8 x 5 year old defaults, where do I go from here?

Willing2Learn

kl2 wrote: »

They actually refused my complaint (Santander) and said they have no recollection of ever adding it and told me to go to CIFAS with the letter of resolution and ask them to remove it. I've just submitted another claim saying CIFAS won't let me remove it and it's their responsibility since they were the ones who added it and they need to get in touch with CIFAS. Does that sound like I've done the correct thing?

What do you mean, when you say Santander 'refused the complaint'. Was the complaint about them reporting inaccurate data to CIFAS? Have you escalated your complaint?

kl2

Willing2Learn wrote: »

What do you mean, when you say Santander 'refused the complaint'. Was the complaint about them reporting inaccurate data to CIFAS? Have you escalated your complaint?

They said they can not find any reason or recollection of there ever being a CIFAS added, and said that I can send the letter of resolution to CIFAS to get them to remove it. Or if they can send me a reference number (which I already did and they said they can’t find it) then they’ll look into it.

That was November 5th, I chased it yesterday and was told they sent me that letter but I must’ve overlooked it or not got it, but I reopened the claim yesterday and said it’s their duty to get it removed since they added it, I also sent them the reference number again and asked them to do it ASAP.

kl2

Sorry, I meant if I send them my reference number from CIFAS.

Can’t edit on iPhone for some reason.

xlnc99

not sure a reference number would do any good. Why dont u send them a copy of the letter from CIFAS. You are wasting time going back and forth with this. Also do it on email, its quicker

kl2

xlnc99 wrote: »

not sure a reference number would do any good. Why dont u send them a copy of the letter from CIFAS. You are wasting time going back and forth with this. Also do it on email, its quicker

That's what I've done this time, just scanned the letter I received from CIFAS and sent it to them.
I also know going to CIFAS myself will be a waste of time, I called them when they sent it back after doing the SAR and they said they can't give info that's why I went straight to Santander.

Also - I know scores mean nothing, but it shows my credit is somewhat okay if I didn't have the defaults all things considered. So do you think the CIFAS marker is the reason I keep getting declined by banks?

I.e my Starling application can be remade this February, so I will wait until the CIFAS marker has been removed and then do it after it's definitely been removed from the system and I should get accepted, hopefully.

Willing2Learn

kl2 wrote: »

They said they can not find any reason or recollection of there ever being a CIFAS added, and said that I can send the letter of resolution to CIFAS to get them to remove it. Or if they can send me a reference number (which I already did and they said they can’t find it) then they’ll look into it.

That was November 5th, I chased it yesterday and was told they sent me that letter but I must’ve overlooked it or not got it, but I reopened the claim yesterday and said it’s their duty to get it removed since they added it, I also sent them the reference number again and asked them to do it ASAP.

You have the right to have the data recorded on your file corrected. I believe it is down to Santander. I would use the letter template provided by the Information Commissioners Office (ICO) to raise your concern. Then the matter can be escalated to the ICO should Santander not resolve your complaint to your satisfaction. The letter template in on the webpage linked below:
https://ico.org.uk/your-data-matters/your-right-to-get-your-data-corrected/

kl2

Going to call them on Friday just to let the complaint handler know I’d like them to send it ASAP so I can just not need to worry about it.

Hopefully they’re not difficult in this and just say yep we’ll send it off etc.

On a brighter note, hope everyone had a lovely Christmas.

ryan121

I have 3 defaults and got an account with starling. One wasn't even paid off but they were probably at least 3 years old at the time.

Your problem might be the number of defaults. A lot of companies will automatically decline someone with more than 3 or of a certain value.

I can't get an overdraft with starling or monzo. Monzo told me it was because I had defaults. I will try again when they drop off.

[Deleted User]

ryan121 wrote: »

I can't get an overdraft with starling or monzo. Monzo told me it was because I had defaults. I will try again when they drop off.

Why do you “want” an overdraft?

ryan121

Well yes I've lived for so long without one there's probably no point!:rotfl: