Application Fraud CIFAS Marker
An Application Fraud CIFAS marker is recorded where a financial institution believes that a fraudulent application was made to obtain financial services. This is one
We are the specialist alternative to high-street solicitors. We challenge "Misuse of Facility" and "Application Fraud" markers for a clear, fixed price and fast removals.


Lead Case Manager
I established this service to give individuals access to professional dispute support without the delays and high costs associated with traditional legal firms.

Lead Case Manager
According to CIFAS, in 2024, 421,000 fraud markers were recorded every 2 minutes and the impact of a 6 year marker can be severe.
Our victories shows how our dedicated CIFAS Marker Removal service helps victims of fraud remove CIFAS markers. Whether you’ve been scammed, used as a money mule, or are dealing with application fraud markers, our expert team can assist in clearing your name.
Here are the last 50 Cifas Marker Removals.
| Issued By | Reason | Removal Status |
|---|---|---|
| Bank of Scotland | Misuse of facilit - Retaining wrongful credit | Complaint Upheld |
| Barbon Insurance Group | False Application - Altered documents | Complaint Upheld |
| Barclays Bank UK | Misuse of facility - Funds received– Repeat Conduct, Conduct Unexplaine | Complaint Upheld |
| Barclays Bank UK | Misuse of Facility - Funds Received | Complaint Upheld |
| Barclays Bank UK | Misuse of facility - New Account, Credits Retained, Conduct Unexplained | Complaint Upheld |
| Barclays Bank UK | Complaint Upheld | |
| Barclays Bank UK | Misuse of facility - Funds received – Credits Retained | Complaint Upheld |
| Barclays Bank UK | Misuse of facility - Funds received– Credits Retained, Conduct Unexplained | Complaint Upheld |
| Barclays Bank UK | Falsely reporting loss | Complaint Upheld |
| Barclays Bank UK | Misuse of facility - Funds received– Credits Retained, Conduct Unexplained | Complaint Upheld |
| Barclays Bank UK | Complaint Upheld | |
| Barclays Bank UK | Misuse of facility - Funds received – Repeat Conduct | Complaint Upheld |
| Barclays Bank UK | Misuse of facility - Funds received – Credits Retained | Complaint Upheld |
| Barclays Bank UK | Misuse of facility - Funds received – Conduct Unexplained | Complaint Upheld |
| Barclays Bank UK | Misuse of Facility - Funds Received – Repeat Conduct & Conduct Unexplained | Complaint Upheld |
| Barclays Bank UK | Misuse of facility - Funds received – Conduct Unexplained | Complaint Upheld |
| Barclays Bank UK | False Application - False address | Complaint Upheld |
| Barclays Bank UK | Misuse of facility - Funds received | Complaint Upheld |
| Barclays Bank UK | Misuse of facility - Funds received – Credits Retained | Complaint Upheld |
| Barclays Bank UK | Misuse of facility - Third Party Fraud Facilitator | Complaint Upheld |
| Barclays Bank UK | Misuse of facility | Complaint Upheld |
| Capital One | Misuse of facility - Fraudulent faster payments transaction | Complaint Upheld |
| Capital One | Facility takeover fraud - Victim of impersonation | Complaint Upheld |
| Collinson Insurance services | False insurance claim - Insurance claim fraud | Complaint Upheld |
| Halifax | Misuse of facilit - Retaining wrongful credit | Complaint Upheld |
| Halifax | Misuse of facility - Funds received – Conduct Unexplained | Complaint Upheld |
| Halifax | Misuse of facility - Funds received – Conduct Unexplained | Complaint Upheld |
| Halifax | Misuse of facility - Funds received – Conduct Unexplained | Complaint Upheld |
| HSBC Bank | Misuse of facility - Retaining wrongful credit | Complaint Upheld |
| HSBC Bank | False documentation | Complaint Upheld |
| HSBC Bank | Misuse of facility: Retaining wrongful credit | Complaint Upheld |
| JP Morgan Europe | Funds received – Conduct Unexplained | Complaint Upheld |
| Kroo Bank | Misuse of facility - Regular payment fraud | Complaint Upheld |
| Kroo Bank | Misuse of facility - Regular payment fraud | Complaint Upheld |
| Lloyds Bank | Misuse of facility - Regular payment fraud | Complaint Upheld |
| Lloyds Bank | Misuse of facility - Retaining wrongful credit | Complaint Upheld |
| Lloyds Bank | Complaint Upheld | |
| Lloyds Bank | Retaining wrongful credit | Complaint Upheld |
| Metro Bank | Misuse of facility - Funds received – Conduct Unexplained | Complaint Upheld |
| Monese | Misuse of facility - Fraudulent faster payments transaction | Complaint Upheld |
| Monese | Misuse of facilit - Fraudulent faster payments transaction | Complaint Upheld |
| Monzo Bank | Misuse of facility - Regular payment fraud | Complaint Upheld |
| Monzo Bank | Complaint Upheld | |
| Monzo Bank | Misuse of facility - Funds received – Credits Retained – Conduct Unexplained | Complaint Upheld |
| Monzo Bank | Complaint Upheld | |
| Monzo Bank | Misuse of facility - Funds received – Credits Retained & Conduct Unexplained | Complaint Upheld |
| Monzo Bank | Misuse of facility - Regular payment fraud | Complaint Upheld |
| Monzo Bank | Regular payment fraud | Complaint Upheld |
| Monzo Bank | Misuse of facility - Regular payment fraud | Complaint Upheld |
| Monzo Bank | Misuse of facility - Funds received – Credits Retained and Conduct Unexplained | Complaint Upheld |
| Issued By | Reason | Removal Status |
Here is a simple summary on how to get started on your journey to financial freedom.
Contact us today to assess the likelihood of your marker being removed and understand your options.
Whatever your situation, we specialise in data protection and fraud marker complaints.
01
This marker is recorded where an account is alleged to have received or moved funds linked to suspected fraud.
02
False application markers relate to financial applications where information is alleged to be incorrect, incomplete, or misleading.
03
Application fraud markers are recorded where an fraudulent application is made to obtain financial services.
04
Asset conversion markers relate to allegations that funds or assets were converted in a fraudulent way.
05
First party fraud markers are applied where the account holder themselves is alleged to have committed fraud.
06
Insurance fraud markers relate to alleged misrepresentation or dishonest claims made in connection with insurance policies.
Your complaint is submitted to the issuer of the fraud marker for initial review and assessment and final response.
Your may be referred to CIFAS for review after the issuer issued a final response and refuses to uphold the complaint.
A complaint should be referred within 6 months of getting the final response for review by the Ombudsman.
If you want help challenging a CIFAS marker, you can start by submitting your details for review.















