Help Removing a Cifas!

[wikidest_ting]

I have recently applied for car finance through a dealership and they said id been approved through welcome car finance, i agreed and provided the appropriate doc's to the dealership and they sent the doc's to welcome

 

a few days later having realised the extortionate amount of intrest i was planning on canncelling the agreement, that same day an underwriter called to verify everything and later on that day the salesman from the dealer asked me to come in and sighn a dvla mandate (as my paper license was so worn out the scan didnt come out clear)

 

the next day i called the dealership to say that i didnt want the car so to call welcome and cancell the application a few days later i received my documents, and too my suprise when checking my credit file last night welcome Cifased me?!?!?! i provided utility bill, wage slip, bank statement, and drivers licence

 

Now i dont have a Clue on how to go about attempting to remove it but as far as im concerned all info provided was 100% accurate, please could someone point me in the direction of possibly a template and how to go about removing the Cifas

 

Thanks in advance

[profhell]

OK .. I can completely understand how you feel. Not only that, but those damn (un)welcome jokers also registered one of those against me last year.

 

I've recently settled just such a case with HSBC, who have registered a Cat 4 CIFAS against me following an account opening application.

 

The way to approach this:

 

1. Write to them stating that the info you provided was true and accurate, and you see no reason for the CIFAS warning to be registered. State that this is an "OFFICIAL COMPAILINT" and that you demand it to be investigated as such, giving them 28 days to respond.

2. Make sure to send the above by recorded, special delivery.

3. Make sure you are a) factual, b) professional and c) sticking to the point.

4. Once they respond, their first response will be to stick to their guns, and stating this is a "Final Response Letter". This is actually a good thing (see 6 below).

5. Write back to them, addressing any further issues in their letter, and stating that you decided to write to them to save both them and you costs. State clearely that you are then going to CIFAS, the Banking Ombudsman and the Courts if you are not satisfied. Give them 14 days to respond.

6. If you are still getting a negative, forward the letter you got in (4) above to CIFAS, and ask them to mediate. This will usually resolve it outright: the last thing they want is a mediation that takes time to resolve, that surely will

7. If (6) still does not work, do not go to the Ombudsman. There are two reasons for this: a) it can, and usually will, take up to 56 days to complete an investigation and b) their decisions are not binding, though respected. Take it straight to the courts, bring a claim in the county county court against them for violation of principles 4 and 6 of the DPA. Claim compensation and distress damages + interest under section 13 of the DPA.

 

I won't say "I hope this will help" because I know it will help, and you will win if you have been upfront. Judges are particularly nasty to violations of the DPA, and Welcome will never let it get that far. Then there is offcourse the element of them paying a lawyer to appear in court, which is a £2,000 from the word go for each appearance.

 

Good luck. Be firm, be factual, and let us know how you get on.

 

BTW, if the information here proves useful, appreciate it if you can leave me some score feedback.

[fuzzylittlethings]

Hi there I was reading this post and though you could maybe give me some advice? Sygma Bank UK has placed a CIFAS waring in present address and 2 previous addresses, I dont even know the company.

Anyway I got the address and have written to them twice, and they havnt responded to either letter. What action can I take? Can I go direct to CIFAS to get them to investigate?

[Sve]

Hi,

Is there any template letter that I can use when writing to the company concerned?

 

Thanks!

[johnukccj]

BUMP

 

Template letter would really be nice on this one. This site is like a massive maze!

 

[barclaybasher]

I have one from HBOS about a mortgage application it was done through a broker who has gone bust, I dont know why it was declined he blamed the credit crunch, I didnt even see a copy of the application...

 

I sent HBOS an SAR, but still havent got a response? Should I just complain to them?

[joeh1985]

I have one from HBOS about a mortgage application it was done through a broker who has gone bust, I dont know why it was declined he blamed the credit crunch, I didnt even see a copy of the application...

 

I sent HBOS an SAR, but still havent got a response? Should I just complain to them?

 

Same thing happened to me, can anyone help me here is my story.

 

Hi there,

 

I have noticed that I have had a CIFAS - facility granted placed on my credit file last December for a mortgage application that I got approved for. I am currently looking into having this removed as I feel it has been placed on my file incorrectly due to a mistake by my mortgage adviser who along with the company he had, are no longer in the industry.

 

What I am really worried about though is the fact that the CIFAS warning is placed against my parents address and not my new address. You see I moved out of my parents address last year when I received this mortgage and the CIFAS has remained against that address even though I don't live there. I don't want my parents finding out that this CIFAS has been placed against that address. Should the mortgage company not transfer this cifas from my parents

address to my new one? I feel that it is unfair that the cifas will effect my mum and dad but not me even though it is effectively against my name.

 

Can anyone help me this is really ruining my life right now. Credit Report Click link to open in new window.

[ami1]

hi same happend to my son he had fraud comitted against his bank account they registerd a marker against him on cifas he only 18 starting out cant get credit they said if i paid the amount question they would remove i paid and they never removed this is hbos what action can i take against them i have letter in writing to say they would remove now they gone back on their word please advise this has ruined his chances of any credit can i take them straight to court

[Surfer01]

Ami1 it would be better to start your own thread as this one is over 2 years old.

[scoring_guru]

The standard of evidence necessary for a CIFAS loading is enormous - similar to that which would be necessary if the CPS were to prosecute.

 

If Welcome were provided with information by you or by someone else which is of the standard necessary to achieve this level of proof you should take up with Welcome and with the dealership.

 

In the circumstances, hit both up with SARs.