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Need some advice on loan credit checked against brother
Hi,
I need some good advice from anyone..... Basically here's what happened:
I moved bank last October, in process direct debit to Barclaycard for loan was deleted....
Barclaycard never contacted, I contacted them after 2 weeks to re-establish DD, only to be told they could not find any reference of me. They sent me DD form and I completed and returned - DD never got set up.
6 weeks passed and I re-contacted them, to be told same again, no knowledge of me having loan.
10 weeks later my brother who lives at a different adsress but has same initials texts me to say he has received a letter demanding two missed payments on his loan - my loan! I call Barclaycard, still no reference to me, will NOT speak to me.....
To cut a long story short, they have applied this loan to my brothers credit file rather than mine and have provided it in his name, although I received the funds.
Brother complained through their correct procedure, to which he received a letter stating the issue had been fully resolved, his credit file cleaned and they gave him £100 as compensation. I called them, and again, no reference of me on their system, although they can see my application form.
Next thing, 3 months on, brother receives a demand for £1700 missed payments (I was advised from their customer relations manager NOT to make any payments until I received notification it has been resolved).... Brother wrote to them and advised the issue had been resolved and threatened ombudsman action, to which they more or less pleaded not to involve.
I also raised an official complaint with them 2 weeks ago, but have heard nothing yet! I never rasied a complaint initially as the issue was already being investigated under Brother....
So to sum it up, it looks 99% like they processed my application, paid me the money, but credit checked and put it ALL in my brothers name/details!
Can anyone shed any advice in this? It is ridiculous now.....
Cheers
I need some good advice from anyone..... Basically here's what happened:
I moved bank last October, in process direct debit to Barclaycard for loan was deleted....
Barclaycard never contacted, I contacted them after 2 weeks to re-establish DD, only to be told they could not find any reference of me. They sent me DD form and I completed and returned - DD never got set up.
6 weeks passed and I re-contacted them, to be told same again, no knowledge of me having loan.
10 weeks later my brother who lives at a different adsress but has same initials texts me to say he has received a letter demanding two missed payments on his loan - my loan! I call Barclaycard, still no reference to me, will NOT speak to me.....
To cut a long story short, they have applied this loan to my brothers credit file rather than mine and have provided it in his name, although I received the funds.
Brother complained through their correct procedure, to which he received a letter stating the issue had been fully resolved, his credit file cleaned and they gave him £100 as compensation. I called them, and again, no reference of me on their system, although they can see my application form.
Next thing, 3 months on, brother receives a demand for £1700 missed payments (I was advised from their customer relations manager NOT to make any payments until I received notification it has been resolved).... Brother wrote to them and advised the issue had been resolved and threatened ombudsman action, to which they more or less pleaded not to involve.
I also raised an official complaint with them 2 weeks ago, but have heard nothing yet! I never rasied a complaint initially as the issue was already being investigated under Brother....
So to sum it up, it looks 99% like they processed my application, paid me the money, but credit checked and put it ALL in my brothers name/details!
Can anyone shed any advice in this? It is ridiculous now.....
Cheers
0
Comments
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Hi,
I need some good advice from anyone..... Basically here's what happened:
I moved bank last October, in process direct debit to Barclaycard for loan was deleted....
Barclaycard never contacted, I contacted them after 2 weeks to re-establish DD, only to be told they could not find any reference of me. They sent me DD form and I completed and returned - DD never got set up.
6 weeks passed and I re-contacted them, to be told same again, no knowledge of me having loan.
10 weeks later my brother who lives at a different adsress but has same initials texts me to say he has received a letter demanding two missed payments on his loan - my loan! I call Barclaycard, still no reference to me, will NOT speak to me.....
To cut a long story short, they have applied this loan to my brothers credit file rather than mine and have provided it in his name, although I received the funds.
Brother complained through their correct procedure, to which he received a letter stating the issue had been fully resolved, his credit file cleaned and they gave him £100 as compensation. I called them, and again, no reference of me on their system, although they can see my application form.
Next thing, 3 months on, brother receives a demand for £1700 missed payments (I was advised from their customer relations manager NOT to make any payments until I received notification it has been resolved).... Brother wrote to them and advised the issue had been resolved and threatened ombudsman action, to which they more or less pleaded not to involve.
I also raised an official complaint with them 2 weeks ago, but have heard nothing yet! I never rasied a complaint initially as the issue was already being investigated under Brother....
So to sum it up, it looks 99% like they processed my application, paid me the money, but credit checked and put it ALL in my brothers name/details!
Can anyone shed any advice in this? It is ridiculous now.....
Cheers
Crikey this is a shock for both you and your brother.
I do not have experience of dealing with these issues, and sure someone will post up soon who does, good luck.
However, have you any paperwork related to this finance which can help prove otherwise?
If not then if finance was taken out within the last 6 years with them, it may be a good idea to request a Subject Access Request (SAR), where documentation will be provided.
They have 40 days to comply, there is a charge though of £10 cheque payment or postal order for this request.
Hopefully the documents will help with what they provide, but like I said I have no experience in this field, and hopefully someone will help you through this matter soon, good luck.
Remember to post all letters by recorded delivery.
There is also a SAR template for SAR's, hopefully whoever posts back will be able to add the link for you.The one and only "Dizzy Di"
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