Real cases, real results
CIFAS Marker Removals
Every case is different. These are real CIFAS marker removals from real clients — showing exactly how the marker was filed, how we challenged it, and how it was removed.
Revolut Telegram Job Scam CIFAS Marker Removal
Telegram job scam — Our client was recruited through Telegram by someone posing as an employer offering a part-time remote job. The role involved receiving payments into their Revolut account and forwarding them to other...
Monzo Telegram Job Scam CIFAS Marker Removal
Telegram job scam — Our client was recruited through Telegram for what appeared to be a work-from-home job. The role involved receiving funds into their Monzo account and forwarding payments to other accounts as instruct...
Barclays Crypto Scam CIFAS Marker Removal
Cryptocurrency investment scam — Our client was contacted through Telegram by individuals claiming to represent a professional investment firm. They were directed to create a cryptocurrency exchange account and use their Barclays acc...
HSBC Snapchat Crypto Scam CIFAS Marker Removal
Snapchat cryptocurrency scam — Our client was contacted through Snapchat by someone offering cryptocurrency profits. They were told to open an HSBC account so the contact could deposit 'crypto profits' into it. The client gave acco...
TSB TikTok Job Scam CIFAS Marker Removal
TikTok business advertisement scam — Our client was 20, unemployed, and came across what appeared to be a legitimate TikTok business advertisement offering online work. The role involved completing tasks that turned out to involve receiv...
Revolut Friend Used Account CIFAS Marker Removal
Friend used account for payments — Our client shared their Revolut account details with a friend who needed help receiving funds. The friend had represented the payments as legitimate — money owed from a sale, currency exchange, or fin...
Barclays Broker Fraud False Application CIFAS Marker Removal
Fraudulent mortgage broker — Our client engaged a mortgage broker to arrange a mortgage through Barclays. The broker submitted altered documents — including manipulated payslips — as part of the application without the client's k...
TSB Instagram Investment Scam CIFAS Marker Removal
Instagram investment scam — Our client was contacted via Instagram offering an investment opportunity promising high returns. They were told to send £600 and would receive £12,000 in return. After sending the money, they receive...
Barclays Binance P2P Trading CIFAS Marker Removal
Binance P2P cryptocurrency trading — Our client was using the Binance P2P platform to sell cryptocurrency — a legitimate activity. They received payments from buyers into their Barclays account as part of standard P2P trades. Barclays fl...
Lloyds Young Person Social Media CIFAS Marker Removal
Young person recruited on social media — Our client was 14 years old when someone on social media offered them 'quick money methods'. The client, wanting to earn money, gave their card details to a stranger who then used the account to proce...
Revolut Friend Payments Reassured CIFAS Marker Removal
Friend payments reassurance — Our client was asked by a trusted friend to help receive and forward payments through their Revolut account. The friend assured them the money was from legitimate sources — a side business, they said....
Revolut Task Video Liking Scheme CIFAS Marker Removal
Task and video liking scheme — Our client was recruited online for what appeared to be a legitimate task-based job — liking videos, completing surveys, and rating content. The scheme escalated to requiring 'top-up payments' through...
Novuna Broker Altered Documents CIFAS Marker Removal
Broker altered documents for car finance — Our client applied for car finance through a broker. The broker, without the client's knowledge or consent, altered payslips and bank statements to inflate income figures before submitting the applica...
Revolut Friend Support Turned Suspicious CIFAS Marker Removal
Friend payment support turned suspicious — Our client agreed to help a friend who said they needed temporary support receiving payments due to issues with their own bank account. The client allowed a small number of payments through their Revo...
Barclays Gumtree Admin Job Scam CIFAS Marker Removal
Gumtree admin job scam — Our client responded to what appeared to be a legitimate administrative job advert on Gumtree. The role involved processing payments as part of 'accounts receivable' duties. The client was provided wi...
Monzo Friend Job Referral CIFAS Marker Removal
Friend job referral suspicious payments — Our client was referred by a friend to a 'job opportunity' that involved receiving payments into their Monzo account. The friend had already been doing the same and vouched for its legitimacy. The cli...
SumUp Merchant Payment Dispute CIFAS Marker Removal
Merchant payment dispute — Our client operated a small business using SumUp as their payment processor. A customer disputed a legitimate transaction, triggering a chargeback. SumUp's fraud team investigated and concluded that t...
