FAQs

A CIFAS marker can be devastating for young people, particularly because it stays on record for up to 6 years, affecting every aspect of financial and personal growth during this crucial period. Specifically, it can:

• Block student loans and overdrafts, making it difficult to fund education or manage student living expenses.
• Prevent access to essential banking services, including basic accounts needed for internships, part-time jobs, or starting a first job.
• Completely eliminate access to credit, including:
  
  • Credit cards – No approval, regardless of income or co-signers.
  • Personal loans – Making it impossible to cover unexpected expenses or emergencies.
  • Car finance – Affecting the ability to buy a car, impacting job prospects that require personal transport.
  • Mobile phone contracts – Even basic phone contracts are typically declined.
  • Mortgage or rental agreements – Making independent living extremely difficult.
• Destroy future credit opportunities, severely impacting the ability to build a healthy credit score even after the marker is removed.
• Impact job prospects, especially in finance, tech, or government roles, where credit checks are mandatory.

Imagine starting adult life with all these roadblocks simply because of one marker. This isn’t just about finances—it’s about your future.

We understand the anxiety a CIFAS marker can cause. That’s why we provide consistent updates every three to seven days through WhatsApp, along with email notifications. For clients in our premium package, a personal case manager will be available 24/7 for instant updates.

Yes. A CIFAS marker can indirectly affect your family’s financial situation:

• Joint accounts and applications may be denied, impacting your family’s ability to secure mortgages or loans.
• Linked addresses could cause family members’ credit checks to raise red flags, affecting their own financial opportunities.

We aim for a rapid resolution, with most cases seeing a response within 7 to 21 days after submission. Our premium service offers same-day submission and prioritised handling to expedite the process even further. However the FCA allows all members of CIFAS up-to 8 weeks to conclude their investigations.

Absolutely. CIFAS markers are visible during employment checks for positions in:

• Financial services – including banks, insurance companies, and investment firms.
• Government roles – where security clearance is mandatory.
• Tech companies – that require background checks for data-sensitive positions.
• Professional services – such as legal firms and accountancies that require high-level security clearances.
• Even part-time or entry-level roles – Employers often check financial history as part of their standard background checks, which means no job is truly safe if a CIFAS marker is present.

We aim to make our services accessible and flexible. Therefore, we accept the following payment methods:

• Credit and Debit Cards – All major cards, including Visa, Mastercard, and American Express.
• Bank Transfers – Secure direct transfers to our business account.
• Payment Plans – We offer flexible payment plans to spread the cost:
  • 50% Upfront – To initiate your case and cover essential legal costs.
  • Flexible Installments – The remaining balance can be divided into 3-month or 6-month plans, tailored to your budget.
• PayPal and Online Payment Gateways – For fast, secure online payments.

We operate 24/7, ensuring that you receive support whenever you need it. Our team is available:

• WhatsApp Support – Instant messaging support around the clock.
• Phone Support – Our dedicated helpline is open 24/7 for urgent inquiries.
• Email Support – We respond to emails within 24 hours.
• Case Updates – For premium clients, personal case managers are available at all times for updates and support.

Absolutely. We prioritize your privacy and confidentiality by:

• Strict Data Protection Policies – In line with GDPR regulations.
• Confidential Case Handling – Your case is managed discreetly, ensuring that no details are disclosed to third parties without your consent.
• Secure Communication Channels – All communications are encrypted for maximum security.

Hayat Private Legal Services Ltd is a distinguished legal consultancy firm specializing in CIFAS marker removal and financial dispute resolution. Established on 26th November 2024, and headquartered at 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ, we are dedicated to advocating for clients facing unjust CIFAS markers and financial challenges. Our consultancy operates under the directorship of Sheikh Ahmed, a seasoned Financial Legal Consultant renowned for strategic case handling and effective resolution of financial disputes.

We are not regulated by the Solicitors Regulation Authority (SRA), as we conduct non-reserved legal activities. This enables us to liaise privately with banks and financial institutions, utilizing strategic communication and advocacy without representing clients in court. Our work adheres to the highest standards of professionalism and ethics, ensuring effective representation within the permissible scope of non-reserved legal work.