Hi All,
Need some advice, I'm contesting a Cat 6 CIFAS marker on my file by NatWest
History
In 2012, i was the victim of fraud, which involved fraudulent cheques being paid into my account, then cashed out.
I contested this fraud to Natwest, however they rejected my appeal;
I escalated this to the Financial Ombudsman, however they sided with Natwest.
Now
I tried apply for a credit card with my bank (Barclays) but was turned down;
this prompted me to investigate (currently have a Credit Expert score of 991 and earn £50k+) as I should have met the criteria.
Upon investigating, I found out that NatWest have placed a Cat 6 - Third Party Fraud marker on my file.
I've contested this with Natwest, however they believe this marker 'is a true reflection of my credit file'.
I'm currently in discussions with the Obudsman regarding this;
I either want this marker removed or changed to 'Facility Takeover'.
I would love any tips or advice from anyone on how I can deal with this
or how I can get the FO to side with me.
(p.s. I'm not contesting the fraud as I can't contest this again,
this matter wasn't in my original complaint in 2012 as I wasn't aware of it)
This marker is casuing me major issues as I'm unable to apply for credit or open new accounts,
so the mortgage I wanted to apply for this year is offer the table.
Thank you in advance for your help