So to not drip feed - partner and I live separately at the moment. Both work in the financial industry with myself working remotely/from home. We currently pay two lots of rent (£400 inc of bills for me and approx £395 rent & then bills on top for him). We’ve found the perfect house opposite his daughters school who he has custody of and available for the rent to buy scheme at £440 per month and with bills our total outgoings with be around £690. A massive saving for us to allow purchasing at the end of the 5 years with the money saved tucked away.
We submitted our applications and as part of this was asked to provide our own copies of our credit report. On pulling mine, it became apparent corrections were not completed from 2016 whereby I was a victim of identity fraud. This was brought to my attention back in 2015 following our company doing credit checks and the police were involved- the two criminals pleaded guilty and I was assured these fraud accounts would be corrected. Clearly not.
So, the we received a call from the Housing Association processing our application regarding the defaulted accounts. I explained the situation and that since it’s come to light the accounts weren’t closed as per my assurance at the time, I’ve raised a police complaint and complaints with the ombudsman to have it amended. I offered the crime reference and was advised it was ‘irrelevant’ as it’s ‘just my word’. Come the Monday we received an email to state our application had been denied due to the above and failing to provide any evidence...
I emailed back with a copy of a letter sent to me after the trail detailing the accounts in question, the accused names and the sentences. Following this, we went back and forth with 15 emails as the person was asking me to validate why they began to make payments when initially taking out the credit. Politely I explained I’m not the criminal and cannot explain or speculate their actions. I provided letters from HR to confirm they were aware of the defaults but deemed me not a risk due to the police investigation & I’ve been promoted TWICE since the incident.
Last Wednesday we received another email now asking for the police crime reference but from the police directly - apparently the 2017 letter didn’t have it on. By this point I’m an emotional wreck going back and forth that my partner rang and explained this process feels like a game of ping pong for every time we provide the ‘last bit of information needed’ she wants something else. She advised she only now needed the crime reference and preferably a letter from the police with it on.
I travelled to the police station where the crime was reported to obtain the reference on headed paper. The police woman couldn’t believe the validation we are being asked given the other letter explains all plus all the HR letters from a bank but produced it for us.
Today I sent it. I’ve now had ANOTHER email asking for permission (for GDPR reasons) for her to call the police to discuss the letter and crime reference in order to finalise our application. I replied and stated I didn’t feel comfortable with this as I was a victim of a sexual assault in addition to the ID Theft and the police officer on Friday confirmed there’s cross references on the case. I have had another email stating she will only discuss the fraud and this will ‘help us have our house’ as without it the application won’t continue.
My partner called 101 who said they would literally confirm my name relates next to the crime reference number and nothing more however when I called I got someone who stated they were new after confirming to me they would provide the details on the case but then backtracked when I said we were advised it wouldn’t be given.
I feel this is gone to far. 2016 was a really traumatic year for me with both of these to the extent I went to counselling up until last year and even moved from one end of the country to the other with work to escape and live my life however it seems that year wants to haunt me. He believes we’ve came this far battling her prejudgement of us racking up the defaults and might as well let her have the permission
GDPR says I’ve a right to refuse, which I have, but I feel like I’m being forced into a corner to say yes because of the house. If I say no again, she’s alluded to denying our application and using the house like a carrot & stick to me.
My anxiety has gone to shot and whilst she states she will only discuss the application fraud, given how she’s spoken to me, my partner and employer (VP rang her to ask what she wanted in a letter from HR so it was correct first time) as well as the intrusive questions being asked I don’t have faith she won’t push and obtain details about my assault as it’s mentioned in the same report.
AIBU and just give permission or is she going to far and being nosey in something delicate and sensitive despite having headed letters as proof of all?
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Goingwiththeflow2019 · 23/04/2019 19:09
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