Jump to content


  • Tweets

  • Posts

    • Holding my hands up I was a naughty boy driving a transit van along the A55 in Wales in February and exceeded 60mph in what I thought was a 70mph zone. ( all to do with the weight of the van). When I realised the error of my way I took the fine and sent my licence off by Royal Mail. Yesterday I received a letter from North Wales Police saying that I was now being prosecuted in court for failing to surrender my licence. I paid the fine as soon as I received the £100 penalty letter and carefully read the form ( which is confusing to say the least) and immediately took a walk to the post box and sent my licence off. In hindsight I’m a fool for believing that the licence would get to the HMCS in Loughborough without the need to track and trace the letter. I still believe that Royal Mail hasn’t lost the letter with my licence in it as I have never had any other letter go astray. I believe the licence is with HMCS it’s just not yet been processed probably due to Covid backlog. Seems Covid is to blame for everything these days. How can I avoid this going to court? I’ve never had a speeding ticket in over thirty years of driving or any other ticket hence why I was keen to comply with the ticket and send my licence off as instructed.
    • Rejection letter to be sent to the FOS   I am declining your decision of 13th April for the following reasons:   Much of your decision is predicated on your view that Aviva had a “process” in place and that they followed this process and as a result their decision to enter an insurance contract in 2015 despite their misgivings was fair.   1.      Nowhere in your decision have you explained what the process was and whether in fact the process was fair. Clearly your view is that with regards to that process, all that was needed was for Aviva apparently to follow this process and any outcome would be fair and regardless of the fairness of the process.   2.      On 2 June 2021 I received a telephone call from the Aviva complaint team. During the conversation, they informed me that in fact that in 2015 the call handler had been wrong and had not followed the correct process. The Aviva caller told me that it was not part of the process for the call handler in 2015 to refer her suspicions to her manager. Clearly, if the call handler in 2015 had adhered to the correct process and allowed herself to be guided by her own suspicions then Aviva would not have agreed to provide the insurance cover and they would not have become the victim of fraud. In fact what we find is that the correct process and the very serious suspicions of the call handler were overridden by a manager. Evidntly either Aviva has misled you as to the nature of the process or else they have not disclosed their process to you. It may even be that Aviva does not have a written “process”. They only have “a way of doing things”. If it is correct that you have not seen the Aviva process but have simply taken their word for it, then it is clear that your investigation is flawed and your decision has fallen short by any reasonable standards. If on the other hand Aviva has misled you as to the nature of the process, then I think you have a very serious issue with Aviva. I believe that you have never once seen the “process” upon which you are purporting to rely upon in your decision. You may be interested to know that the man who defrauded Aviva also attempted to use my identity to defraud a number of loan companies. I’m pleased to say that all of those companies exercised sufficient diligence that they did not become victims of the fraud. Only Aviva failed to exercise proper care and allowed themselves to be defrauded. You may also be interested to know that the police have interviewed me and they have interviewed my brother and they are preparing to charge my brother in respect of his fraudulent activity. I am under no suspicion whatsoever. The police have informed me that they will be speaking with Aviva facing fairly soon.     There are many other reasons why I am refusing to accept your decision. All the other reasons turn on the fairness of your decision but the reasons above go to the heart of your own investigative process and the quality of your decision. It is not insignificant that I have submitted a Freedom of Information Act request and also a Data Protection Subject Access Request to you and so far you have failed to respond within statutory deadlines. I have also sent Aviva a Subject Access Request and they have extended the deadline for compliance by a full two months for spurious reasons which I do not believe. I have also asked Aviva for sight of their policies and procedures in respect of the rules that they apply to their customers for the setting up of new business.  Needless to say I have received no response. The Aviva website makes a show of being aware of the dangers of domestic financial abuse and they trumpet their association with the organisation Surviving Economic Abuse and they say that their staff are all trained in spotting the signs. I have asked to see their abuse policy and I have received no response. None of this is surprising.    It is clear that Aviva have acted carelessly. They were suspicious but preferred to get the new business.  Aviva are complicit victims of the fraud. It is Aviva which is the victim of fraud but they prefer to try and avoid their responsibility and pass the buck onto me. I’m pointing out that it is Aviva which is the victim of fraud because I can state categorically now that I have no intention of paying any of the money which Aviva is demanding of me. I notice that Aviva prefers to harass me for an alleged debt rather than simply bring a claim in the County Court where an impartial judge would look at all the evidence including information which so far Aviva has declined to disclose.   This letter is intended to decline to accept your decision but also is intended to be my formal complaint which I wish to be escalated to the Independent Assessor. Please confirm receipt of this complaint, that it is being forwarded and  provide me with any policies and guidelines to the Independent Assessor route and also let me know the timescales involved. I will want to provide further information to the Independent Assessor.   Yours faithfully
    • The G7 hasn't gone to plan, has it?   Rather than showing the UK off as a potential global leader, Johnson has probably started a trade war with the EU and is being told that other nations don't trust him.
    • Hi   I assume this mattress was the Tenants own property?   So after moving out the Tenants provided an attachment showing a stained mattress and wanting full deposit back and threatening to claim against you for this.   1. Tenants failed to notify you of this stained mattress issue until the end of tenancy after they had vacated the property.   2. You have no evidence that this was the actual mattress used in that property nor evidence to back up there claim the staining caused this mattress damage.  (i.e. one of them could have had an accident and wet the bed or done this when they moved from the property).     3. Ask them that you wish the mattress independently inspected. (which you are fully entitled to do and if it proves this claim is false it will be added to the deposit claim by you the landlord for damages as well as the Garden if you need to get landscapers in to carry out the work that should have been carried out by Tenants as per Tenacy Agreement and raised  by yourself (Landlord) on a few occasions which Tenants failed to rectify even at end of tenancy.   4. Ask them to provide you with the contact details of there Contents Insurance Company (tenants whether Private or Social Housing should always take out and have Contents Insurance but is up to that tenant) bet they don't provide it Big question is the Deposit protected in a Tenancy Deposit Scheme (TDS) and those Tenants that have left were given a copy of the Prescribed Terms for that TDS? (Bear in mind you may need to tell TDS that you are in dispute with the Tenant about damages i.e. mattress and Garden)    
    • plenty of time to research and calm down. nothing much to do until the end of june.    
  • Recommended Topics