Revolut Crypto Trading Trusted Friend CIFAS Marker Removal
Crypto trading with trusted friend — Our client was trading cryptocurrency informally with a trusted friend — buying and selling Bitcoin between their accounts. The friend would send fiat currency to the client's Revolut account, and the...
Capital One Old Account Flagged CIFAS Marker Removal
Old account flagged years later — Our client discovered a CIFAS marker had been filed by Capital One relating to an old account they had not used for years. The marker appeared to relate to historic activity that Capital One had retro...
Revolut Indian Friend Currency Exchange CIFAS Marker Removal
Indian friend currency exchange — Our client was helping an Indian friend with currency exchange — a common practice in diaspora communities where sending money internationally through banks can be slow and expensive. The friend sent ...
NewDay Gold Bar Purchase Scam CIFAS Marker Removal
Gold bar purchase scam — Our client was approached by someone they knew from the gym who presented an opportunity to buy gold bars at a discount using their credit card. The contact claimed it was a legitimate investment deal...
Monzo Sri Lankan Friend Payment Forwarding CIFAS Marker Removal
Sri Lankan friend payment forwarding — Our client was helping a Sri Lankan friend who was having difficulties with their own banking. The friend asked our client to receive payments into their Monzo account and forward them. The client agr...
Barclays Telegram Investment Firm Recruitment CIFAS Marker Removal
Telegram investment firm recruitment — Our client was contacted through Telegram by individuals presenting themselves as representatives of a professional investment firm. They were recruited to facilitate trades through their Barclays acc...
Barclays Company Director Account Misuse CIFAS Marker Removal
Company director account misuse — Our client was a company director whose business account at Barclays was flagged for suspicious activity. The transactions in question related to legitimate business operations that Barclays's fraud t...
Nationwide Crypto Scam via Snapchat CIFAS Marker Removal
Crypto scam via Snapchat — Our client was contacted through Snapchat by someone offering cryptocurrency investment returns. They were told to deposit funds into their Nationwide account and forward them to a crypto exchange. Th...
Lloyds Social Media Middleman Fraud CIFAS Marker Removal
Social media middleman fraud — Our client was recruited through social media to act as a middleman for what was described as a legitimate business operation. They were told to receive payments into their Lloyds account and forward ...
Barclays Savings Account Suspicious Transaction CIFAS Marker Removal
Savings account suspicious transaction — Our client's Barclays savings account received an unexpected payment that they did not recognise. Before they could query it or return the funds, Barclays froze the account and filed a Misuse of Facil...
Monzo Business Recruitment Payment Processing CIFAS Marker Removal
Business recruitment payment processing — Our client was recruited for what appeared to be a legitimate business role that involved processing payments. They were told the company was setting up its payment infrastructure and needed temporary...
Think Money Ex-Partner Account Misuse CIFAS Marker Removal
Ex-partner account misuse — Our client's ex-partner had access to their Think Money account during the relationship. After the relationship ended, the ex-partner continued to use the account without the client's knowledge or con...
Barclays Multiple Markers Crypto Influencer Scam CIFAS Marker Removal
Multiple markers from crypto influencer scam — Our client was drawn into a cryptocurrency scheme promoted by an online influencer. Over several months, they processed transactions through their Barclays accounts as directed by the influencer's 'te...
Barclays Forex Prop Firm Chargeback CIFAS Marker Removal
Forex prop firm chargeback dispute — Our client paid for access to a forex prop firm trading programme. When the programme failed to deliver what was promised, the client raised a chargeback through Barclays. The prop firm disputed the c...
Barclays Company Administration CIFAS Marker Removal
Company went into administration — Our client was a director of a company that went into administration. Barclays filed a Misuse of Facility marker against the director personally, apparently triggered by transaction patterns in the bu...
HSBC Retaining Wrongful Credit CIFAS Marker Removal
Retaining wrongful credit dispute — Our client received funds into their HSBC account that were later identified as erroneously sent. HSBC claimed the client had retained the funds wrongfully. However, the client disputed this — they be...
Revolut Social Engineering Scam Victim CIFAS Marker Removal
Social engineering scam victim — Our client was targeted by a sophisticated social engineering scam. The fraudsters manipulated the client into making transactions through their Revolut account using psychological pressure tactics. T...
Nationwide Crypto Fraud via Snapchat Contact CIFAS Marker Removal
Crypto fraud via Snapchat contact — Our client was approached by a Snapchat contact — someone they had communicated with for some time — offering a cryptocurrency investment opportunity. The contact appeared trustworthy and showed scree...
