Very strange situation with cifas help needed

crawleyboy01

OK so first off thanks anyone with trying to help me with this extremely strange situation that I find myself in. Its confusing and I don't understand it. I'm hoping someone here will be able to explain or help me. So a few months ago my wife took out a credit card with a high street bank. Her credit rating as far as we know is pretty much perfect. As she took out a card I decided to open a bank account and start moving the family accounts over to this bank as our own bank had just closed its branch in our town. My credit rating isn't good. I expected to just be offered a basic account. I was accepted for a current account. Extremly happy I started the process of closing my other account and sorting things out. About 2 days later I get a phone call stating there sorry but they can not open the account at this time. No other explanation. OK annoying but not really the big problem. Then my wife got a letter stating the credit card had failed secondary checks and would be deactivated, she had been using it and paying it off. We went into the local branch and was told they can't tell us why but said my wife and myself should get in touch with some company called cifas. So that's what we did, we both sent a subject access report. They had no record of my wife, so I don't understand why they took her card away. And for me there's something on there from a company called caversham from back in 2016. Now for them who don't know that is the finance side of a company called brighthouse. I did have dealings with that place many years ago, I took out a sofa one week from them on a HP deal and at the time I was on benefits, they knew I was moving hence why I needed the sofa. About 5 days after the sofa was delivered I got my benefits sanctioned. All my money was stopped. I informed brighthouse, I had told them I had moved but they didn't come a collect. They kept phoning me to make payment I kept telling them, they even went to my mothers and threatened her, I went there and even told them I had moved and informed the store and had asked for sofa to be collected...Still nothing. A few months later I get a letter saying when I took my sofa I wasn't correctly dealt with and as such they didn't check if I could afford the repayments. Because of this they considered my account now to be closed with no further payment needed. Perfect. Then I find this cifas has on record a first party fraud thing on there records and its badly affecting me on day to day credit issues. I can't repair my credit because I can't get any due to this bloody fraud thing. Cifas says that I should get in touch with this company, but as bright house is now out of business the people who run caversham have no idea what I'm talking about except they have a record that I owe money...and cifas won't help Please someone help and thank you for reading all this.

I would like to add i got the letter from brighthouse nearly 5 years ago, it was when brighthouse was taken to court and lost there affordability case and was ordered to repay £14.9m to over 250k customers that they had incorrectly vetted. I have since moved home with my family and can not find this letter 

D3xt3r5L4b

Any chance of paragraphing that into smaller chunks?

MattMattMattUK

Does the SAR give any more information beyond "first party fraud"? 

You can go to the Financial Ombudsman for CIFAS and the ICO for National Hunter as a final resort but you should go through their respective complaints procedures first.