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Dear Sir/Madam
I very much hope you are having a wonderful day and things are going well for you. Thank you so much for taking the time to read my proposal today in needing some help with a legal issue. That is very kind of you.
I please wanted some clarity on the CIFAS markers that banks in the UK can apply to customers accounts for instances of Fraud. This is usually such as Application Fraud, opening an account under false identity. Further Money Laundering, such as making lots of large questionable deposits into a bank account.
I have a relative who was worried about receiving a CIFAS marker and mentioned the following points. However after reading all the available literature the issue is not clear in certain areas. I think there is lots of instances when the CIFAS marker could be used incorrectly.
1) If a customer of a bank raises a chargeback for a transaction, such as £80. Both sides submit evidence, and the Merchants side has stronger evidence. Then the chargeback is lost and the merchant wins, could this result in a CIFAS marker placed by a bank please? This process is supposed to be a dispute resolution service, but wanted to hear if the CIFAS scheme would cover this.
2) If a customer of a bank raises multiple complaints, some which are not upheld and cannot be proven by the bank, or are unfounded complaints, could this result in a CIFAS marker please? From looking at all the evidence this most likely could result in account closure, as the banking relation could have broken down. However, would the CIFAS marker cover this area please?
If anyone could kindly clarify the above please, as it seems the above questions fall into a grey area and i am really needing some concrete advice on this please.
If anyone could kindly help my heart would go out to you and i would be forever grateful and thankful for your support.
Hope you continue to have a wonderful life, filled with lots of happy and memorable experiences. With the very best of wishes and i sincerely hope you continue to have an amazing life. |
