues

I wil always take such claims with a pinch of salt

Remember the Economic League and Norris McWhirter and their links to all the UK top companies?

You know as well as me data is a gold mine. Banks etc will say they do not have to process pesonal data beyond six years but they do. My DSAR to Barclays even included my old Woolwich accounts

[BOI victim]

Re: Solicitor who is well versed with CIFAS issues

CIFAS stays on your credit file for one year max

It is the credit agencies that will remove it automatically 12 months from entry onto your file

If you have any further Mortgage applications you will have problems as a covert credit agency called National Hunter will record it

All Mortgage applications go through Natonal Hunter

THANK YOU very much with your answers. I really appreciate your time in replying to my question.

So, the credit agencies will remove it automatically after 12 months.
In instances that this does not happen, where is the next point of contact?
I read in the CIFAS leaflets, it does mentioned an alarming 6 years!! Perhaps this is for a specific situation.

BOI complaints team, kept reassuring me that having a CIFAS will not impact the opening of any bank accounts in future. Are they giving me misleading information?

There are no further escalation route in BOI as the complaints team does not seem well versed with CIFAS and not willing to resolve it. What is my next step? Will CIFAS investigate or I need to instruct a solicitor?
Please advise

[Amethyst]

Re: Solicitor who is well versed with CIFAS issues

Just tagging [MENTION=7]Tools[/MENTION] to look in on this later ref CIFAS

[judgemental24]

Re: Solicitor who is well versed with CIFAS issues

CIFAS Categories Explained

0Protective Registration — Recorded at the request of the person named.
1False Identity Fraud — Use of a false name with an address.
2Victim of Impersonation — Use, by another person, of this name and/or address.
3Application Fraud (Facility Granted) — Use of name reasonably believed to be genuine, but with one or more material falsehoods in personal details or other relevant information — the facility was granted.
4Application Fraud (Facility Refused) — Use of a name reasonably believed to be genuine, but with one or more material falsehoods in personal details or other relevant information — the facility was refused.
5Conversion — Conversion (disposal or sale) of goods (to which the hirer/buyer does not have title) under a hire purchase, conditional sale, contract hire, leasing or rental agreement.
6First Party Fraud — Opening an account or other facility for a fraudulent purpose, or the fraudulent misuse of an account or facility.
7Aiding & Abetting — Aiding, abetting or assisting, or conspiring with, another or others to fraudulently procure credit, or other facilities, or hire products or services.
8Insurance Claims Fraud — The making of a claim(s) under one or more insurance policy (ies) with one or more material falsehoods or by presenting a false or forged document.

[Nibbler]

Re: Solicitor who is well versed with CIFAS issues

https://www.cifas.org.uk/how_can_I_c...y_is_incorrect

Nothing stopping you going to the FOS now if the company or CIFAS are dragging their heals or refusing to engage.

[judgemental24]

Re: Solicitor who is well versed with CIFAS issues

Reference above (Post 9)

What CIFAS Categories have they listed you under?

4 is the normal entry and removed after 12 months

5,6,7, or 8 you will have problems and the lender needs authorisation to remove direct

[BOI victim]

Re: Solicitor who is well versed with CIFAS issues

I am listed under the Category no. 4

4Application Fraud (Facility Refused) — Use of a name reasonably believed to be genuine, but with one or more material falsehoods in personal details or other relevant information — the facility was refused.

Does the information BOI has on me have to be able to hold in court or sufficient to make a police report in order for them to justify putting me on a CIFAS marker?

[Nibbler]

Re: Solicitor who is well versed with CIFAS issues

https://www.cifas.org.uk/what_proof_...tails_on_cifas

Before the organisation is able to place a warning on the database, they must have sufficient evidence to justify reporting the matter to the police, although they are not obliged to make a report in every case.

[judgemental24]

Re: Solicitor who is well versed with CIFAS issues

As stated, that catagory 4 will be removed automatically 12 months from insertion date

The reasons are normally claiming you are employed and are not, or state you earn 30 k a year when in reality 16 k

Living at another address other than on the application form is another reason

[NatalieD]

Re: Solicitor who is well versed with CIFAS issues

As stated, that catagory 4 will be removed automatically 12 months from insertion date

The reasons are normally claiming you are employed and are not, or state you earn 30 k a year when in reality 16 k

Living at another address other than on the application form is another reason

Hiya, sorry i know this is an old thread but thought i might jump on board...

I have a Category 4 on my Cifas (completely guilty, a tiny bit of payslip manipulation rather than inflation) however I'm on for 6 years according to Cifas - I did read some forums stating a year so I tested the water with a finance company I work quite closely with after 15 months to see if the "Skull and Crossbones" still appeared when I applied for credit facilities and it did. Its definitely worth knowing for future planning as I lived in false hope that I would be back in the credit market after a year back to living well beyond my means however no such luck! What I did find though is that if you use a decent broker, they can usually negotiate on your behalf for credit should you need it with the lesser known lenders, a lender shouldn't legally use the information to refuse a facility, it is just there to encourage them to do further checks on the applicant - This is never the case!