Please help,mortgage rejected, no reason!!!

biren

It's been solved now .thanks for everyone

GMS

Why on earth would you allow somebody else to sort out payslips and P60 for you? If you had proof of income why not provide it?

You have been complicit in any fraudulent application by allowing it to happen with full knowledge. Struggling to see how you could compain to the lender and CAB when you applied fraudulently.

I suspect you are now registered as a fraudulent applicant and will struggle to gain finance anywhere.

Wh05apk

You will probably now be recorded on the national "hunter" database, which records all fraudulent applications.

Did you knowingly submit false payslips, or was this down to the "broker"? you need to clear your name and get this removed if you are innocent, not sure how you go about this, it sounds like your"broker" was not authorised and was possibly acting with an in branch advisor, as you would not normally go into a bank to sign papers etc. If your "broker" was authorised then you need to complain to his company/network, did they provide you with an IDD (initial disclosure document) explaining their service?

If they were not authorised, then possibly trading standards may help you?

Thrugelmir

The application was made by you not the broker. If you feel that you were mislead by the broker then complaining directly to the FSA, regarding the brokers conduct. Seems your only route to try to clear your own name.

Wh05apk

Thrugelmir wrote: »

The application was made by you not the broker. If you feel that you were mislead by the broker then complaining directly to the FSA, regarding the brokers conduct. Seems your only route to try to clear your own name.

I suspect the "broker" was not authorised, and was just an "introducer" to his mate in the bank, therefore the FSA would not be interested in the "broker" but possibly the "advisor" in the bank.

biren

case solved

kingstreet

You'll probably be on National Hunter and CIFAS;-

http://www.nhunter.co.uk/data.html

http://www.cifas.org.uk/

biren

I found that the guy was not broker .He and his mate at branch are doing business for a long time now .We were mislead by them. We didn't know what we were doing that time .Totally mislead .We knew now they were after money.At the right time they found out us as good customers to fool around.Please help us to clear our names from national hunter database.

Thrugelmir wrote: »

The application was made by you not the broker. If you feel that you were mislead by the broker then complaining directly to the FSA, regarding the brokers conduct. Seems your only route to try to clear your own name.

biren

Hi Kingstreet,
Thanks for your comments.I checked on my Experian Credit Report.There is nothing on CIFAS. Is it different than above links you provided?

Senior_Paper_Monitor

You say you complained to Santander - how (writing, verbally or what ?) - did you receive any letter/dcoument in response to your complaint ?

Did you receive any documentation from Santander during the application - do you have this available ?

How did your employer find out about this ?

Excuse me asking - but is English your first language ?

kingstreet

You need to spend some time researching the sites of these bodies. Firstly, you need to make a subject access request to each of them to find out what information is held on you;-

http://www.cifas.org.uk/how_can_I_get_cifas_to_release_any_information_it_holds_about_me

For a fee of £10 you are entitled to request a copy of any information held about you by any organisation on computer or in some manual files. This is known as a Subject Access Request. If you wish to request a copy of any data held about you by CIFAS, please follow the procedure as explained on the Subject Access Request Form and send your completed form to the address below.

The Compliance Officer
CIFAS
6th Floor, Lynton House
7-12 Tavistock Square,
London
WC1H 9LT

Our response will include only CIFAS data and not public information, payment history data or other fraud information.

http://www.nhunter.co.uk/data.html

Howto obtain details of the information we hold about you*

Your full name including any previouslyused in the past 6 years.
Your date of birth.
The addresses you have occupied during the last 6 years,with the dates you were at each address.
Payment of £10. Cheques or Postal Orders made payable toN HUNTER Limited.
Proof of identity.

Proof of identity is needed that clearly identifies or reconfirms who you are. This level of security is required to protect against fraud

* Please note that if your application data contains any joint applications, we will also require their authority, an additional fee for each person, along with identification requirements as above.


You need to enclose two proofs of your identity (photocopies acceptable), one from each of the two lists below.

List 1
•CurrentUK/EEA Passport
•UK Photocard Driving Licence (Full or Provisional)
•Firearms Licence/Shotguncertificate
•EEA National IdentityCard
•Northern Ireland VotersCard
•Current Non-UK/EEAPassport with a valid endorsement evidencing leave to reside in the UK


List 2
•Full UK Paper Driving Licence
•State Benefits Entitlement Document**
•State Pension Entitlement Document**
•HMRC Tax Credit Document**
•Local Authority Benefit Document**
•State/Local Authority Educational Grant Document*
•HMRC Tax notification Document
•Disabled Drivers Pass
•Financial Statement issued by bank, building society or credit card company**
•Judiciary Document such as a Notice of Hearing, Summons or Court Order**
•Utility bill for supply of gas, electric, water or telephone landline**
•Most recent mortgage statement
•Most recent Council Tax Bill/Demand or Statement
•Current Council Rent Card
•Current Council Tenancy Agreement
•Building Society Passbook which shows a transaction in the last 3 month and your address

** These documents must be less than 3 months old.
Wereserve the right to see original identification documents.

All theinformation listed above should be sent to:
N HUNTERLimited, PO Box 2756 Stoke-on-Trent ST6 9AQ