  • Our picks

  • Recommended Topics

New view on CIFAS..


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2257 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

As i have read, cifas is a non profit making organisation.

NOT A GOVERNMENT ONE, (maybe i'm wrong)

 

You can do a Data request (£10 one)

 

Technically they are a private organisation, so do they not need some rights to be able to issue a cifas warning on your credit file. It is your data they are dealing with, but what right do they have to pass on this information if you have no agreement, or contract with them.

 

Any views however unsignificant they may help. Lots of us are effected by these warnings, making it nearly impossible to get credit of any description.

Lets hear your views, please.

Link to post
Share on other sites

Maybe its ok to store it, but are they allowed to share it.

I mean your bank cannot just go a tell the man next door your account details.

 

What more right does an organisation have to share acifas warning?

Link to post
Share on other sites

One other thing, myself and another family member have a cifas warning at same address.

Mine is due to be taken of at the end of september, but his not to december. If i apply for credit is, it likely to affect me, that his is still registered against the address?

Link to post
Share on other sites
  • 10 months later...

Hi THEVARNSTER ..

 

Few facts .. CIFAS is a not-for-profit organisation, but they are far from NGO .. it is an organisation encompassing A LOT of government agencies, including, would you believe, the security service MI5, the police, treasury, Revenues and Customs, and a bunch of others.

 

If you think dealing with the CRAs is bad, wait until you've had to deal with CIFAS. Although they say they are regulated by the FSA, they are in fact not, and because they have this government/private/voluntary unholy partnership and status, they are in effect above the law and will continue to be so until there is a test case taken through the high courts to prove otherwise.

 

Another bit of info: although the CRAs and CIFAS themselves tell you that no lender is allowed to refuse you credit simply because of the presence of CIFAS info on your file, this is a complete lie: if you read the fine print ALL bank account opening criteria (ALL but one: Alliance and Leicester), they point blank state that they will not offer even a basic bank account facility opening if there is any trace of fraud on your CRA files and that is actually means the presence of CIFAS information on your file. One exception: the so-called proactive registration.

