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

It was an accident. They sent the wrong slips. They will rectify it. Don't worry

@SeeminglyOblivious

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.

Thank you. My major concern is that the broker has absolutely no incentive to fix this. I’ve just gone through the emails between her and I and they very pleasant they’re perfectly professional it’s just a simple admin error and then when I ask her to correct it she gets her back up and that’s the end of the conversation I’ve had no correspondence whatsoever since.

Maybe I’m being dense, but shouldn’t it be obvious that the broker accidentally sent the wrong payslips and you haven’t tried to commit fraud? The payslips will have a completely different name, employer, NI number and income to the details you’ve provided to accompany them on your application. I know somebody who had something very similar happen and whilst the GDPR breach needed to be dealt with through separate channels and there was a short delay to the application, the actual payslip issue items just required the broker to write officially to the lender.

You could put in a Subject Access Request to Nhunter - under GDPR laws you have the right to see any data that an organisation holds about you, and the right to ensure that data is correct.
They are legally obligated to fulfill the request within one month.

Are you saying they have sent the payslips of someone else? With a different name than yours and a different employer?

Sorry, by 'they' I mean the broker, so it's their mistake to fix rather than the bank. I'd be targeting any action at the broker rather than the bank.

Subject Access Request to NHunter so you can see exactly what they hold about you. Then go to the broker to rectify, keeping all emotion out of it, just lay out the fact and what you'd like them to fix and how.

SARs was how I found out about all this in the first place because I simply couldn’t understand why I kept getting turned down I literally applied for about five mortgages last year and one after the other was turned down which I know then becomes the problem in itself so I stopped.
I’ve been through the N Hunter data with an absolute fine tooth comb and the bank that’s reported to them has stated reason for decline - fraud documentation does not match employment.
The others just declined to give a reason why they declined but I mean it wouldn’t take a genius would it.

When I’ve spoken to the bank all they’re interested in is me sending through proof that I’ve worked for an employer that I haven’t worked for and nor have I claimed to. I sent them through all of the correct wage slips say that they could compare them and the email to the broker with the correct wage slips on, nobody’s got any interest or wants to fix this, it’s so frustrating.

So this is all in the hands of a broker to rectify her mistake for which she might get kicked off the lending panel of that particular bank that she probably does hundreds of thousands of pounds worth of business with each year. She’s just not going to is she

That must be so frustrating for you OP

I would check if the timescale has gone over the ombudsman's limits - first step is to use the broker's ow complaints procedure then if that doesn't resolve the matter (and it hasn't so far) then you can complain to the ombudsman. Have a look on the FCA's website for more information.

There are newspaper journalists who specialise in financial matters you could contact one of them if the ombudsman option is out of time. Hope you get it sorted OP.

Own, not ow!

I’m still in time with the ombudsman so it’s difficult to know what to do

God this is awful, OP.

Don't have any experience, but wonder if it's worth involving your MP? They may get the attention of your broker / the bank / NHunter.

If you haven't formally complained to the broker (by using their complaints procedure) I'd start with that. Then you've got the ombudsman to fall back on. Good luck, OP.

That really is staggeringly inept and I can't believe she's trying to cover it up!

@Chimley

That really is staggeringly inept and I can't believe she's trying to cover it up!

I don’t wanna give the wrong impression I don’t think she’s actually covering up anything more just refusing to deal with it.

Is it not covering up when you sweep something under the carpet to stay on the lending panel?

Yes I guess that is true I mean she made it very clear that that was the reason why she wasn’t prepared to open this can of worms.

The can of worms she created? Do you think she thinks you'll just live with not being able to get a mortgage forever? What do you think she thinks will happen from now on? (To be read in a curious not furious tone!)

Is she an independent broker?

A partnership regulated bu the fcac

The journalist who deals with matters like this at the Daily Telegraph seems to get results, as do the ones at the Daily Mail. Might be worth contacting them.

@maddy68

It was an accident. They sent the wrong slips. They will rectify it. Don't worry

But they're not rectifying it. The broker is now ignoring OP

@thegcatsmother

The journalist who deals with matters like this at the Daily Telegraph seems to get results, as do the ones at the Daily Mail. Might be worth contacting them.

I’ll reluctantly click on the daily mail website, it is actually exasperating that they can have such a hold over people with little accountability. I’ve actually just sent them a note saying that as data handler they do have an obligation into the GDPR at section 17 to say that the data has to be accurate, will await their response

@maddy68

It was an accident. They sent the wrong slips. They will rectify it. Don't worry

Have you ever dealt with mortgage brokers? Or banks?

The broker has a legal responsibility to investigate your complaint, so it needs to start there. Once you've had your final response letter or if 56 days have passed, you can then approach the financial ombudsman. They should acknowledge within 5 working days and send a holding letter at 4 weeks if they've not completed their investigation. Be very clear about the outcome you expect. They're regulated by the FCA and likely the Prudential.