Financial Association

cheddar

I remember some time back seeing that my ex-husband was still associated with me via my Noddle report so I filled in their form to disassociate myself and it went through fine. I've only realised today that he's also linked to me on Equifax after signing up to Clearscore. I've filled out their form and hopefully they will get back to me soon.

What do I do about Experian? Their form asks me for my membership number. Is there a way to disassociate without having to sign up?

Is there anyone else I need to contact?

YorkshireBoy

cheddar wrote: »

What do I do about Experian? Their form asks me for my membership number. Is there a way to disassociate without having to sign up?

A £2 statutory report will come with a "report reference number". Once you've got this, complete this form and submit it...


https://www.experian.com/uk/online-dissassociation-form.html

cheddar

Thanks, was hoping I could get away without having to pay them to do it.

YorkshireBoy

cheddar wrote: »

Thanks, was hoping I could get away without having to pay them to do it.

You can't find £2 down the bottom of your purse!?

If things are really that tight, then bag a 30-day free trial.

If you've had a free trial before then ask the bank or whoever to remove the association. You'd still need to check they'd actually done it though, which would involve paying!

cheddar

You appear to have jumped to a totally incorrect conclusion.I didn't say I couldn't afford it I simply said I'd rather not pay. Less hassle overall. With Noddle and Clearscore it took seconds.

Whilst I'm not too keen on the presumptuous comment on my finances, I thank you for answering my initial question.

Enjoy your evening!

GingerBob_3

YorkshireBoy wrote: »

You can't find £2 down the bottom of your purse!?

If things are really that tight, then bag a 30-day free trial.

If you've had a free trial before then ask the bank or whoever to remove the association. You'd still need to check they'd actually done it though, which would involve paying!

Not sure the bank will, or can, remove it. Once created it's there for good unless you plead with the CRAs to remove it. If you don't do so they'll continue to lie to their customers, i.e. credit providers and a large range of other snoopers on your finances, about a non-existent association.

YorkshireBoy

cheddar wrote: »

You appear to have jumped to a totally incorrect conclusion.I didn't say I couldn't afford it I simply said I'd rather not pay.

You appear to have misinterpreted my opening line. Perhaps a or would have helped and prevented you jumping to a totally incorrect conclusion.


I will, and you too.

YorkshireBoy

GingerBob wrote: »

Not sure the bank will, or can, remove it. Once created it's there for good unless you plead with the CRAs to remove it. If you don't do so they'll continue to lie to their customers, i.e. credit providers and a large range of other snoopers on your finances, about a non-existent association.

Absolute nonsense!

I'll give you an actual example. YBS confirmed an association on my CRA files over 2 decades ago when I took out a joint mortgage with them. It was the only confirmed association on there. When I realised it was still there some years later, despite a transfer of equity removing the other persons name from the mortgage, I asked them to remove it from all 3 CRAs. And they did*.

This isn't the first time you've posted that banks and the like won't or can't remove an association, and that you'll have to "plead" with the CRAs. Hopefully you won't now post it again. Somehow I doubt it though.


* The fact they didn't do it the first time of asking, due to an administration failure, is a different story, and one which resulted in them paying me £256 (£250 goodwill and £6 for three CRA reports which I would order a short while later).

cheddar

GingerBob wrote: »

Once created it's there for good unless you plead with the CRAs to remove it.

I didn't need to plead with Noddle/Callcredit, they have a form specifically for it and it was done within a couple of days. I assume Equifax are in the same process and Experian will do the same. I've confirmed with my bank that there's no association any longer and they agreed.

I agree with YB, what makes you think it's there for good? Why would CRAs allow you to request a disassociation if they don't process them? I know plenty of people who have done this successfully.

GingerBob_3

This is what various interested parties have to say about it (my highlighting).

Experian:

Financial connections questionnaire/disassociation form -
Please answer the following questions so that we can consider your request to remove your financial link (association to) another person. This process is called disassociation. A separate form should be completed for each person from whom you wish to disassociate.

Get a load of the form you have to fill out:

https://www.experian.com/uk/online-dissassociation-form.html

If you have ticked YES to any questions above please explain why you believe you should no longer be considered as being financially linked so that we can assess your circumstances fully:

I confirm that the information provided on this form is correct and I understand that failure to complete this form or any attempt to misrepresent information, may result in the request being refused.

Other links:

http://www.thecreditagency.co.uk/credit-report/check-my/financial-disassociation.html

http://www.callcredit.co.uk/consumer-solutions/help/how-to-issue-a-notice-of-disassociation

What Halifax say:

https://www.halifax.co.uk/securityandprivacy/privacy/

If you apply for or hold an account in joint names, or tell us that you have a spouse or financial associate, a financial association will be created between your records, including any previous and subsequent names used by you. This means that your financial affairs may be treated as affecting each other. These links will remain on your and their files until such time as you or your partner is successful in applying for a disassociation with the CRAs to break that link. You must be sure that you have their agreement to disclose information about them. Searches may be made on all joint applicants, and search footprints will be left on all applicants’ records.


Therefore, please show me anywhere that it's stated you can remove an association simply by contacting the organisation that created it in the first place? In trying to find such a source you should start with the T&Cs of various lenders. I have never seen such a statement, anywhere.

YorkshireBoy

GingerBob wrote: »

Therefore, please show me anywhere that it's stated you can remove an association simply by contacting the organisation that created it in the first place? In trying to find such a source you should start with the T&Cs of various lenders. I have never seen such a statement, anywhere.

From the YBS document* "Your Rights and the Data Protection Act"...

Have incorrect personal information corrected
If you demonstrate that your personal information is inaccurate, we will correct it.

Compensation if we breach the law and you suffer damage
If you suffer loss or damage because we do not comply with the Data Protection Act, you may be entitled to compensation.

Section 1 - I demonstrated it.
Section 2 - That's where the £256 came from.

Anything else you need help with, just shout.


* Click the link contained within their Privacy Policy here...

http://www.ybs.co.uk/privacy/index.html