 

Over the past 2-3 years, banks, credit card issuers and the CRAs have conspired to scare everyone into a panic about the so-called identity theft myth, and hence you now see CIFAS warnings tarnishing people's credit files whenever a half-witted idiot at the other end of a phone, sitting somewhere half way round the world decides that they feel like it.

 

More alarmingly, the mere presence of a CIFAS warning against yourself, even a pro-active reg, will encourage any credit provider to add one to your file "just in case" whenever an application fails.

 

Oh, and forget about getting it removed. I tried, for an entire 6 months, writing letters and complaining to CIFAS, the so-called member who registered it on my file, the FSA, the ICO, and by the time my letters were answered, the warning has of natural causes: one year and 2 months as the case seems to be for this filth to lapse.

 

One last bit of info: having a CIFAS warning on your file is actually stating that you have committed a criminal offence, ranging from deception to handling stolen goods, depending on the category of the warning which, you guessed it, is at the discretion of the registering body.

 

How do I know that ? I had one warning registered against me by good old HSBC. The reason: I made a mistake on the length of time I was at an address. To them that was deception, so instead of asking for verification, they registered a CAT 4 warning (material falsehood, facility refused blah blah), and needless to say, refused me a bank account. While the warning was in place, I applied to Welcome Finance for a loan and to (then) :ntl for a cable TV line, and presto: refused, with two additional warnings. And to be clear, I made sure my credit file was right infront of me when I applied to both those monkeys just to get the dates right. Both are about to expire in a couple of months time, but I think you get the picture.

 

Now to answer the question whether this does affect other member of the same household, and it is a simply YES. This is because CIFAS warnings are registered against an address as opposed to an individual.

 

Finally, and just to make you all feel just a little bit better: the 1-year time lapse is a minimum, and people have been known to have CIFAS warnings on their files for as long as 10 years, but this is in the extreme. Also, be aware, that as long as you are disputing the CIFAS warning on your file, the lender will continue to extend it.

 

Hooorrraaaa for Big Brother !!

 

prof.hell

Link to post
Share on other sites
anyone can store data on you as long as it is accurate, equifax, experian etc are private companies

 

Hi blacksheep ..

 

Not entirely accurate: there are a number of principles that the DPA sets out for people holding data on a data subject, and accuracy is just on of them. There is the issue of necessity for example. There is also the requirement that those holding information on people be registered as Data Controllers, which is the subject of another thread I am about to start in the DPA forum.

 

Off-topic, if anyone is reading this because of CIFAS nightmares, please sign my petition on the Campaigning forum (CIFAS vs the rest of us). Let's get enough votes to start a CIFAS-specific forum, and let's take those Hitlers on.

 

Thanks ..

 

prof.hell

Link to post
Share on other sites
  • 2 weeks later...

Some basic CIFAS history.

 

The old name CIFAS used to be know as was, the Credit Industry Fraud Avoidance System. It was, and is just that an Industry Fraud Avoidance System.

 

One of the services offered by CIFAS is Protective Registration. Even the Home Office, Identy Theft web site's advice page, advises members of the public who've fallen victim to ID theft to consider Protective Registration, costing £11.75 per year, is password based and I believe their call centre is based in Eire.

 

Unforunately not all lenders are CIFAS members, therefore when Joe Public (without reading or understanding the small print) signs up for Protective Registration thinking they are FULLY protected, they're not.

 

A much simpler means of protecting yourself while holding lenders to account can be found at Identity Theft protection, ID fraud prevention tips, Impersonation fraud assistance

 

CIFAS Website.

Link to post
Share on other sites
Some basic CIFAS history.

 

The old name CIFAS used to be know as was, the Credit Industry Fraud Avoidance System. It was, and is just that an Industry Fraud Avoidance System.

 

One of the services offered by CIFAS is Protective Registration. Even the Home Office, Identy Theft web site's advice page, advises members of the public who've fallen victim to ID theft to consider Protective Registration, costing £11.75 per year, is password based and I believe their call centre is based in Eire.

