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Hi,
I am a little concerned and am hoping that someone can shed some light.

About 5 weeks ago, i applied for a Flybe card and was declined, a couple of weeks later i applied for a JJB card, and havent heard anything, but to be honest just gave up.

Today i have looked at my Equifax file, and there is a "New Search" on my file which says "SYGMA BANK UK (FRAUD)"

Anyone know what this is? And why it says (Fraud)?
Yes, it seems their fraud dept have been made aware of something here, are you sure you filled in the application forms identically? If not you may end up with a CIFAS marker on your file, can you recall if you made any errors on the applications?

No, not as far as i am aware. Certainly not intentionally anyway.
What should i do??
I will call them tomorrow to see if i can find out anymore.

Unless it's simply their 'tag' for the standard anti-money laundering unrecorded enquiry?

Unless it's simply their 'tag' for the standard anti-money laundering unrecorded enquiry?
Nope, they done the same to me when I had my CIFAS protective registration placed on my files, when you request this done all of your creditors including previous applications successfull or not are contacted and normally they do an unrecorded enquiry against your file to wtf is going on, Sygma do their version of an ID check under the name of a sister company "Creation Finance", so their fraud dept is not happy about something, contact them asap to get this resolved before it turns in to something...or it may be nothing.

Well whenever something says "Fraud" its not good news is it!!

Well whenever something says "Fraud" its not good news is it!!
Give their fraud dept a call tomorrow and find out what the crack is, it could be just a random security thing.

Hi Dan, exact same thing has happened to me today ... I applied for Flybe over a month ago and was rejected ... thought nothing more of it ...

Then today, noticed the same search as you was carried out ... I don't think there was anything dodgy on my app. form and the same info got me approved for an Egg card a couple of weeks ago ...

Still, I'l be on the phone to them sharpish on Monday AM....

Hey Tori, where you been hiding?

Hi Proliant

Been mostly on the Digital Spy and Facebook last few months but always check MSE for any good threads ... and in a way I was glad to see to this as at least I'm not alone ... :o

Thanks Tori.
Please post back on here tomorrow when you have spoken to them if you get to them before i do.
Cheers

Will do, am gonna phone them 9am .....

As an extra bit of info, I've applied for about 3 cards with Sygma (all said no) this year and I'm wondering if it's something to do with that ...

Hi Proliant

Been mostly on the Digital Spy and Facebook last few months but always check MSE for any good threads ... and in a way I was glad to see to this as at least I'm not alone ... :o
We were all just asking if you had went AWOL on the sub prime thread, get yourself over for a catch up tonight.

We were all just asking if you had went AWOL on the sub prime thread, get yourself over for a catch up tonight.

Lol ... I'll try later tonight (off out now) ... if not, tomorrow ... :D

i've also tried for 3 cards. reckon thats it. hope it doesnt put a fraud warning on my credit file though?!?!

I applied for the Flybe card last week, and had searches by Creation Finance and Sygma Bank on 18th - no decision yet. Today I also have the Sygma Bank (Fraud) search showing up. Maybe they're doing a general search on recent applicants for some reason?

Mel.

It sounds like it must just be an AML thing

what does anti money laundering mean??

It means being anti people who make a nice living via money laundering. It's some kind of Nu Labour thing.

ok , but whats money laundering then, is it you don't give the missus money for doing the laundering \0/ :D

They've actually placed a Fraud marker on my file!!!

Im going to get onto them about this. Thanks everyone - it seems everyone they are declining they are deciding its fraud!!!!!! Sheesh. Is this actually legal???

Has the same thing happened to you then? Did you get the search by Sigma bank (Fraud) and when was it?
I can only see that search at the moment. Would i be able to see the Fraud marker too?

Mine came from end of June time.

I got the search then the Fraud marker... but the thing is here I dont know anything about the search... I havent applied for anything through them!

