Ask Sarah Lovesey, who has spent the past two years being shunned by every bank in Britain – thanks to her details being incorrectly lodged on the Cifas national fraud register by Lloyds Bank.

He now has a Cifas marker by his name that will be there for six years and is unable to get another bank account ... The problem is so great that Lloyds has formed a 'money mule hunting squad ...

While Three said the Cifas marker was for Dave's protection rather than because he was a suspected fraudster, it also caused a bank account with Nationwide which had £2,600 in it to be frozen ...