 

Unforunately not all lenders are CIFAS members, therefore when Joe Public (without reading or understanding the small print) signs up for Protective Registration thinking they are FULLY protected, they're not.

 

A much simpler means of protecting yourself while holding lenders to account can be found at Identity Theft protection, ID fraud prevention tips, Impersonation fraud assistance

 

CIFAS Website.

 

Hi Jimmy,

 

Interesting post, though it's hard to see the point behind it .. trust me, I'm not seeking an argument.

 

Whether CIFAS provides a so-called "proactive registration" or not still does not provide the same advantage to consumers as the massive power it gives it's members.

 

I put it to you and everyone reading that CIFAS affords a route to lenders and their other customers to tarnish not only your credit record but also your very lifestyle by sharing information both with their members and other government agencies where the ONLY material backing is the member's say so. No way to challenge this, apart from writing and getting standard response letters, and no financially viable way to bring legal proceedings against the member, CIFAS or both. I for one would be far more comfortable if some judicial or law enforcement agency like the police or HMRC was given jurisdiction over fraud - at least you have a legal route and means to contest, challenge and rectify their decisions if need be.

 

With regards to identity theft, whilst I do accept that it is possible for this to occur, how much independent statistics does the public have to substantiate all this paranoia ? all we have is the say so of Experian and Equifax who have their own "trusted" statistical sources and, offcourse, not forgetting CIFAS - again a say so. All while at the same time giving the financial industry, and more so CIFAS members, a free hand with our rights, our lives and our financial livelihood.

 

The irony of all of this is that this twisted state of affairs has been systematically drummed into the ears of already over-worked police and law enforcement agencies' ears, and even to the political mainstream, without any real counter argument to tip the balance to at least a fair equilibrium.

 

FYI, I have myself been a victim of CIFAS flags being placed unjustly on my file - (Class 4, application fraud), with only a telephone argument with the respective compliance officers, and standard replies to long trails of postal complaints against that. In the end, the flags expired without me EVER reaching a satisfactory conclusion, and believe me, I am very well informed on both the law and the "theoretical" protection the DPA and the FIA are supposed to provide us.

 

Out of interest, and in the best spirit, tell us honestly and plainly, are you a CIFAS employee or affiliate, or does this also fall under the auspices of the limitless protection CIFAS affords its inner circle ?

 

Thanks,

 

prof.hell

Link to post
Share on other sites

Prof.hell.

 

The points behind the posting are:

 

CIFAS is designed to primarily protect the industry and NOT the individual. Individuals as you've well experienced are at the bottom of the food chain and putting things right isn't easy.

 

Victims of ID Theft are advised to consider subscribing to CIFAS Protective Registration. This IMHO is not the best advice available, where as using the system I desribe at www.freeidportection.co.uk offers more, can cost nothing and is open to everyone.

 

Using the system at Identity Theft protection, ID fraud prevention tips, Impersonation fraud assistance provides law enforcement agencies the forensic evidence they need to finger fraudsters. No other system does this.

 

Primarily it prevents a fraud warning being put on your account by lenders.

 

Last of all I'm not a CIFAS employee, nor do I work in the finance industry.

 

I want to take ownership of my own ID and be able to hold those who dare abuse it or steal it to account. If they dare.

 

Hope this answers your questions.

Link to post
Share on other sites

regarding cifas, i have got my credit file

under cifas is a persons name, at an address i used to live at, (left that address may 2004),

clients name (a bank)

date recorded 04/07/2006

catagory 04(99) - on checking this means declined

name: unknown person who obviously moved in well after we left

 

so, why is this on my credit file? and because me and partner have stated financial connection, it is also on his credit file too.

we left may 2004, so why is this person on both mine and partners credit file? anyone know?,

Link to post
Share on other sites
regarding cifas, i have got my credit file

under cifas is a persons name, at an address i used to live at, (left that address may 2004),

clients name (a bank)

date recorded 04/07/2006

catagory 04(99) - on checking this means declined

name: unknown person who obviously moved in well after we left

 

so, why is this on my credit file? and because me and partner have stated financial connection, it is also on his credit file too.

we left may 2004, so why is this person on both mine and partners credit file? anyone know?,

 

Hi Groovy,

 

The reason someone else's CIFAS warning is on your file and that of your partner's is because CIFAS **** base their system on addresses as opposed to individuals.

