Novuna Broker Altered Documents CIFAS Marker Removal
Broker altered documents for car finance — False Application marker filed by Novuna. Removed in 6 weeks.
How Novuna files CIFAS markers for broker document fraud
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 application to Novuna. When Novuna detected the discrepancies between the submitted documents and the client's actual financial records, they filed a False Application marker against the client — not the broker who had falsified the documents.
What the CIFAS report showed about this Novuna marker
Our OCR analysis of the CIFAS report confirmed False Application — Altered Documents, filed by Novuna Personal Finance. The report attributed the false information to the applicant. However, our analysis identified that the client had provided genuine documents to the broker, and the alteration occurred after the documents left the client's possession.
How we challenged this Novuna broker fraud CIFAS marker
The AI drafted a complaint making a clear distinction between the applicant and the broker. Under CIFAS filing standards, the marker should be filed against the party responsible for the false information. The complaint argued that Novuna had not investigated the broker's role, had misattributed the fraud to the applicant, and that the marker was inaccurate under UK GDPR Article 5(1)(d).
How this Novuna broker altered documents CIFAS marker was removed
Novuna investigated the broker's involvement following the complaint and accepted that the client had not knowingly submitted altered documents. The marker was removed within six weeks. The case highlights how broker fraud can result in markers being filed against innocent applicants.
Start your broker fraud CIFAS marker removal
If a broker or dealer altered your documents without your knowledge and a CIFAS marker was filed against you, the marker may be misattributed. Upload your CIFAS report and start your case today.