Hard Footprint credit searches mistakenly left on my profile

lewishardwick

Agreed. Ask for a cheque. Or if you have a spare current account, pay into that?

Blue26

There is a page on moneysavingexpert about this - but I can't post the link:

news/loans/2015/10/payday-lender-dollar-to-refund-over-15m-to-147000-borrowers

takman

Blue26 wrote: »

The bank details they are asking for are details for the crediting of £75 - there is a disclaimer that you have to sign to accept the "full and final offer"

If it's only sort code and account number like the poster below you says then there isn't much risk in giving them that. If you don't have one already simply open an empty savings accounts online with one of your current banks and give them the details of that and then see if any money turns up.

cjmillsnun wrote: »

If it is only hard searches that they are giving ‘compensation’ for then £75 is more than reasonable.

I know this is old fashioned but I think I would be asking for a cheque.

Sort code and account number are more than enough to screw you over with.

There is nothing you can do with an Account Number and Sort Code especially if you give them the details of a savings account. I have an account especially for receiving funds that i will happily give the details to anyone. As it's a savings account a "joker" couldn't even setup a DD on it to cause trouble.

houdini1976

I too recieved one of these letters today. I will not be accepting the £75 they are offerering . Those mistakes could have lost me much more money than £75 especially if I had to source a loan with a higher interest rate because of those mistakes on my credit rating. If they are offering you £75 then I would say they are expecting the real settlement to be much higher. Don't accept this offer is my advice .

houdini1976

We could actually do with some advice on how to put in a higher claim. Are there any companies out there that provide this service ?

DCFC79

houdini1976 wrote: »

I too recieved one of these letters today. I will not be accepting the £75 they are offerering . Those mistakes could have lost me much more money than £75 especially if I had to source a loan with a higher interest rate because of those mistakes on my credit rating. If they are offering you £75 then I would say they are expecting the real settlement to be much higher. Don't accept this offer is my advice .

Are you offering that advice in a qualified capacity ?

If you want to put a claim in then speak to 1 of the claim management companies who aill take a cut, you could do it yourself using a letter template on the internet.

houdini1976

No, my advice is from personal experience only. I am not qualified to give financial advice. But , if a company has willingly offered you £75 before you have even uttered a word, then I would say they are trying to prevent bigger claims .

houdini1976

Could you point me in the direction of a template so I can make a claim ?

The_Real_Cheddar_Bob

The sueme culture of the world today

PixelPound

rjwr wrote: »

The sueme culture of the world today

Maybe, but often these companies will use your credit file as an excuse to charge you a higher APR.

The only thing I see with thing to get more is proving that it had a detrimental effect, e.g. you applied for a mortgage and had to have a higher APR.