Anyway, I've written them a very strong letter telling them I know what they're doing and they need to get that marker off my file or Im going to sue them...a) because I think they've done it for the same reason they've done it to you -simply because the application was declined and b) because I think whoever applied for this card has done so fraudulently anyway (I was a victim of fraud so I think someones got my details) I suggest everyone contacts them and asks why that search has bene placed there.... and ask them to remove it if there is no good reason.

Has the same thing happened to you then? Did you get the search by Sigma bank (Fraud) and when was it?
I can only see that search at the moment. Would i be able to see the Fraud marker too?

I've only got the search at the moment ... and I hope that's where it ends ... or there will be trouble ahead ... lol .... :rolleyes:

To be honest, it does sound like we will also have this CIFAS warning put on to our files.
I am actually quite concerned about it. Although there was nothing dishonest about my application. It is so annoying when you are trying to sort out your credit file, and some idiots do something like this.

But how can they place a CIFAS marker on a credit file when there has been nothing fradulent afoot ?? Surely that can't be allowed??

They must think there is something dodgy as they wouldnt have searched using the Fraud thing in the first place would they?!

Who knows. Maybe i am worried about nothing, but i doubt it. Anyway, see if you can speak to them in the morning and let me know if you wouldnt mind. Although i suspect its not going to be that easy!!

Thought this maybe of interest to you, it is a discussion over on Consumer Action Group about National Hunter which is a bit of an unknown CRA

Hope you find this useful.....

http://consumeractiongroup.co.uk/forum/credit-reference-agencies/148597-n-hunter-limited-secret.html

You all seem convinced you now have CIFAS fraud markers on your file.

If you have, what's the category (1-8) assigned to them?

You all seem convinced you now have CIFAS fraud markers on your file.

If you have, what's the category (1-8) assigned to them?

Just the search by the CC company for me ... I'm just confused as to why it's been done about 6 weeks after the intitial application ... I am a little worried I will get a CIFAS marker although I haven't done anything wrong ... :eek:

no fraud marker for me yet just the same fraud search as others which sounds like it will result in a fraud Marker although I have done nothing wrong!

do you think, they think something dodgy is going on because alot of people have applied recently for the Flybe card :confused: ?

No marker, just an "unclassified" search. I still think it's a standard check!

Mel.

No marker, just an "unclassified" search. I still think it's a standard check!

Mel.

I do hope so ... interestingly, my unclassified search was only on my current address as well ... didnt show any searches at my previous addresses.

After reading that thread on the consumer action groups...thanks Yorkshire Bred, I am sending off my SAR tomorrow, I will take these b@stards to the high courts if I have to, who do they think they are? Guilty till proven innocent...don't think so, they operate on paranoia rather than fact, you could have a model credit rating yet still be refused financial facilities because of this secret database, I don't have all of the pre-requisites for obtaining MY data, no passport...never held one, no driven license...don't drive, so they are going to have to work hard to get my data for me, or the next step will be the information commissioner and if that fails...see them in court, oh I am so looking forward to a fight with HUNTER. :mad:

It was a 4.

Im furious because I'm the victim here... my credit file is wrecked because of a wrongly placed marker. I dont even know who's done it. Ok, they are right, yes it's fraud, but if they are doing it because they think everyone who is declined is dodgy then that's surely wrong!

Apologies if anyone thinks Im scaremongering, but I really dont want anyone to end up in the same situation as me and you can nip it in the bud now before it goes any further!!!!

I was accepted for the flybe card and i have been using it,when i checked my equifax yesterday i had the same search but no cifas.

My other half applied for the Flybe card - last night we had a alert from Equifax saying the same - unrecordered search - fraud. Strange , we will have to see how it goes , last thing she needs is a cifas marker!

Just to say her application was declined anyway and this was around four weeks ago - so strange how this pops up now.

My application was accepted so I will mointor my file...

Thanks to 'and306' and 'londonuk2008' .. interesting that Sygma have also completed a search on those who have been accepted ... and mostly, all in the last couple of days ...

