Real outcomes
CIFAS Marker Case Studies
Every case is different. These are real outcomes from people who used our service. We do not guarantee results, but we support you through every step.
Revolut — Misuse of Facility
D's Revolut account received a series of payments from contacts that Revolut flagged as suspicious. The account was frozen and closed, and a CIFAS Misuse of Facility marker was placed on D's record without prior notification. D discovered the marker when trying to open a bank account elsewhere and was declined.
Lloyds Bank — False Application
M applied for a Lloyds credit product through a broker. The broker submitted income information that Lloyds later said was inaccurate. Lloyds placed a False Application marker on M's CIFAS record. M did not know the broker had submitted incorrect figures.
Barclays — Facility Takeover
R's Barclays account was compromised through a SIM swap attack. Fraudulent transactions were carried out by the attacker. Barclays placed a Facility Takeover marker on R's CIFAS record — but recorded R as the suspect rather than the victim.
Monzo — Misuse of Facility
J's Monzo account was closed without warning after receiving payments that Monzo flagged as suspicious. J had no idea a CIFAS marker had been placed until being declined for accounts elsewhere. Monzo had not notified J of the marker or explained the reason for account closure.
HSBC — False Application
HSBC placed a False Application marker after alleging that A's mortgage application contained inaccurate information. A maintained that all information provided was correct at the time of application. HSBC refused to engage with A's complaint at all.
Starling Bank — Misuse of Facility
K was accused of money muling after receiving payments into a Starling account. K had no knowledge that the payments were suspicious — a friend had asked K to receive and forward money as a favour. K was not aware this constituted money muling.
NatWest — Misuse of Facility
NatWest placed a Misuse of Facility marker on T's record after flagging suspicious transactions. T's initial complaint was rejected with a generic response that did not address the specific arguments raised.
Halifax — False Application
A mortgage broker submitted information on P's behalf that P did not know was inaccurate. Halifax placed a False Application marker on P's record. P only discovered the marker when trying to remortgage elsewhere.
Tide — Misuse of Facility
L's business account with Tide was flagged and a CIFAS marker placed with no notice. L discovered the marker when unable to open a new business account. The marker was affecting L's ability to operate their business.
Kroo Bank — Misuse of Facility
When Kroo responded to S's complaint, S did not understand what they were asking for. The response used technical language and asked for specific documents that S was unsure about.