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My wife and I purchased a new house on 30th July 1999 for £220,000 using an Abbey National mortgage advance of £200,000. At the same time, Abbey National turned down my current account application but said it would re-apply on our behalf once we had been living in our new home for a couple of months.
On 4th August 1999 Abbey National completed and signed an application form for a joint bank account in the name of my wife and myself. Abbey National staff stated on this document that we had lived at our new address for two years.
The Hunter fraud detection system matched our conflicting address history and Abbey investigated us as fraudsters. Click here to see the explanation Abbey National's fraud investigator faxed to CIFAS.
On the 12th August 1999 Abbey National investigators telephoned me at home and stated that the application form had our address for the previous two years. When I stated that this could not be since we had moved in only two weeks before the investigator stated, "We have now confirmed with you and your employers that you have only lived at this address for two weeks".
On about the 17th August 1999 I had a second telephone call from Abbey National investigators who stated again that the application form had our address for the previous two years.
On the 23rd of August 1999 I returned to work from holiday. I had an outstanding voicemail from Human Resources stating that Abbey National had telephoned for a reference. I was suspended from duty ten minutes later and my employers fired me three days later.
In October 1999 Abbey National registered my wife and myself as grade 4 CIFAS fraudsters at our present and previous address.
I was unable to obtain new employment working as an IT manager for the UK banks because of the CIFAS fraudster warning. I did not know that the CIFAS warning existed. My applications for employment to all the UK banks simply resulted in my name being added to each banks "Never employ this bloke" list. Click here to see an email CIFAS sent to Abbey National after it found out the fraudster warning was inaccurate.
I suffered a complete nervous breakdown in November 1999 and was unable to work for three and a half months.
I started work for an old friend on November 1st 1999 but I went sick just three days later.
I returned to work on February 20th 2000 but my friend was forced to cease trading on March 1st 2000. It later transpired that his credit worthiness was adversely affected by the CIFAS warning registered against me by Abbey National because he had stayed at my address in 1998. His bank cancelled his business loan and he was unable to secure another. I lost my employment a second time because of Abbey National.
I was taken ill several times and was twice rushed off to hospital with angina pains brought on by stress.
I was unable to work between March 1st 2000 to November 20th 2000 because none of the banks would employ me.
In May and June 2000 I received four letters from Abbey National stating that no application form from August 1999 existed.
In June 2000 Abbey National stated in a fax to CIFAS that they had received an application in August 1999 claiming we had lived at our new address for one year. Previously they had told us we lived their for two years. Click here to see a copy of that fax.
Over the past 18 months Abbey National have issued a total of 60 credit checks against my wife, my daughter and myself. This is in breach of the Data Protection Act, the Consumer Credit Act, the Banking Code and the Mortgage Code.
On November 1st 2000 the Data Protection Commissioners issued an assessment report on my complaints and agreed that Abbey National violated my rights under the DPA. They stated that Abbey National breached the 1st, 3rd and 4th principle of the DPA. Click here to see the DPC's "assessment".
Abbey National admitted to the DPC;
This is all utter nonsense. (but it is bad enough) They have simply put their hands up to being reckless & stupid to prevent themselves being charged as fraudsters.
Evidence related to this case:
Click here to see the Data Protection Commission's criticism of Abbey National's treatment of this customer's personal information
Click here to see CIFAS email to Abbey National confirming this customer's complaint
Click here to see a copy of the copy of first letter in which Abbey National denies to customer that there were two applications
Click here to see a copy of the copy of second letter in which Abbey National denies to customer that there were two applications
Click here to see a copy of the copy of third letter in which Abbey National denies to customer that there were two applications
Click here to see a copy of the copy of fourth letter in which Abbey National denies to customer that there were two applications
Click here to see a copy of the customer's list of credit checks.
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