Monzo Facebook Recruitment Message Scam CIFAS Marker Removal
Facebook recruitment message scam — Our client received a Facebook message offering quick cash for minimal work. The 'job' involved receiving money into their Monzo account and forwarding it. The message came from what appeared to be a ...
Revolut Student Vehicle Selling Account Closure CIFAS Marker Removal
Student vehicle selling account closure — Our client was a student who bought and sold vehicles as a side income. The payments received through their Revolut account — large sums from buyers, deposits, and part-exchanges — triggered Revolut's...
Barclays School-Age Poor Decisions CIFAS Marker Removal
School-age poor decisions — Our client was still at school when they made poor decisions with their Barclays account — allowing others to use it in ways that triggered fraud alerts. As a teenager, they lacked the maturity to und...
Monzo Game Payment Scheme CIFAS Marker Removal
Game payment scheme manipulation — Our client was drawn into a scheme that used gaming platforms as a cover for financial transactions. They were told they could earn money by facilitating in-game purchases and transfers through their ...
SumUp Forgotten Merchant Account CIFAS Marker Removal
Forgotten merchant account flagged — Our client had set up a SumUp merchant account for a small business that they subsequently closed. They forgot about the SumUp account, which remained active. Activity appeared on the dormant account ...
Nationwide Friend Debt Repayment Flagged CIFAS Marker Removal
Friend debt repayment flagged as suspicious — Our client received a series of payments from a friend who was repaying a personal debt. The payments came in instalments over several weeks. Nationwide's fraud systems flagged the pattern of regular ...
Halifax Building Work Deposit Retained CIFAS Marker Removal
Building work deposit retained — Our client received a deposit for building work through their Halifax account. A dispute arose with the customer about the quality of work, and the customer requested a chargeback. Halifax investigate...
NewDay Credit Card Misuse Allegation CIFAS Marker Removal
Credit card misuse allegation — Our client was accused by NewDay of misusing their credit card facility. The allegation related to transaction patterns that NewDay's systems flagged as suspicious. The client maintained they had used...
Monese Faster Payment Receiving CIFAS Marker Removal
Faster payment receiving flagged — Our client's Monese account received several faster payments that triggered fraud alerts. The client believed these were legitimate payments — from friends, sales, or services rendered. Monese's autom...
Revolut Cryptocurrency Trading Flagged CIFAS Marker Removal
Cryptocurrency trading flagged — Our client was actively trading cryptocurrency — buying on exchanges and receiving fiat payments from buyers through their Revolut account. This is a legal and common activity. Revolut's automated fra...
Capital One Impersonation Fraud Victim CIFAS Marker Removal
Victim of impersonation fraud — Our client was a victim of identity theft — someone had used their personal details to open accounts or make applications at Capital One without their knowledge. Instead of filing a protective Victim ...
Monese Investment Fund Receiving CIFAS Marker Removal
Investment fund receiving — Our client received funds into their Monese account that they believed were investment returns. The funds were sent by someone they trusted who was managing an informal investment. Monese flagged the ...
Bank of Scotland Investment Fund Receiving CIFAS Marker Removal
Investment fund receiving — Our client received funds into their Bank of Scotland account from what they believed was a legitimate investment arrangement. A contact had offered to manage investments and the returns were paid int...
Halifax Crypto Sold via Revolut to Halifax CIFAS Marker Removal
Crypto sold via Revolut transferred to Halifax — Our client sold cryptocurrency on Revolut and transferred the proceeds to their Halifax account. Halifax flagged the incoming transfer as suspicious, despite the funds originating from a legitimate cr...
Halifax Conductor Unexplained Funds CIFAS Marker Removal
Conductor unexplained funds — Our client worked as a conductor and received various payments into their Halifax account — tips, overtime, casual work payments, and sales of personal items. Halifax flagged the account for receiving...
TSB Influencer Passive Income Scheme CIFAS Marker Removal
Influencer passive income scheme — Our client was recruited through an influencer's social media profile offering a passive income opportunity. The scheme involved receiving funds into their TSB account and forwarding them, with the cl...
Halifax Influencer Passive Income Scheme CIFAS Marker Removal
Influencer passive income scheme — Our client followed a social media influencer who promoted a passive income method. The scheme required the client to use their Halifax account to process payments in exchange for a commission. The cl...