Hi Tori,

Have you been able to speak to them and find out anymore?

Hi Dan,
I've phoned them and was put through to Customer Services ... Firstly, the CSR asked for a reference number next to the search entry (there isn't one!!) and so he took my number and said he will contact the relevant department and call me back ... I'll report back when I've heard something!

Has anyone else phoned them yet?

Well, I got a call back (very quickly) and was advised they sometimes undertake further checks .. including fraud checks ... once they have received an application and passed or declined it. I was assured it was just a standard check, does not indicate they think the application is fradulent and they do it on various applications, which in a way this thread verifies as it seems to be done randomly.

I hope that's the end of it ... but I'm going to keep a close eye on my Equifax file and will go mad if anything further happens!!

Sounds good so far then.
Thanks Tori, and thanks for updating us.

Sounds good so far then.
Thanks Tori, and thanks for updating us.

No worries Dan, have you managed to speak to them yet?

someone on the sub prime board has had a marker added to his file from these idiots.

someone on the sub prime board has had a marker added to his file from these idiots.

I know, I saw that .... I wonder what Sygma are up to ... :mad:

No worries Dan, have you managed to speak to them yet?

No, i figured that they would just give me the same answer that they gave you. So didnt think there was much point.

is it a CIFAS marker or just a search.

i applied for a card 3 weeks ago and got refused. today i have this fraud check appearing on my file, i am phoning them tomorrow as there is no reason why they should check my file again 3 weeks after th original application was declined.

just applied for barclaycard platinum though and got accepted online straightaway.

sygma bank are scumbags!!!!!

I know what you mean, I got accepted for an Egg card on exactly the same data that Sygma have turned me down for ... ah well, their loss ... lol ...

Let us know how you get on with them ...

lol let us know what they tell you tomorrow.

quite a few
for eg
high score compared with inadequate reference info obtained.

was just a search.... sygma bankuk fraud

i work in insolvency and have worked in fraud before and i am referring to next level fraud investigation.

these monkeys dont know what application fraud is, if they hire me ill train their staff to spot application fraud- not bragging at all.

That's odd, mine is Creation Financial Srvs Ltd (Fraud) :rolleyes:

I recieved and have been using my FlyBe and JJB cards since early October. My "fraud" search from Creation was made on the 4th of November and there's no CIFAS marker on my file to date.

Like someone said it's more than likely just an AML search and they just label it fraud because in any company it's the fraud department that deals with money Laundering.

I wouldn't get all paranoid just yet.... the person in this thread that got a CIFAS from them clearly stated that they had been a victim of ID fraud, of course Sygma/Creation are going to enter a CIFAS if someone applied with dodgy details in this persons name, that's the whole point?

I created that thread over on CAG months ago, it's only just started to drum up interest now it's been in the paper. I SAR'd them back in AUG and have not even had a reply, nor have they cashed my cheque for the 10 SAR fee.

ICO complaint me thinks...

So is it only one person who's been CIFAS'd by Sygma? I thought it was more than one person?

That's odd, mine is Creation Financial Srvs Ltd (Fraud) :rolleyes:

I recieved and have been using my FlyBe and JJB cards since early October. My "fraud" search from Creation was made on the 4th of November and there's no CIFAS marker on my file to date.

Like someone said it's more than likely just an AML search and they just label it fraud because in any company it's the fraud department that deals with money Laundering.

I wouldn't get all paranoid just yet.... the person in this thread that got a CIFAS from them clearly stated that they had been a victim of ID fraud, of course Sygma/Creation are going to enter a CIFAS if someone applied with dodgy details in this persons name, that's the whole point?

I created that thread over on CAG months ago, it's only just started to drum up interest now it's been in the paper. I SAR'd them back in AUG and have not even had a reply, nor have they cashed my cheque for the 10 SAR fee.

