In December final yr I seen on my credit score file that a Santander account had apparently been opened in my title by another person.
I contacted Santander to alert it and it stated it could examine. Then in February of this yr I noticed a £15,000 mortgage had additionally been taken out in my title. Once more I alerted Santander and, once more, it stated it could examine.
After I went to get a suggestion in precept for a mortgage in March of this yr I used to be instructed the mortgage was in arrears so I might not have the ability to get one.
I contacted Santander once more and was instructed it was nonetheless investigating. I made a grievance in regards to the size of time this course of was taking and acquired a letter which apologised for the poor service I had acquired and supplied £100 compensation which I didn't settle for. It additionally promised that my case can be reviewed urgently.
As of immediately, I've acquired 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 grievance with the Monetary Ombudsman Service. It is unimaginable that Santander can take this lengthy to research, uphold a grievance after which nonetheless take no motion.
AH, London
It is a nightmarish story. A fraudster made a number of makes an attempt to open accounts in your title 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 title.
After dragging its heels for months, Santander was fast to take motion once we made contact in your behalf.
It says it has quite a lot of sympathy for everybody who falls sufferer to fraud. “We have now reviewed this case and consider the shopper was sadly the sufferer of utility fraud so we've got written off the debt, closed the present account, and are within the means of amending his credit score file so there are not any ongoing impacts from this unlucky scenario.”
It's “very sorry for the delay” in responding to you and is providing you with £500 as a gesture of goodwill. It comes with no strings so you'll be able to nonetheless pursue your grievance via 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 companion.
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