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In December final 12 months I observed on my credit score file {that a} Santander account had apparently been opened in my identify by another person.
I contacted Santander to alert it and it mentioned it will examine. Then in February of this 12 months I noticed a £15,000 mortgage had additionally been taken out in my identify. Once more I alerted Santander and, once more, it mentioned it will examine.
After I went to get a suggestion in precept for a mortgage in March of this 12 months I used to be instructed the mortgage was in arrears so I’d not have the ability to get one.
I contacted Santander once more and was instructed it was nonetheless investigating. I made a criticism concerning the size of time this course of was taking and obtained a letter which apologised for the poor service I had obtained and supplied £100 compensation which I didn’t settle for. It additionally promised that my case can be reviewed urgently.
As of at the moment, I’ve obtained no additional replace from Santander and the arrears proceed to break my credit score file. Now the unique checking account can also be in arrears.
In April, I raised a criticism with the Monetary Ombudsman Service. It is unimaginable that Santander can take this lengthy to analyze, uphold a criticism after which nonetheless take no motion.
AH, London
This can be a nightmarish story. A fraudster made a number of makes an attempt to open accounts in your identify at totally different excessive avenue banks. You alerted Santander to this fraud just for the financial institution to fail to stop a considerable mortgage being taken out in your identify.
After dragging its heels for months, Santander was fast to take motion after we made contact in your behalf.
It says it has a substantial amount of sympathy for everybody who falls sufferer to fraud. “Now we have reviewed this case and imagine the shopper was sadly the sufferer of utility fraud so now we have written off the debt, closed the present account, and are within the means of amending his credit score file so there aren’t any ongoing impacts from this unlucky state of affairs.”
It’s “very sorry for the delay” in responding to you and is supplying you with £500 as a gesture of goodwill. It comes with no strings so you possibly can nonetheless pursue your criticism by means of the ombudsman, a course you might be undecided upon. You hope now to have the ability to safe a mortgage and get on the property ladder along with your associate.
We welcome letters however can’t reply individually. E mail us at [email protected] or write to Shopper Champions, Cash, the Guardian, 90 York Method, London N1 9GU. Please embody a daytime telephone quantity. Submission and publication of all letters is topic to our phrases and situations
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