'unfair' Cifas marker on CRA file

[Carl10]

Hi,

 

i recently applied for a mortgage with C&G,

having never had problems applying for mortgages before.

 

The mortgage was agreed in priciple, although they needed to write to employer to confirm commission earnings after around 3-4 weeks of too and fro.

 

Inbetween the times of applying and them writing to my employer,

 

i was offered a new job and current employer asked me to leave straight away,

and hence detailed "No Longer Employed" on the reference form from C&G.

 

They then took that as fraud and and think i was lying about employment details, and placed a CIFAS Cat 4 against me for fraud and forgery

(the forgery i dont understand as they wrote directly to employer).

 

I have written a letter to C&G saying i've never had bad credit,

never been declined a mortgage and have committed fraud,

however i need to re-mortgage the house and am looking at getting car finance around June time this year.

 

Am i stuffed, or will current lender let us move or re-mortgage if we have to

(considering we have over 2 years history with Halifax with no payment problems)?!

 

Really need to release some equity from house after doing it up,

and am worried that C&G wont do anything,

 

although i have been told that it should only last around a year if nothing else is highlighted?

 

Help appreciated.

[Carl10]

sir-gilmour i can't see your response?

[andyf777]

Hi

Sorry to jump on the thread but im in the exact sam position as you, i need some urgent advice! This cifas is affecting my life in a big way.

 

Does anyone know how long they stay on for?

 

Thanks in advance for any help or advice

[Grizza]

Yes, it will stay on your file for 13 months! If you have a CIFAS, then it really is difficult to obtain any finance, including opening basic Bank Accounts.

What I would do is phone C&G and explain what has happened, and see if they will agree to get it removed. Speak to them in a polite and friendly way, you'll find they'll be more helpful that way.

 

However, if they refuse to remove it, ask them who is the CEO of C&G (if they won't tell you, search for it on the internet), and write to them personally, explaining what has happened, and that if they refuse to remove it you'll be taking legal action, and will want to recoupe all expenses, etc.

I would also write to ALL the three CRA's and appeal the listing of CIFAS.

 

Let me know how you get on.

 

Griz

[BRIGADIER2JCS]

Which company placed the CIFAS warning?

You would need to contact the Data Controller of that company

and provide evidence of what actually happened.