Hard Footprint credit searches mistakenly left on my profile

adindas

TSB left three footprints hard search on my credit file. One hard search is ok, but I do not remember I ever give them permission to do three credit searches?

One of my 0% on BT credit card got rejected recently, I believe this hard search might be contributing to it ??

Has anyone else got a similar case or read somewhere (apart from this thread) on this forum where people get compensated.

If so how much likely the compensation for the case like this?

Thanks

[Deleted User]

adindas wrote: »

If so how much likely the compensation for the case like this?

It will be an amount that reflects your losses.

Former_MSE_Callum

Hello, MSE Callum here, would anyone who has received one of these letters be able to send it (with personal details removed if desired) to callum.mason [at] moneysavingexpert.com?

societys_child

houdini1976 wrote: »

Sorry my friend you are wrong. I have just received a letter today stating " they have considered my response and are proposing a revised offer of ...." I'm not going to give you the figure but its alot more than £75 . Clearly i didn't need a template after all....

:beer:

:rotfl: Nearly spit my coffee all over my keyboard when I read this garbage. :rotfl:

. . . pants on fire

adindas

houdini1976 wrote: »

Sorry my friend you are wrong. I have just received a letter today stating " they have considered my response and are proposing a revised offer of ...." I'm not going to give you the figure but its alot more than £75 . Clearly i didn't need a template after all....

:beer:

societys_child wrote: »

:rotfl: Nearly spit my coffee all over my keyboard when I read this garbage. :rotfl:

. . . pants on fire

I have quite similar case explained in post #42.

I am currently making money from having a few 3% interest current accounts with them and would definitely like to keep these account for long term benefit.

If I try making complain from three hard searches on my credit file?

1. Would it endanger my 3% current A/C with them?
2. What is likely the chance to get compensated?
3. I think it would be worth if the compensation is high enough. Are we talking about £150+ compensation here ??

Thanks

[Deleted User]

1) No
2) Low
3) £50 perhaps if they agree.

Sammilou18

Hello,

This is difenantly legit because I had a letter a few weeks back and another one today, so I rang them up and the guy I spoke to on the phone said everything is legit and I'd you reply saying you want to £75 then when they receive the acceptance form, the £75 will be in your account within 10 working days.

Hib10

Hi All
I’ve also had one of these letters and called them regarding it to confirm it to be true. They asked me if I was happy with the amount and I chanced saying no, so they took some basic details of why I felt like this, which I more or less just replied too with that I felt unhappy with the level of professionalism.
With this they’ve doubled my refund. I’m happy with the £150, however I’ve thought if theyre so willing to doubled it, are we all accepting a fee they’ve chosen and could all be entitled to more? I went to the citizens advice bearu and they couldn’t really help as it was unknown to them but will be doing some digging for me on it.
Thoughts please people? Shall I take the money or take things further?

I understand what others have mentioned in the fact it would be hard to prove I was hindered by the heavy footprint, although I am definitely sure I applied for credit during the specified time frame so may of been. If anyone takes the money paperwork has to be singed to confirm no further action will be taken so there is no chance of further compo should things come to light, Surely these companies are in appropriately using our personal details?

Hib10

Anyone get any further with higher claims

takman

houdini1976 wrote: »

Have a day off. You sound like a bitter and twisted old man. I will post the letter when i have completed negotiating with them.

Well it's been almost two months now since you posted this (and last logged on) so considering that you supposedly got a reply in only 3 days before it seems your "negotiations" went nowhere as i suspected.

Hib10 wrote: »

Hi All
I’ve also had one of these letters and called them regarding it to confirm it to be true. They asked me if I was happy with the amount and I chanced saying no, so they took some basic details of why I felt like this, which I more or less just replied too with that I felt unhappy with the level of professionalism.
With this they’ve doubled my refund. I’m happy with the £150, however I’ve thought if theyre so willing to doubled it, are we all accepting a fee they’ve chosen and could all be entitled to more? I went to the citizens advice bearu and they couldn’t really help as it was unknown to them but will be doing some digging for me on it.
Thoughts please people? Shall I take the money or take things further?

I understand what others have mentioned in the fact it would be hard to prove I was hindered by the heavy footprint, although I am definitely sure I applied for credit during the specified time frame so may of been. If anyone takes the money paperwork has to be singed to confirm no further action will be taken so there is no chance of further compo should things come to light, Surely these companies are in appropriately using our personal details?

It's not a "refund" it's compensation for them mistakenly leaving a hard search on your credit files.

The first thing you need to do is check your credit reports at the three main credit reference agencies and make sure everything is correct.