Mortgage refusal without clear reason

muhandis

Also regulated by the FCA.

[IMG][/img] thg catching fire

ozzy49

Thanks muhandis, I'll get back on to them tomorrow. Ridiculous how these organisations don't appear to know their role never mind be of any help!

ozzy49

So it seems I've hit a brick wall again. I've still not received the letter from Sky - they sent me a copy of the letter by email yesterday though and the content is nothing like what was agreed last Friday. I've attached at this link: https://imgur.com/a/Bc5B5M8

I spoke to FOS again who said they can only deal with Sky Mobile complaints as Sky Mobile is a credit provider. I spoke to CISAS on the phone and was told that they should be able to help and I should put a claim in online. Did the claim yesterday and got an email today saying they couldn't help with the matter. Email can be seen here: https://imgur.com/a/awkkHvo

Contacted the ICO who advised me that they may be able to help and I should file a complaint to them but it would take around 3 months to be looked at :mad::mad::mad:

ozzy49

Hi all, some good news at last - Sky has removed the marker!

A couple of weeks ago when I kept getting sent round in circles, I sent emails out to every major newspaper, two of them got back to me and were liasing with Sky regarding the issue (I'm not sure whether I can name the newspapers here). Initially Sky kept insisting to the reporters that they couldn't remove the entry and I'd need to contact my bank but all of a sudden, on Monday evening, I received emailed from both reporters advising the marker had been removed. I received confirmation of this from CIFAS yesterday afternoon too.

I'm not sure if it was the final letter before action that resulted in this or the reporters getting in touch with them. They've still not responded to my letters or emails though.

I'm sure the story will appear in the papers or online at some point soon - I just hope that it will provide some information for the many people out there who could have a CIFAS marker and have no idea about it.

The bank has also run the CIFAS again and it's come back clear. I think the house purchase is going to come down to the wire though, I'm still waiting on them to finalise the offer before the deadline of the end of the week. I've also advised Amex that the marker has been removed, I'm waiting for them to come back to me on whether they'll re-instate my suspended accounts.

I just want to say a massive thank you to all of you who helped with kind words and advice thorughout this ordeal! I really appreciate it.

If anyone reading this thread finds themselves in a similar situation, drop me a PM and I'd be more than happy to help.

muhandis

This is amazing news. I'm over the moon for you! Well done for persevering and keeping at it.

I'm sure the two newspapers would have no issues with you citing them for advocating on behalf of a consumer. I for one would love to know.

I hope your mortgage works out!

BelowTheLine

Superb result! :j:T

ozzy49

Thanks both!

muhandis - I'll put up the details on the other thread just so we're not duplicating things here if that's ok

muhandis

For those who might have missed this on the credit ratings forum.

worried_jim wrote: »

Here us the excellent story in full -

https://www.thisismoney.co.uk/money/mortgageshome/article-7306311/Unfair-Cifas-marker-Sky-nearly-derails-house-purchase.html