Barclays False Address Application Fraud CIFAS Marker Removal
False address application fraud — Our client applied for a Barclays product and provided an address that Barclays later determined did not match their records. The discrepancy was due to a recent move — the client had used their new a...
Barclays Influencer Crypto Scheme CIFAS Marker Removal
Influencer crypto scheme — Our client was drawn into a cryptocurrency scheme promoted by a social media influencer with a large following. The scheme involved using their Barclays account to buy and sell crypto, processing paym...
Nationwide Crypto via Binance Sold on NFD CIFAS Marker Removal
Crypto via Binance sold on NFD — Our client was buying cryptocurrency on Binance and selling it on NFD (a peer-to-peer platform), receiving payments from buyers into their Nationwide account. This was legitimate arbitrage trading. Na...
Barbon Insurance Altered Rental Documents CIFAS Marker Removal
Altered documents for rental application — Our client applied for a rental property through a letting agent that used Barbon Insurance for referencing. The letting agent or a third party altered documents as part of the referencing process wit...
Revolut Instagram Scam Victim CIFAS Marker Removal
Instagram scam victim — Our client was targeted through Instagram by a scam offering quick returns on a small investment. They were directed to receive and forward funds through their Revolut account as part of the scheme. T...
Monzo HSBC Transfer Scam Victim CIFAS Marker Removal
HSBC transfer scam victim — Our client received a transfer into their Monzo account that originated from a compromised HSBC account. The client did not know the sender or the origin of the funds — they had been given instruction...
Metro Bank Unknown Account Usage CIFAS Marker Removal
Unknown account usage — Our client discovered that their Metro Bank account had been used for transactions they did not recognise or authorise. It appeared that a third party had gained access to the account — potentially th...
Kroo Bank Part-Time Work Recruitment CIFAS Marker Removal
Part-time work recruitment debt — Our client was recruited for what appeared to be part-time work. The role involved using their Kroo Bank account to process payments. The client needed the income and followed the instructions. When t...
Barclays Third Party Fraud Facilitator CIFAS Marker Removal
Third party fraud facilitator allegation — Our client's Barclays account was used by a third party to facilitate fraudulent transactions. The client had shared account details under pressure or deception, and the third party used the account w...
Nationwide False Income Mortgage Application CIFAS Marker Removal
False income mortgage application — Our client applied for a mortgage through Nationwide. The income figure on the application was higher than Nationwide could verify. However, the discrepancy arose because the client had multiple incom...
Collinson Insurance Mistaken Identity CIFAS Marker Removal
Mistaken identity claim — Our client was flagged by Collinson Insurance for a claim they did not make. Due to a mistaken identity — a name or details match with another individual — Collinson attributed a fraudulent insurance ...
Revolut Fund Transfer Without Knowledge CIFAS Marker Removal
Fund transfer without knowledge — Our client discovered that funds had been transferred through their Revolut account without their knowledge. Someone had gained access to the account — potentially through a compromised device or shar...
Barclays Bitcoin Friend Help Scheme CIFAS Marker Removal
Bitcoin friend help scheme — Our client helped a friend buy Bitcoin by receiving payments from the friend's contacts into their Barclays account and purchasing Bitcoin on their behalf. The friend claimed they could not buy Bitcoi...
Revolut Brother in Nigeria Currency Help CIFAS Marker Removal
Brother in Nigeria currency help — Our client was helping their brother in Nigeria with currency transfers. The arrangement involved receiving Nigerian Naira through the brother's contacts and sending equivalent GBP through Revolut. Th...
Lloyds Crypto Money Lending Confusion CIFAS Marker Removal
Crypto money lending confusion — Our client was involved in informal crypto lending — lending money to contacts who used it for cryptocurrency purchases, with the contacts repaying the loan with interest. The payments through the cli...
Monzo Girlfriend Flower Business Scam CIFAS Marker Removal
Girlfriend flower business scam — Our client allowed their girlfriend to use their Monzo account for what she described as a flower business. Payments came in from customers and the girlfriend managed the account. It turned out the 'b...
Monzo Co-Worker Phone Access Misuse CIFAS Marker Removal
Co-worker phone access misuse — Our client's co-worker gained access to their phone and used the Monzo app to process transactions without the client's knowledge. The co-worker may have observed the client's PIN or used the phone wh...
