Not upheld: Cifas marker dispute complaint against Barclays Bank UK PLC
Financial Ombudsman decision DRN-6157126 of 2026-05-19T00:00:00+00:00. Cifas marker dispute complaint against Barclays Bank UK PLC. Outcome: Not upheld.
Decision detail
| Reference | DRN-6157126 |
|---|---|
| Decision date | 2026-05-19T00:00:00+00:00 |
| Firm | Barclays Bank UK PLC |
| Product | current account |
| Claim type | Cifas marker dispute |
| Outcome | Not upheld |
| Remedy | No remedy directed. The ombudsman recommended Mr L contact Cifas directly to resolve the discrepancy regarding who loaded the marker. |
Summary
Mr L complained that Barclays Bank UK PLC loaded a Cifas marker against him. Barclays denied this allegation. Mr L provided a Cifas letter confirming a marker was recorded on 6 September 2022 matching his mobile number, but the evidence did not establish that Barclays specifically loaded it. The ombudsman found the investigator's decision to not uphold the complaint was correct, as there was insufficient evidence linking Barclays to the marker. The ombudsman recommended Mr L contact Cifas directly to resolve the discrepancy.
The Ombudsman's reasoning
The ombudsman reviewed all available evidence and found that while a Cifas marker was recorded on 6 September 2022, the evidence did not establish that Barclays specifically loaded it. Barclays denied loading the marker and provided material supporting this denial. Without evidence directly linking Barclays to the marker, the ombudsman could not safely conclude that Barclays had done anything wrong.
How this compares
| Group | Decisions | Uphold rate |
|---|---|---|
| Barclays Bank UK PLC, all decisions | 11,143 | 21% |
Source
Read the original decision on the Financial Ombudsman Service website