 

In your case, it should not matter at all that you have this warning: it's in someone else's name on an old address. The catch, offcourse, is that almost all your automated applications for credit are likely to be referred, or worse, declined until you contest them, provide further details etc. etc, and there is a good likelihood that they will be denied any way.

 

What you and your partner can do about it is file for a disassociation with Mr. X at your old address. It's pretty simple, and simply involves filling in the forms with the three credit [problematic], Equifax, Experian and CallCredit.

 

They will write to you asking for post identification docs and what not, and within 21 days, afforded by law, you will be disassociated with that person. It will also mean that his details will be wiped of your file. Just make sure you keep track of your communication with the CRAs.

 

I hope this helps you.

 

Prof.Hell

-----

Cleared default with Egg (WON)

Disputing settled default with O2 (ongoing)

Disputing settled default with Halifax (ongoing)

Disputing Experian linked address information (ongoing)

Disputing 6 defaults with HSBC, 1st Direct, Capital 1, Barclaycard and Barclays bank (ongoing)

Link to post
Share on other sites
  • 6 months later...

Hi boys and girls ..

 

Been a while since my last posting, and been very busy meanwhile.

 

My latest conquests: I won a case out-of-court against HSBC's registration of a Cat 4 CIFAS warning on against me. They sent me a final response letter, which I pulled apart to pieces on facts, giving them 7 days to respond before court action. That did it.

 

Dispute with O2 is now at court stage, will let everyone know how I get on.

 

Dispute with Halifax and their debt purchasing jokers Arrow Financial almost cleared; Default by Arrow removed from Equifax and same is taking place through Experian. Served an S10 notice on HBOS (Halifax) to get the other trails removed, will keep this thread posted.

 

Address linking information corrected with Experian. Duplicate and invalid links removed.

 

Let me know anyone if you are interested in the background to any of those cases either on this thread or through e-mails.

 

Thanks,

 

Prof.Hell

Link to post
Share on other sites
  • 3 months later...

Hi,

I am interested in the background of all your cases as I'm going to start similar to your procedings. Any information would be greatly appreciated!

Link to post
Share on other sites
  • 1 month later...

Just got alerts from all three CRA’s warning me of an alteration to my credit file on checking I found a CIFAS warning registered at my previous, previous address I actually own this property and have it rented out.

The warning relates to an application for a current account in the name of the person I purchased the property from.

I actually have a genuine account in my name at my present address with the same financial organisation the fraudster applied to I got little joy on contacting them.

What I fail to see is why can’t the CIFAS warning be excluded when my name is searched at the old address as the bank know me and know I had nothing to do with the bogus application.

Link to post
Share on other sites
  • 6 years later...

Hi,

 

please could have your email address. I would like some advise on a cifas warning on my file.

 

thanks

valol

 

 

Hi boys and girls ..

 

Been a while since my last posting, and been very busy meanwhile.

 

My latest conquests: I won a case out-of-court against HSBC's registration of a Cat 4 CIFAS warning on against me. They sent me a final response letter, which I pulled apart to pieces on facts, giving them 7 days to respond before court action. That did it.

 

Dispute with O2 is now at court stage, will let everyone know how I get on.

 

Dispute with Halifax and their debt purchasing jokers Arrow Financial almost cleared; Default by Arrow removed from Equifax and same is taking place through Experian. Served an S10 notice on HBOS (Halifax) to get the other trails removed, will keep this thread posted.

 

Address linking information corrected with Experian. Duplicate and invalid links removed.

 

Let me know anyone if you are interested in the background to any of those cases either on this thread or through e-mails.

 

Thanks,

 

Prof.Hell

Link to post
Share on other sites

Hi valol and welcome to CAG.

 

This thread is so old that it is no longer any use. The best thing you can do is start a new thread and explain your issues.

 

Thread closed

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2257 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...