Nationwide Friend Debt Repayment Flagged CIFAS Marker Removal
Friend debt repayment flagged as suspicious — Misuse of Facility marker filed by Nationwide. Removed in 3 weeks.
How Nationwide files CIFAS markers for flagged friend payments
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 incoming payments from the same source as suspicious and filed a Misuse of Facility marker. The payments were entirely legitimate — a friend repaying money they owed.
What the CIFAS report showed about this Nationwide marker
The report confirmed Misuse of Facility — Funds Received, filed by Nationwide Building Society. Our OCR analysis showed the filing was triggered by the pattern of regular incoming payments, which is also the pattern of legitimate debt repayment. No evidence of fraud or dishonesty was cited.
How we challenged this Nationwide friend debt CIFAS marker
The complaint demonstrated that the payments were a friend repaying a personal debt, with supporting evidence. The system argued that Nationwide had confused a legitimate financial arrangement with suspicious activity and that the marker was inaccurate under UK GDPR.
How this Nationwide friend debt CIFAS marker was removed
Nationwide reviewed the evidence of the debt repayment and removed the marker within three weeks.
Start your friend payment CIFAS marker removal
If legitimate payments from a friend were flagged and a CIFAS marker was filed, the marker may be challengeable. Upload your CIFAS report and start your case today.