Nhunter - mortgage broker sent wrong payslips

[Feduprenter]

I don’t know if anybody has any experience of this and I’m posting here for traffic. My mortgage adviser sent somebody else his payslips to a high Street Bank in application for a mortgage, they have obviously flagged them with this database NHunter which appears to be owned by experian. I have repeatedly written to the bank and ask them to rectify this mistake sending my correct wage slips in to prove that I have no reason to lie or try and pull the wool over their eyes I was earning more than enough to be able to qualify for this mortgage, they point-blank refuse to rectify the situation and NHunter claim they are just a data handler and therefore they can do nothing.
Has anybody successfully fought these people ?
I’ve been told in no uncertain terms that I have no chance of getting a mortgage whilst this information of alleged fraud is on a database.

And nor will anybody tell me how long this information remains on the database

What is your mortgage advisor doing about their massive cock up?

@UnicornPoopsRainbows

What is your mortgage advisor doing about their massive cock up?

Denying it, despite the papertrail so they dont get kicked off the panel of lenders. Ive sent the bank all the emails sent to the broker with my correct P60’s and payslips.

Formal complaint then escalate to ombudsman

Have you logged a formal complaint with the bank? You could take it to the financial ombudsman if you have followed their complaint procedure and you aren’t happy with outcome

I am literally about to send off an official complaint to the ombudsman because the banks formal reply is we don’t care. It was actually really funny because they just keep repeating send us proof via HMRC that to you worked for this company and will rectify it so I don’t know if a human being even reads these emails.

I would also start kicking up a stink about this being a breach of GDPR- that carries fines.

@Sparklynewname

I would also start kicking up a stink about this being a breach of GDPR- that carries fines.

It’s funny you should say that because they refuse to show me the apparent incorrect payslips it’s a GDP a breach.

I would also say to them if this is not sorted you will be reporting a gdpr breach too. Not your data but someone else’s who by the looks of it they handled incorrectly by passing on to a third party without permission.

So NHunter have a recorded data about me that I am not allowed to see and I am not allowed to challenge but every other bank is looking at it are making a decision on my credibility as a borrower based on this information.

Wow I'd be furious, have you managed to speak to a human at the bank? Does the broker have a physical office you can go into and try and deal with him face to face?

You might also want to look at reporting the GDPR breach to ICO.

Sorry no advice but have you made clear to the bank in writing you will then be escalating to ombudsman? In my experience they usually get responsive very fast as it costs them ££ whenever you even report.

@WhyYesYABU

You might also want to look at reporting the GDPR breach to ICO.

Sorry no advice but have you made clear to the bank in writing you will then be escalating to ombudsman? In my experience they usually get responsive very fast as it costs them ££ whenever you even report.

That’s very interesting, no I just got a standard you must be very frustrated we understand letter back saying whilst we hope you will not escalate this to the ombudsman here’s the details for you to do so.

@Summersdreaming

Wow I'd be furious, have you managed to speak to a human at the bank? Does the broker have a physical office you can go into and try and deal with him face to face?

Human at the bank whilst I was sympathetic it’s not her error and they just Pointblank refuse to rectify as far as they’re concerned there report to NHunter is correct.

The broker just completely ignores me now I have threatened all sorts of legal action suing for additional rent I’ve had to pay as a result of their incompetence but they just do not reply.

How unfair that the broker made the mistake and is now trying to wash their hands of it! As well as going to the financial ombudsman, I would let your broker know you will reporting them for the GDPR breach. They should have done this themselves within 72 hours but wouldn’t surprise, given their reaction so far, if they haven’t. The fines are huge so it may make them change their attitude to you. Good luck OP.

Isn't it the mortgage advisor who should be reporting for the data breach rather than the bank?If you have the evidence report to ICO and raise a complaint with the mortgage panel.
I might also be tempted to seek a solicitors opinion as well. The broker has put you in an impossible position.

Oops sorry OP I see others have made the same suggestion whilst I was typing.

My experience of the ICO is that they have absolutely no teeth whatsoever. I had an interesting situation where somebody whom i had gone for a job interview with forwarded my emails where I was discussing going for the interview with them to my employer which resulted in me getting sacked -I’ve had quite a year - and the ICO did absolutely nothing.

