@scott97 - Please do come back and let us know how you go on. Your story really touched me last night. I knew almost nothing about CIFAS, beyond that they existed, before your post made me have a good research on the internet about it.
I’m amazed at the prevalence and outright shamelessness of the scams just a few clicks away and, having once been a kid/student before (once upon a time) I can see how strong the temptation is to get some quick money with someone going on about AC and ‘squares and deets’ and it all go wrong so quickly. I don’t think it’s right - you clearly know what you did was most definitely wrong - I can just understand how someone would go down that path. My own children could quite easily be in your situation. It’s likely more through luck than anything else that they aren’t.
The impact that a CIFAS marker can have on your life is staggering, and 6 years is a long time to live with a naïve teenage decision. Its not that far off a criminal sentence. Indeed, if you broke into someone’s house and stole that amount of money you’d get nowhere near 6 years and you’d still be able to get a basic bank account to enable you to get a job and rehabilitate yourself.
Again, I see why it exists, and it’s important that it does, but the potential impact of a CIFAS marker has surprised me. Especially that it can be done without any sort of due process or independent oversight and without telling the subject.
I hope Monzo can help. If they can’t I hope you find someone who can. I hope you are genuine about wanting to make good on your past mistakes and I hope you do. I’ve no doubt 6 years will fly by then.
Good luck brother.