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Hello all!



I have been reading this website for awhile and decided to join yesterday!

I am extremely interested to get anyone's advise or experiences with having Bank of Ireland put on CIFAS, how to approach it and how it can be resolved.



Many Thanks




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I recently had a CIFAS Cat 4 marked against me by BOI after a failed mortgage application



I have written to them and asked for the reason, how to resolve and if they require further information from me to clarify the issue.

BOI had issued me a Final Response Letter without any further contact with me.



When I managed to call the BOI Complaints manager, he told me that

- his team deals with all mortgage complaints and pointless trying any other route as it will all be back to his team and he is the manager

- he said that it is pointless writing to the BOI CEO as Desmond Crawley is not client facing and will only fwd the letter to his team.

- he does not know how long the entry will be and asked me to ask CIFAS. I told him that in CIFAS website, the member who puts me in (BOI) has to remove it. He said, then it is forever.

- he asked me to go straight to the Financial Ombudsman to investigate my case further. When I said in the CIFAS website, we are advised to go to CIFAS to mediate first, then he said go to CIFAS then.



I would like to find out if anyone had ever dealt with the BOI in UK before?

How was the experience and what was the outcome?

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It turned out that BOI

- mistryped my initials and was confused about my surname

- omitted my street address

- omitted my financial commitments attachments in the application form.



This results in discrepancies, hence the CIFAS and National Hunter entries

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