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 looked like a work-from-home role. The job was presented as ordinary admin or payment-processing work, which is exactly why it did not immediately lo...
Barclays Crypto Scam CIFAS Marker Removal
Cryptocurrency investment scam, Our client was contacted through Telegram by people claiming to represent a professional investment firm and was encouraged to open exchange accounts and use their Barclays account to move funds conne...
HSBC Snapchat Crypto Scam CIFAS Marker Removal
Snapchat cryptocurrency scam, Our client was contacted through Snapchat by somebody offering cryptocurrency profits and what looked like a straightforward way to get involved. The account activity that followed was presented as pa...
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 let a friend use their Revolut account to receive payments that had been described as legitimate, money from a sale, support transfers or funds linked to an ordinary personal arrangement. T...
Barclays Broker Fraud False Application CIFAS Marker Removal
Fraudulent mortgage broker, Our client used a mortgage broker to arrange borrowing through Barclays and supplied genuine financial documents for that purpose. The problem arose when the broker altered material, including payslip...
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 and was receiving payments from buyers into a Barclays account as part of that process. In practical terms, the account then displa...
Lloyds Young Person Social Media CIFAS Marker Removal
Young person recruited on social media, Our client was 14 years old when somebody on social media offered what were described as quick ways to make money. Wanting to earn something and lacking the experience to recognise the risk, the child...
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 a Revolut account. The friend reassured them that the money came from a legitimate side business, and because the ...
Revolut Task Video Liking Scheme CIFAS Marker Removal
Task and video liking scheme, Our client was recruited online for what looked like a straightforward task-based job involving liking videos, completing surveys and rating content. At first the work resembled ordinary gig-economy a...
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 short-term support receiving payments because of problems with their own bank account. The arrangement was presented as temporary and practical,...
Barclays Gumtree Admin Job Scam CIFAS Marker Removal
Gumtree admin job scam, Our client responded to what looked like a genuine administrative job advert on Gumtree. The role was presented as ordinary back-office work, with payment processing framed as part of accounts receiva...
Monzo Friend Job Referral CIFAS Marker Removal
Friend job referral suspicious payments, Our client was referred by a friend to what looked like a genuine job opportunity involving payments through a Monzo account. The fact that the friend had already been doing it made the arrangement ap...
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, exchanging fiat payments and crypto transfers between them outside a formal exchange environment. From the customer's point of v...
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 an informal currency exchange arrangement, something that can arise in diaspora communities where bank transfers are seen as slow, expensive or impractical...
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 said they were having difficulties with their own banking and needed payments to be received temporarily elsewhere. The explanation given was that the mo...
Barclays Telegram Investment Firm Recruitment CIFAS Marker Removal
Telegram investment firm recruitment, Our client was contacted through Telegram by people claiming to represent a professional investment firm. They were told they could earn commission by helping to process trades through their Barclays ...
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 activity the bank treated as suspicious. The transactions related to the ordinary operation of the company, includi...
Nationwide Crypto Scam via Snapchat CIFAS Marker Removal
Crypto scam via Snapchat, Our client was contacted through Snapchat by someone promising cryptocurrency returns and giving what sounded like practical instructions for getting started. They were told to receive and move funds ...
Lloyds Social Media Middleman Fraud CIFAS Marker Removal
Social media middleman fraud, Our client was recruited through social media to act as a middleman in what was described as a legitimate business operation. The role involved receiving payments into a Lloyds account and sending the...
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 had any real opportunity to investigate, query, or return the money, Barclays froze the ac...
Monzo Business Recruitment Payment Processing CIFAS Marker Removal
Business recruitment payment processing, Our client was recruited into what looked like a legitimate business role involving payment processing. The explanation given was that the company was still setting up its infrastructure and temporari...
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 and, over time, followed instructions from the influencer's so-called team about how transactions should be handled. ...
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 and later disputed the payment when the service failed to deliver what had been promised. Instead of the issue remaining what it looke...
Barclays Company Administration CIFAS Marker Removal
Company went into administration, Our client was a director of a company that later went into administration. In the period before the failure, the business account showed transaction patterns linked to a company under financial strai...
HSBC Retaining Wrongful Credit CIFAS Marker Removal
Retaining wrongful credit dispute, Our client received funds into an HSBC account that were later said to have been sent in error. The difficulty was that the customer disputed that characterisation and believed the money was genuinely...
Revolut Social Engineering Scam Victim CIFAS Marker Removal
Social engineering scam victim, Our client was targeted by a sophisticated social-engineering scam and pressured into using a Revolut account in ways that only later turned out to be part of fraudulent activity. The fraudsters creat...
Nationwide Crypto Fraud via Snapchat Contact CIFAS Marker Removal
Crypto fraud via Snapchat contact, Our client was approached by a Snapchat contact with whom they had been speaking for some time and was offered what looked like a credible cryptocurrency opportunity. Because trust had already been bu...
Monzo Facebook Recruitment Message Scam CIFAS Marker Removal
Facebook recruitment message scam, Our client received a Facebook message offering quick cash for very little work. The arrangement was presented as a side hustle, and the task sounded simple: receive money into a Monzo account, move i...
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. That meant deposits, larger incoming payments, and irregular transaction sizes passing through a Revolut account in a pattern th...
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 and allowed other people to use it in ways that triggered fraud concerns. At that age, the client did not have ...
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 moving money. They were told they could earn small amounts by helping with in-game purchases and related transfers through ...
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 run of payments from a friend who was repaying a personal debt in instalments. From the bank's point of view, the account showed regular incoming transfers that did not look like...
Halifax Building Work Deposit Retained CIFAS Marker Removal
Building work deposit retained, Our client received a deposit for building work into a Halifax account. A dispute later arose about the work itself, and the customer attempted to reverse the payment or challenge the transaction as i...
