Frequently Asked Questions

A CIFAS marker is a fraud-prevention record placed on the National Fraud Database by a member organisation. It is not a criminal conviction, but it can affect banking, credit, insurance, and other applications.

Yes. A marker can be removed or corrected if it was filed inaccurately, unfairly, or without the basis the organisation was supposed to have. The first serious complaint usually goes to the organisation that filed it.

Many adverse CIFAS records can remain on the National Fraud Database for up to six years. That does not mean every record is correct for six years. If the filing looks wrong, the issue is whether it should be there at all, not only when it expires.

The clearest route is to request your personal data from CIFAS so you can see whether a record exists, who filed it, and what category was used. Once the record is in view, the next step is usually to request the issuer's data and decide whether a complaint is justified.

No. CIFAS says it is not a credit reference agency. A CIFAS record is a fraud-prevention filing, not the same thing as a missed-payment or default entry on a credit file.

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.

Once you have uploaded the record and completed the assessment properly, the first draft can be prepared quickly. The real variable is usually the quality of the material going in, not the writing time alone.

No. You upload the report and supporting documents, answer the assessment questions, and the service prepares the complaint draft and instructions. You stay in control of what is sent unless you choose the done-for-you route.

The next move depends on the route that is actually open. That may mean a reply to the issuer, a CIFAS complaint, or a Financial Ombudsman referral where eligible. The subscription is designed to keep that file moving.

The most useful starting documents are usually the CIFAS report, account closure or rejection correspondence, any final response, application materials, screenshots, payment explanations, and anything that helps establish a dated chronology.

Use the official CIFAS routes that match the job you need done, data access, complaints, or general guidance. If the real issue is why the marker was filed or whether it should be removed, the first serious complaint still usually goes to the organisation that recorded it.

Ask for the records they relied on, the investigation trail, the notes behind the decision, and the correct complaint route for the legal entity involved. A subject access request to the issuer often runs in parallel with the CIFAS request for that reason.

Yes. In many cases that is the best time to start. Once the record is in view, it is much easier to identify the marker type, the filing organisation, and the likely pressure points in the complaint.

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 of the complaint route.

The subscription covers assessment, complaint drafting, reply support, issuer subject access routes, and escalation documents as the case develops. The point is to keep the complaint, the replies, and the next route in one live file instead of treating it as a one-document service.

No. £149.99 per month covers all stages in the subscription model. There is no upfront commitment, no escalation fee, and no surprise charge.

Tell us during your assessment. Hardship pricing is available, including support at reduced cost or no cost for people 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.

Yes. There is a £1,500 done-for-you route for cases that need more direct handling, greater urgency, or a higher-touch service from the start.

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.