Tandem refusing to offer final resolution

Legacy_user

I made an application with Tandem, after this application I received two confirmation letters in the post and to my surprise the company had performed two credit checks on my report.

I made a formal complaint where they said they will not remove this. I ask for a final response letter (as I want to escalate to Ombudsman) as of this point they will not provide a final response letter and do not reply to any of my correspondence. The Ombudsman have refused to investigate further without the final response being issued.

Please advise.

stevenhp1987

What is their reasoning for not providing a final response letter?

It is their duty to provide you with your Ombudsman rights etc once the complaint has been dealt with.

I would raise another complaint regarding the fact they are not issuing a final response.

If they don't play ball, you might have to wait out the full 8 weeks and take them to FOS.

PRAISETHESUN

Worst case scenario is you will have to wait until 8 weeks and then escalate it yourself if they refuse to issue a final response letter. I'd probably also complaint about the way they have handled your complaint...

Nasqueron

2 credit checks, so what? I do hope you aren't worried about a fictitious credit score or such? A couple of searches for a card will have no impact at all on your rating in a few months and won't stop you getting a different card

18cc

There is nothing anywhere in the terms conditions that limit them to doing one credit check - they could do 2 3 4 5 or 6 if they wanted to.. they are allowed to consult any credit reference agency as many times as they wish to process your application

If you suffer a financial loss as a direct result of them doing more than one credit check then you can complain to them on that basis

System

It may potentially cause issues for any future credit applications this is the grounds of my complaint

[Deleted User]

Two searches won’t

Bermonia

You have already spent more time and effort than this warrants - as already stated 2 checks will have NO significant impact to you, nor is there any firm basis to assume that they have done anything wrong by carrying out 2 checks.

Do yourself a favour and move on with your life.

MEM62

Anthonym wrote: »

It may potentially cause issues for any future credit applications this is the grounds of my complaint

No, it won't. You are creating an issue out of nothing. What little impact two searches might have would be diminished by the time you even have you complaint looked at.

jimbo26

Anthonym wrote: »

It may potentially cause issues for any future credit applications this is the grounds of my complaint

Never ceases to amaze me how much time some people spend on trivial matters. Move on, life is too short to worry about one additional search.