Monzo Vape Sale Refund Dispute CIFAS Marker Removal
Vape sale refund dispute — Our client sold a vape product and received payment through Monzo. The buyer then raised a dispute claiming the product was not as described and requested a refund. When the client disputed the charge...
Barclays Phone Scam Fraud Prevention Impersonation CIFAS Marker Removal
Phone scam fraud prevention impersonation — Our client received a phone call from someone claiming to be from Barclays' fraud prevention team. The caller knew the client's name, account details, and recent transactions — making the call appear ...
Barclays Account Closure No Explanation CIFAS Marker Removal
Account closure with no explanation — Our client's Barclays account was closed without explanation. They received a letter stating the bank had decided to end the relationship but no reason was given. Only later — when they were declined ...
Santander Business Catering Payment Dispute CIFAS Marker Removal
Business catering payment dispute — Our client ran a catering business and received payments through their Santander account. A customer disputed a catering payment, claiming the service was not delivered as agreed. Santander investigat...
AutoMoney Fraudulent Broker Car Finance CIFAS Marker Removal
Fraudulent broker car finance application — Our client applied for car finance through a broker who submitted falsified documents to AutoMoney without the client's knowledge. The broker inflated income figures and altered employment details to ...
Revolut Personal Account Crypto Trading CIFAS Marker Removal
Personal account crypto trading — Our client used their personal Revolut account for cryptocurrency trading — buying crypto and receiving fiat payments from buyers. This is a legal activity that Revolut's own platform supports. Despit...
Santander Consumer Unvalidated Income Mortgage CIFAS Marker Removal
Unvalidated income mortgage application — Our client applied for a mortgage through Santander Consumer Finance. The income declared on the application did not match Santander's verification checks. However, the discrepancy was due to the clie...
Barclays Business Payment Forgotten CIFAS Marker Removal
Business payment received and forgotten — Our client received a business payment of approximately £200 into their Barclays account that they forgot about. The payment came from a business contact for services rendered but the client did not i...
Lloyds Ex-Partner Abusive Relationship Account Misuse CIFAS Marker Removal
Ex-partner abusive relationship account misuse — Our client was in an abusive relationship where their partner controlled their finances, including their Lloyds bank account. The ex-partner used the account to process suspicious transactions under c...
HSBC Student Address Verification Dispute CIFAS Marker Removal
Student address verification dispute — Our client was a student who provided their university address on an HSBC application. HSBC's verification process could not confirm the address, as student accommodation often does not appear on stan...
HSBC Student Job Group Contact Recruitment CIFAS Marker Removal
Student job group contact recruitment — Our client was a student who was recruited through a university job group or student network. Someone in the group offered paid work that involved receiving and forwarding payments through their HSBC ...
Starling Crypto Exchange Flagged CIFAS Marker Removal
Crypto exchange activity flagged — Our client was using crypto exchanges to trade cryptocurrency, with payments flowing through their Starling account. This included receiving fiat currency from P2P trades and making deposits to exchan...
Metro Bank Student Lost Card Money Appeared CIFAS Marker Removal
Student came to UK, lost card, money appeared — Our client was an international student who had recently arrived in the UK. They lost their bank card and before they could report it, unexplained funds appeared in their Metro Bank account. It appear...
Aldermore Hospital Patient Identity Theft CIFAS Marker Removal
Hospital patient identity theft — Our client's identity was stolen while they were a patient in hospital — a period when they were particularly vulnerable and unable to monitor their finances. The identity thief used the client's deta...
Nationwide Renewable Energy Course Chargeback CIFAS Marker Removal
Renewable energy course chargeback — Our client paid for a renewable energy training course that turned out to be misleading — the course did not deliver what was advertised. The client raised a chargeback through Nationwide to recover t...
JP Morgan Chase Received Funds Told Was Investment CIFAS Marker Removal
Received funds told was investment — Our client received funds into their JP Morgan Chase account that they were told were investment returns. A contact had offered to invest on their behalf and the payments appeared to be the promised r...
Starling Crypto Coin Exchange Flagged CIFAS Marker Removal
Crypto coin exchange flagged — Our client was trading cryptocurrency coins — buying on one exchange and selling on another to take advantage of price differences. Payments flowed through their Starling account from buyers and to ex...
Monzo Unknown Reason CIFAS Marker Removal
Unknown reason for marker placement — Our client discovered a CIFAS marker on their record filed by Monzo but had no idea why. Monzo had closed their account and placed the marker without providing any specific explanation of what conduct...