The CIFAS Civil Dispute Framework
The process behind every package
CIFAS marker removal is not a single letter. It is a staged dispute built around evidence, category accuracy, lawful basis, and escalation, with a clear timeline at each stage.
Case assessment
We collect your data from the issuer and review the marker category, the evidence, and whether the filing can be challenged before any complaint is built.
Complaint to the issuer
We prepare a formal complaint that tests the issuer's evidence, lawful basis, category choice, data accuracy, and proportionality, then submit it for a final response.
Escalation to CIFAS
If the issuer refuses removal, we escalate to CIFAS for an independent review of the filing against the evidence and the CIFAS rules.
Financial Ombudsman
If the marker still stands, we prepare the Financial Ombudsman referral for a thorough, independent, and binding final decision.