@RainingYetAgain

Isn't it the mortgage advisor who should be reporting for the data breach rather than the bank?If you have the evidence report to ICO and raise a complaint with the mortgage panel. I might also be tempted to seek a solicitors opinion as well. The broker has put you in an impossible position.

I think solicitors are gonna have to be the next step actually, i do know a very good GDPR barrister but saying that he has given me advice and told me what to threaten them with, nobody gives a shit to be honest

Hmm frustrating!! Is the broker local? Blasting them on social media might be my next step, framed as a heads up to anyone that might be thinking of using him. (Obviously if he was trying to rectify I wouldn't, but he's clearly burying his head in the sand)

@Summersdreaming

Hmm frustrating!! Is the broker local? Blasting them on social media might be my next step, framed as a heads up to anyone that might be thinking of using him. (Obviously if he was trying to rectify I wouldn't, but he's clearly burying his head in the sand)

She. Yeah ive done that.

Ah sorry, she.

Google says brokers are accredited by the FCA, they may have an email or form to report her.

Or it looks like a solicitor may be needed.

You need to take a step back in the complaints process because instructing a solicitor will have zero effect on the banks approach. I work in financial complaints and banks receive dozens of threats of legal action (and solicitors letters) every week and they don't shit their pants over them as people expect - the letters get shunted to the legal dept to deal with and the process takes months to get anywhere.

The bank will have reported accurate information to fraud prevention agencies about what data they've been provided during the application. The fact that this data is reflecting negatively on you due to your brokers error is not their fault - and ime the FOS won't uphold your complaint against the bank so personally I wouldn't bother with that step yet. Apart from anything the FOS are in a resourcing crisis at present - it will take months.

The error is your brokers - the complaint needs to be made against the broker not the bank in the first instance.

I'd send one final succient yet detailed letter to your broker, laying out the factual events and their impact and what you want done to rectify it. Don't threaten to sue or ruin them or mention costs that may make them feel you're after compo so can ignore it. Just facts. And ask them for written confirmation that the payslips they sent the bank on x date were incorrect to enable the bank to adjust the information they've logged. Mention the relevant body to whom you will complain if confirmation of the error is not received by return.

If that's forthcoming, great, send them to the bank and request that the data they've entered at the agency is withdrawn based on your brokers confirmation they sent them in error. If not, complain about your broker to the relevant agencies first.

@SeeminglyOblivious

You need to take a step back in the complaints process because instructing a solicitor will have zero effect on the banks approach. I work in financial complaints and banks receive dozens of threats of legal action (and solicitors letters) every week and they don't shit their pants over them as people expect - the letters get shunted to the legal dept to deal with and the process takes months to get anywhere.

The bank will have reported accurate information to fraud prevention agencies about what data they've been provided during the application. The fact that this data is reflecting negatively on you due to your brokers error is not their fault - and ime the FOS won't uphold your complaint against the bank so personally I wouldn't bother with that step yet. Apart from anything the FOS are in a resourcing crisis at present - it will take months.

The error is your brokers - the complaint needs to be made against the broker not the bank in the first instance.

I'd send one final succient yet detailed letter to your broker, laying out the factual events and their impact and what you want done to rectify it. Don't threaten to sue or ruin them or mention costs that may make them feel you're after compo so can ignore it. Just facts. And ask them for written confirmation that the payslips they sent the bank on x date were incorrect to enable the bank to adjust the information they've logged. Mention the relevant body to whom you will complain if confirmation of the error is not received by return.

If that's forthcoming, great, send them to the bank and request that the data they've entered at the agency is withdrawn based on your brokers confirmation they sent them in error. If not, complain about your broker to the relevant agencies first.

Ok will do.
I take it there is no point in applying for a mortgage in the meantime?
Ive had the Nhunter data through and theres stupid mistakes made literally everytime ive applied for anything. Mrs instead of Miss, incorrect martial status, wrong initials - each time by different brokers - until i knew about Nhunter i just kept applying. It looks an absolute shambles taking a independent view of the file.

Also wouldn't waste your time with the FCA or ICO either to be frank. Again ime, complaints or reports directly from consumers to either tend to have little useful effect.

No I'd hold off on any other mortgage app until this mess is sorted tbh.

It's definitely fixable but it's messy and unfortunately may take a few months to unpick.

Im your shoes I would also definitely be aiming - eventually - for financial redress from the broker. But that can come in time, priority is fixing it first and mention of compensation now may just make the broker bury their head in the hope it goes away.