ICO complaint me thinks...

mine is the same creation financial services ltd (fraud) but as i said on the other post it was in the enquirys section and this does state that these searches are not seen by other lenders they are follow up searches, im sure if they thought fraud was an issue they would not have issued me a card?
hubby has same search in same section however he was declined but no cifas marker!

can someone help? im goin round in circles, i have two debts on my credit file with equifax - both were results of ongoin queries reguarding unfair/incorrect banks charges, one with a bank and the other a credit card company. the latter debt was sold to a third party who have now decided to close the account 'without prejudice' and have said they are unable to remove it from my file, i have tried contacting equifax but all they will say is the company who placed this on my file have 'refused' to remove it and i should contact them direct. they keep saying that they are unable to do anything other than put 'satisfied' against the debt. i am more than a little concerned about this. what does 'satisfied' mean and how will it affect my future credit rating? how do i go about getting this removed completely?

Satisfied is good, normal when an account is closed, satisfied means paid in full and account closed.

Hi everyone,

I havent managed to speak to anyone yet - parents have been down with Xmas pressies! :beer:

Sending letter tomorrow. Lets just see whats happens....

I just had that Sygma bank uk (fraud) search added to my file, although I can't see if its in the ones the lenders don't see or not.

I applied to flybe back in september, and was declined. Not that bothered really as I have decided to wait 12 months tobuild up a greater credit rating before applying for owt else.

Can someone confirm that this does not mean they suspected me of Fraud or done a full search? I am geting all paranoid and wondering if I should call them or equifax?

ETA : That when I actuallyappled for teh card, I have 2 searches from Sygma, and 2 from Creation LTD or whatever it is!

Does that mean they did 4 searches as I wasn't worried about it til now....:-S

hi sammie,

if its the same as the one i had and i was accepted its in the part that other lenders dont see, its an unrecorded enquiry like a follow up to check id ect. or at least thats what it says. i dont think it does any harm it just the fraud section of creation finance checking everything is correct which in hindsight is a good thing. however one poster here yesterday did say they had an actual cifas marker on thier file from sygma

Thanks Louise,

I'll maybe call Equifax lateron today and just ask where it is, because I am using the Capital One free thingymabob, so my actual file that I looked at in August - I can't see the changes, but I am alerted to anything that does change, and told what it is.

Did you get 4 searches as in my above post when they credit searched you? xxx

Well i applied for a flybe card about a month ago and got declined, my file was searched at the time time, Sygma and one by Creation which was just an unrecorded enquiry, anyway today got an alert from equifax and Sygma (fraud) have searched my file.

Ive queeried it wth Equifax

I applied for a couple of credit cards from the sub-prime thread. Looking at my Experian report I have 2 searches, Vanquis and GE Capital Bank. But then further down I have 2 entries in the CIFAS section from Sygma! Neither has a catagory number, there are reference numbers for both recordsand the reason is 'Application Fraud (facility refused).......one or more material falsehoods. One of the cards I applied for was the Flybe Card.

There is no search from Sygma bank and nothing to indicate a fraud search. What the hell are these companies playing at?

The only thing I can think is that I might have got the month wrong that we moved into this house (2 years ago). Other than that, nothing.

The only thing I can think is that I might have got the month wrong that we moved into this house (2 years ago). Other than that, nothing.

Have a read of a thread I created over on the Comsumer Actior Group forums

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/148597-n-hunter-limited-secret.html

Potentially, if there are differences in key information between applications then this could have flagged you up on a fraud database. The company (Sygma) then decide wether they feel is warrants fraud and if so can issue a CIFAS.

I would be VERY suprised if a simple mistake like a month difference in dates of residency would have caused this though. Only you will know what was on those applications and wether or not it differs (legitimately or not) from recent previous applications.

I would try calling Sygma... though I suspect as soon as you mention CIFAS they will probably tell you where to go. The whole CIFAS / N hunter system is a bloody farce, it's all to easy for them to add this info to your report and nigh on impossible to have it removed regardless of liability.

:rolleyes:

it could be in consitance between your Flybe application and your accessory card application.

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