All services relate to one CIFAS marker case. If you have more than one marker, each is assessed and handled separately.
We prepare and submit complaint to issuer, you handle the full process including responding.
We manage the complaint process from start to finish, including at CIFAS & Financial Ombudsman.
Priority handling with accelerated preparation and dedicated case management.
Explore our blog for expert advice, industry insights, and latest case studies on CIFAS marker removals.
An Application Fraud CIFAS marker is recorded where a financial institution believes that a fraudulent application was made to obtain financial services. This is one
An Asset Conversion CIFAS marker relates to allegations that funds or assets were converted in a fraudulent way, usually in connection with goods or property
A False Application CIFAS marker relates to a financial application where information is alleged to be incorrect, incomplete, or misleading. These markers are frequently applied
A First Party Fraud CIFAS marker is applied where a financial institution alleges that the account holder themselves committed fraud. This is one of the
An Insurance Fraud CIFAS marker relates to alleged misrepresentation or dishonest behaviour in connection with an insurance policy or insurance claim. These markers are often
Misuse of Facility CIFAS Marker A Misuse of Facility CIFAS marker is one of the most commonly applied fraud risk markers in the UK. It
Removing a marker means financial freedom and access to more financial services.

Quick answers to questions you have about Cifas Marker UK.
A CIFAS marker is a fraud risk record shared between organisations such as banks, insurers, and lenders. It can affect your ability to open accounts, access credit, or use financial services.
Some CIFAS markers are upheld, while others are amended or removed following a formal complaint process. Removal is not guaranteed and depends on the accuracy, proportionality, and evidence supporting the marker.
You can request a copy of your CIFAS record directly from CIFAS by making a Subject Access Request. Once you have your report, we can assess whether a complaint may be appropriate.
Timeframes vary. Some cases resolve within a few weeks, while many take several months. More complex cases, especially those requiring escalation, can take longer.
No. We do not guarantee outcomes. We provide professional support to assess, prepare, and manage complaints through the recognised process.
Not always. Many CIFAS complaints are handled through issuer complaints, CIFAS review, and the Financial Ombudsman Service. If you already have a solicitor, we can work alongside them.
If a complaint is not upheld at the first stage, it may be escalated to CIFAS and, where appropriate, to the Financial Ombudsman Service. Further options depend on the circumstances of the case.
We offer fixed fee support packages depending on the level of assistance required. Pricing is clearly explained before any work begins.
The first step is to complete a free CIFAS assessment. This helps you understand your position and decide whether to proceed with professional support.
No. We are not a law firm. We provide administrative and representational support for CIFAS complaints. Where legal representation is required, we can work alongside your solicitor.
