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Hello, I hope you are well. My name is***** am a solicitor advocate and I will be assisting you with your question today. I am very sorry to hear of the problem you are experiencing and I will do my best to help you with this matter.
Can I please ask you to give me some more detailed information regarding this matter so as to allow me to work with you and help resolve your enquiry.
What was the marker put in place for, when was this done, and did you do as the bank claims?
How did the person get your card? where did the fraud money come from?
So you gave them your card or card details in an attempt to make quick easy money.
As you were a participant then he marker is going to remain on file for 6 years. The marker is there for the misuse of the facility.
You have no say in whether it is removed. You took pat willingly to gain funds quickly you should not have given your details out to do so. This is a consequence of those actions. A marker for misuse of facility will remain on file for six years. You have 3 ore years to go.
As you know why the marker is there,
Once the CIFAS letter has been received, you can then contact the institution Natwest that issued your marker to request further information before asking for the marker to be removed.
If Natwest turns down your request for the marker to be removed, you can then request a review directly with the CIFAS, provided that a final response letter has been issued by the Natwest.
If CIFAS uphold Natwest decision and refuse to remove the marker, it’s possible to raise a complaint with the relevant ombudsman for the institution that put the marker in place.
As this was a bank, then the Financial Ombudsman would be the relevant authority to contact.
But because you were involved in what happened, your age makes no difference, it is most likely all agencies will find against you and the marker will remain for the full 6 years.
You can come back anytime, but as you were out of time with the bank, now your only option is to ask CIFAS to remove and if they refuse the financial ombudsman, but again I think they will all refuse to do so,
Thank you for using Just Answer and for allowing me to assist you with your legal enquiry. I am pleased I was able to be of assistance. Please do not hesitate to come back to me for further advice on this or any other legal matter. It will be my pleasure to be able to assist you again.
Hello, Can I assist or clarify anything further?
Then let’s hope they agree to remove the marker. If they do not you now know the appeals process.