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 automa...
Revolut Cryptocurrency Trading Flagged CIFAS Marker Removal
Cryptocurrency trading flagged, Our client was actively buying and selling cryptocurrency, then receiving or moving fiat proceeds through a Revolut account. From the bank's side, the account showed repeated incoming payments, moveme...
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 o...
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 then transferred the proceeds into a Halifax account. To the bank, that incoming payment appears to have looked suspicious because it came from a crypto-a...
Halifax Conductor Unexplained Funds CIFAS Marker Removal
Conductor unexplained funds, Our client worked as a conductor and had money coming into a Halifax account from several perfectly ordinary sources: wages, overtime, tips, casual work, and sales of personal items. Taken together, t...
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 what looked like a passive income opportunity. The scheme relied on using a Halifax account to receive and move payments in return for a comm...
Barclays False Address Application Fraud CIFAS Marker Removal
False address application fraud, Our client applied for a Barclays product using a new address after moving home. The problem was that the paperwork and external records had not all caught up at the same time, so Barclays saw a misma...
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 and convincing testimonials. The arrangement was presented as a sophisticated but legitim...
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 a peer-to-peer platform, with buyers then paying into a Nationwide account. From the customer's perspective, this was straightforward ...
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 approached through Instagram by what looked like a credible investment-style opportunity. The profile appeared polished, the messages were persuasive, and the promised returns were fram...
Monzo HSBC Transfer Scam Victim CIFAS Marker Removal
HSBC transfer scam victim, Our client received a transfer into a Monzo account that later turned out to trace back to a compromised HSBC account. At the time, the customer says they did not know the sender or understand that th...
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 thr...
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 became connected to fraudulent movement by a third party. The customer had either shared details under pressure or deception, or otherwise lost control of how the account...
Nationwide False Income Mortgage Application CIFAS Marker Removal
False income mortgage application, Our client applied for a mortgage through Nationwide and ran into difficulty because their income did not fit neatly into a single, conventional employment picture. They had a mixture of earnings, inc...
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 cl...
Revolut Fund Transfer Without Knowledge CIFAS Marker Removal
Fund transfer without knowledge, Our client discovered that money had moved through their Revolut account without their knowledge. The working concern was that the account had been accessed by somebody else, whether through a comprom...
Barclays Bitcoin Friend Help Scheme CIFAS Marker Removal
Bitcoin friend help scheme, Our client agreed to help a friend buy Bitcoin by receiving money into a Barclays account and using it to make purchases on the friend's behalf. From the client's side, the arrangement was framed as a...
Revolut Brother in Nigeria Currency Help CIFAS Marker Removal
Brother in Nigeria currency help, Our client was helping a brother in Nigeria with currency transfers. The arrangement involved receiving value through local contacts and then sending the GBP equivalent through Revolut, which is the k...
Lloyds Crypto Money Lending Confusion CIFAS Marker Removal
Crypto money lending confusion, Our client had been lending money informally to contacts who wanted to buy cryptocurrency and were then repaying those sums later, sometimes with a small uplift. Through Lloyds' monitoring systems, th...
Monzo Girlfriend Flower Business Scam CIFAS Marker Removal
Girlfriend flower business scam, Our client allowed a girlfriend to use a Monzo account for what was described as a flower business. Payments came in from supposed customers, and from the account holder's perspective the activity app...
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 carry out transactions without the account holder's knowledge. From the customer's side, the issue was not suspicious use ...
Monzo Vape Sale Refund Dispute CIFAS Marker Removal
Vape sale refund dispute, Our client sold a vape product in what looked, at least at the start, like an ordinary private sale. Payment came through Monzo, the item changed hands, and the trouble only started later when the buy...
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 part of Barclays' fraud prevention team. The caller knew enough personal and account information to sound genuine, which is exactly what ma...
Barclays Account Closure No Explanation CIFAS Marker Removal
Account closure with no explanation, Our client's Barclays account was closed without any real explanation beyond a standard end-of-relationship letter. At the time, there was no meaningful account of what the bank believed had happened ...
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 a personal Revolut account for cryptocurrency trading, buying and selling crypto and then receiving or moving the fiat proceeds through the same ecosystem. From the customer's side, th...
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 roughly GBP 200 into their Barclays account and did not immediately recognise it when questioned about it. The money was linked to legitimate work, but the de...
Lloyds Ex-Partner Abusive Relationship Account Misuse CIFAS Marker Removal
Ex-partner abusive relationship account misuse, Our client was in an abusive relationship in which their partner exercised control over finances, including the Lloyds account at the centre of the case. The ex-partner used the account for suspicious...
HSBC Student Address Verification Dispute CIFAS Marker Removal
Student address verification dispute, Our client was a student who used a genuine university accommodation address on an HSBC application. The problem appears to have arisen because student halls and temporary accommodation do not always ...
HSBC Student Job Group Contact Recruitment CIFAS Marker Removal
Student job group contact recruitment, Our client was a student who was recruited through what appeared to be a trusted university jobs group or student network. The offer promised paid work and involved receiving and forwarding payments t...
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 detai...
Nationwide Renewable Energy Course Chargeback CIFAS Marker Removal
Renewable energy course chargeback, Our client paid for a renewable energy training course that, they said, did not deliver what had been promised. When they tried to recover the payment through a chargeback, the dispute appears to have...
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 exc...
Monzo Unknown Reason CIFAS Marker Removal
Unknown reason for marker placement, Our client discovered a CIFAS marker filed by Monzo but had no clear explanation of why it had been placed. The account had been closed, the consequences were immediate, and yet the customer was left ...