Response to CIFAS - Why is it on my credit file?

See the excellent info on the Home Repo page about CIFAS.

Also have a look at Zena Johnson's web site; www.zcredit.co.uk which discusses the effects of a CIFAS warning on her Dad five years ago.

The big issue is that CIFAS and the way it operates is all under the covers. The CIFAS operational procedures "The CIFAS Rules" are secret, when you are blacklisted with a CIFAS category 4 warning then nobody tells you, you have to find out by requesting a copy of your credit file.

All the banks are members of CIFAS; all the insurance companies are members of CIFAS, and CIFAS database access is provided to councils, the DSS, the benefits office, anybody and everybody really. The councils, DSS, benefits office all enjoy CIFAS database access without even registration of a "footprint" under the social security act.

But the major downside is that once you have been registered as a CIFAS fraudster, and that is what a category four is stating, then all the banks consider you to be a criminal. Therefore, whatever they want to do to you is ok. And this will go on for years. Zena's Dad got his CIFAS registration retracted in 2000 as being "Issued in error". Some chance, he was denied a bank account six months later with a warning to the bank employee to "Check CIFAS", and just last week an investigator issued 17 unauthorised credit checks against him and his friends at Experian. Really, once you have been registered as a CIFAS fraudster, then its open season on you.

You might like to see the CIFAS category four criteria on Zena's web site; http://www.zcredit.co.uk/an06.pdf

My advice, contact the Information Commissioners Office immediately and issue an assessment under the DPA concerning this CIFAS warning against you. If you have not matched the criteria for a CIFAS category four warning, then they have slandered you big time, so see a solicitor and sue them for defamation. While you are at it, sue CIFAS as well.

Having spoken to Zena's dad recently, once you have been registered as a CIFAS fraudster, change your name, move, and emigrate. Your life as you knew it is over now.

Sorry if this does not cheer you up, but I thought it better to lay it on the line.

Good Luck

I Hate Abbey National.

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