Having real issues obtaining a basic bank account.

[Never-In-Doubt]

Re: Having real issues obtaining a basic bank account.

Okay guys, just reordered my credit file today - and guess what, the fraud marker is still there. Sigh. Shall I send the letter now?

you need to contact CIFAS.

I would send a SAR to CIFAS - see here ---> CIFAS - Subject Access Requests

Then let us know what they have on their records.... the CRA is not always as accurate as CIFAS plus it's only the 15th, give it a week or so then apply to CIFAS - i'd say by the end of the month.

As for upgrading phone, sit tight - not long to go now....

[henryJSB]

Re: Having real issues obtaining a basic bank account.

Okay guys, just reordered my credit file today - and guess what, the fraud marker is still there. Sigh. Shall I send the letter now?

[henryJSB]

Re: Having real issues obtaining a basic bank account.

Very patiently waiting still, not long to go. Was really excited about being able to upgrade my phone so gutted I have to wait for that. I keep checking my credit file daily to hope the CIFAS marker has gone!

[SA Gold]

Re: Having real issues obtaining a basic bank account.

This is all so informative, I've honestly never actually been given proper answers about these things before. Thanks for all your help guys I guess now I play the waiting game until October!

Just picked up on this thread. Good luck mate, fingers crossed in a months time it will gone.

[Survival]

Re: Having real issues obtaining a basic bank account.

This is all so informative, I've honestly never actually been given proper answers about these things before. Thanks for all your help guys I guess now I play the waiting game until October!

that's why I gave you the link to the site via private message on MSE, their advice doesn't compare to the expertise on here:niddy

[henryJSB]

Re: Having real issues obtaining a basic bank account.

This is all so informative, I've honestly never actually been given proper answers about these things before. Thanks for all your help guys I guess now I play the waiting game until October!

[Never-In-Doubt]

Re: Having real issues obtaining a basic bank account.

How would they find out about CIFAS without running a credit check?

It wasn't auto renewal, I went in and signed a new contract, not exactly when the old one was up but a few months later. Mobile contracts just keep going if you don't cancel them…

cifas category 01 is protective registration - no credit can be granted automatically whilst it is there or the consumer would not be liable, unless the lender first did the standard checks.

Whether the phone company do an actual search is irrelevant, the fact that SHARE/CAIS etc provide the lender feeds each month tells them there is a protective registration on the account holder.

I'm just saying, it is pointless risking a yea for a month - lets wait and see yea? It should go in month 13 ie between now and October.

[Never-In-Doubt]

Re: Having real issues obtaining a basic bank account.

Are we talking a mobile phone contract? In my experience, as an existing customer you just sign another contract, and they don't run a credit check.

Not when you have CIFAS - it is designed to stop exactly that happening! Hence the object of CIFAS, to stop auto renewals etc taking place!

[Never-In-Doubt]

Re: Having real issues obtaining a basic bank account.

Also perhaps this is relevant, but I opened my think banking account with absolutely no issues, why is that?

Is think a bank? No.

It's a piece of shit account that scams the needy to line their own pockets.

[Never-In-Doubt]

Re: Having real issues obtaining a basic bank account.

So it's unlikely they will upgrade me because of this CIFAS thing? I was planning to get an upgrade on Oct 7th as soon as i could. I thought it would be straight forward Does that mean they will terminate my contract?

Hard to say what they will do, but right now the contract does come second best to the CIFAS based on the fact once CIFAS has gone it'll be easier to get a new mobile from any supplier

Don't stress, just sit tight - you'll be fine

As an existing customer you ought to be fine but we do not want to alert them to you a week before CIFAS removal date do we? If you see what I am trying to say here.....

[henryJSB]

Re: Having real issues obtaining a basic bank account.

Also perhaps this is relevant, but I opened my think banking account with absolutely no issues, why is that?

[henryJSB]

Re: Having real issues obtaining a basic bank account.

So it's unlikely they will upgrade me because of this CIFAS thing? I was planning to get an upgrade on Oct 7th as soon as i could. I thought it would be straight forward Does that mean they will terminate my contract?

[Never-In-Doubt]

Re: Having real issues obtaining a basic bank account.

October 14th as CRA's update weekly and if you time it wrong we could cause a firestorm a day early. Saying 14th gives some days PLUS a clear update cycle so we'll know for sure 100% by then yea?

Then do your upgrade after complaint. You'll be fine (I think).... It's unlikely they'll upgrade now remember and they may add another year to the cifas record.

[henryJSB]

Re: Having real issues obtaining a basic bank account.

Yeah I guess not, so shall I wait until October 3rd?

[Never-In-Doubt]

Re: Having real issues obtaining a basic bank account.

Regards upgrade let's wait a month. By 14th October, get a new report and let's hope it's gone yea?

Then we'll know what step to take next, if any.... We'll get you there. I have ermm 8 full accounts with 5 defaults