Frequently Asked Questions

A CIFAS marker is a fraud-prevention record that organisations may place when they believe fraud or financial crime concerns exist. It can affect banking, credit, and other applications.

Yes, a marker can be removed or corrected if it was placed inaccurately, unfairly, or without proper basis. The process usually starts with a complaint to the organisation involved.

Some CIFAS markers can remain for several years, depending on the category and outcome. If the marker is inaccurate or unfair, the right route is usually to challenge it with the organisation first.

You can request a copy of your CIFAS record directly from CIFAS by making a Subject Access Request. Once you have your report, we can assess whether a complaint may be appropriate.

No. We are not a law firm. We provide specialist complaint support for CIFAS markers. We help you draft complaints, understand correspondence, and navigate the escalation process. Where legal representation is required, we can work alongside your solicitor.

Your complaint is generated in 5-10 minutes after you upload your evidence and complete the assessment. You can send it to the issuer straight away.

No. You upload your evidence — documents, screenshots, correspondence, your CIFAS report — and answer questions about your situation. Our AI analyses everything and drafts the complaint for you. You review it and send it to the issuer using the instructions we provide.

We provide exact instructions for escalating your case to CIFAS and the Financial Ombudsman at the same time. Our support covers this at no extra cost.

Useful documents often include the CIFAS report, complaint responses, final responses, account closure emails, application materials, identity documents, and any evidence supporting your version of events.

No. We do not guarantee outcomes. We provide professional support to prepare your complaint and guide you through the recognised escalation process.

£149.99 per month. Cancel anytime. The subscription covers AI case analysis, complaint drafting, reply support, escalation documents, and AI-powered guidance — through every stage until your marker is removed. The faster the case resolves, the less you pay.

Everything: AI analysis of your CIFAS report, initial complaint drafting, SAR to the institution's DPO, reply drafts when the institution responds, escalation documents for CIFAS, FOS, ICO, and court preparation. No per-document charges, no per-stage fees.

No. £149.99/month covers all stages. No upfront commitment, no escalation fees, no surprise charges. Cancel anytime.

Tell us during your assessment. Hardship pricing is available, including support at reduced cost or no cost for those in genuine financial hardship.

Yes. There is no lock-in contract and no minimum commitment. Cancel whenever you want. If your marker is removed in the first month, that is all you pay. We also offer a best price guarantee — if you find a like-for-like service at a lower monthly price, we will match it.

Misuse of Facility usually means an organisation believes your own account or facility was used in suspicious or fraudulent activity, such as receiving or moving suspicious funds.

False Application usually means an organisation believes false information or documents were used in an application for a financial product or service.

Facility Takeover usually means an organisation believes a third party gained unauthorised access to your account. This marker is sometimes placed on victims of fraud, which is why it can be challenged.

An Identity Fraud marker means an organisation believes your identity was used fraudulently — either by you or by someone else using your details. If you were the victim of identity theft, this marker may have been placed incorrectly.

Asset Conversion usually involves financed or leased goods being sold, retained, or not returned in a way the organisation considers dishonest. Common contexts include vehicle finance, goods retention, and lease defaults.