Lloyds Young Person Social Media CIFAS Marker Removal
Young person recruited on social media — Misuse of Facility marker filed by Lloyds. Removed in 3 weeks.
How Lloyds files CIFAS markers against young people
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 process suspicious payments. Lloyds detected the activity and filed a Misuse of Facility marker. The marker was placed against a child who had been recruited and exploited through social media.
What the CIFAS report showed about this Lloyds marker
The report confirmed Misuse of Facility — Regular Payment Fraud, filed by Lloyds Bank PLC. Our analysis immediately identified the age factor — the client was a minor at the time of the alleged conduct. CIFAS filing standards and FCA vulnerability guidance require that age and vulnerability are considered before placing a fraud marker.
How we challenged this Lloyds young person CIFAS marker
The complaint made four core arguments: (1) the client was a child at the time and could not be held to the same standard of understanding as an adult, (2) they were recruited and exploited by an adult through social media, (3) Lloyds did not consider vulnerability before filing — a breach of FCA guidance and CIFAS filing standards, (4) a 6-year fraud marker against a child is grossly disproportionate. The Modern Slavery Act defences were also cited.
How this Lloyds young person CIFAS marker was removed
Lloyds reviewed the complaint and acknowledged the vulnerability factors. The marker was removed within three weeks. Cases involving young people and vulnerability are among the strongest for removal because the proportionality argument is compelling.
Start your young person CIFAS marker removal
If you were under 21 when a CIFAS marker was placed — especially if you were recruited through social media — the marker may be disproportionate and challengeable. Age and vulnerability are strong grounds for removal. Start your case today.