Just so that there are no debt collectors turning up an his ex girlfriends address, as that would not be fair on them, I have notified them in writing of his correct address and that any further correspondence to his old address will be returned or disposed of. Sent by recorded delivery. Ill update this if there are any updates from the DVLA BTW. Re your avatar and location. Clearly you are a person with impeccable music taste.

I dont really want to close the account as I use it for quite a few bills and direct debits, and if I close it Ill have to open another one which will have yet another negative effect on my credit reference rating. I have been in contact with Transunion and they have a copy of the letter. They say that they can remove the entry, however it will not achieve anything as the entry will simply be reinstated on the next monthly cycle because Nationwide are still actively reporting it as a joint account on each monthly update. So because of this, although they can, they are reluctant (read not willing...) to remove it while nationwide are still reporting it as a joint account. They still cant tell me why its reported on my credit reference as a Barclays account though. So im back to waiting for the ICA, but as of today Ive also logged a complaint with the Ombudsman. As soon as I hear back from the ombudsman or the ICO I will update this. Nick

Yes absolutely. The text is as follows:(identifying info removed) Our response to your complaint Dear xxxx I am sorry that you have had to raise concerns regarding your Credit File issues and thank you for your patience whilst I have investigated your concerns. Thank you for taking the time to talk to me today regarding these concerns. Your concerns As I understand, you raised concerns that your credit file had shown that there was an association with a previous joint account holder despite them being requested to be removed in 2016. Our findings I have received confirmation that the joint account holder, Miss BRIAN was not fully removed from the current account and her details remain associated with the account until now. This has been manually updated this week and details sent to TransUnion for their records to be updated. I would hope that they would take the information and backdate this to 2016 however, I suggested that it may be in your interests to contact TransUnion directly to ensure this is done. This letter is confirmation that this administrative error has been caused by Nationwide but if you require any further documentation to assist with your Credit File, please do not hesitate to contact me. I have sent a request for all associated financial details to be removed from your profile and this will be processed and TransUnion notified within the next 6 - 8 weeks. Our decision You advised that upon reflection, you have been affected by this over the years when applying for credit and I would like to apologise for any inconvenience or confusion caused by this. In upholding your concerns, I have arranged for £250.00 compensation to be credited to your current account ending xxxx, this will appear as a credit from sundries on your statement by close of business on Monday 14 February 2022. Your information The information you provide will be held by Nationwide. We’ll use it to process your complaint and resolve your concerns. Your rights You have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of this letter. I’ve included a link to their leaflet, or you can visit their website – www.financial-ombudsman.org.uk. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances. Next steps As previously explained, this letter is to confirm you’ve accepted the proposed outcome and we now consider your complaint to be resolved. If there’s anything you’d like to discuss further, please reply to this message by sending an email to me at MS&CTeam1@nationwide.co.uk or you can contact me on 00000000000. Your complaint has been logged in accordance with our internal complaints policy. Our strategic root cause team will therefore be able to access your concerns if required, to identify trends in member dissatisfaction and identify improvements to our products and processes. While we cannot guarantee your case will be reviewed, we take member concerns seriously and therefore are constantly looking to identify areas of improvement. Yours sincerely Chris Hemming Member Relations Consultant Member Service

Sorry for the long delay on following this up, Ive been waiting for the results of actions I was promised. After this post I found a telephone number for the ICO and rang them to get some advice on the correct procedure to follow raising this with them. The lady I spoke to said that the ICO had a huge backlog currently, and that what she advised in the first instance, was to log an official written complaint with the nationwide bank. This would then get followed up by technical team who would be able to look at the specifics of this particular issue, and that if this did not resolve the issue, OR the bank did not respond with an acceptable response within the required time frame, then to come back and to log the complaint with the ICO and they would then take up both the information issue and the lack of response within the legally specified time limit. So a complaint was logged with the nationwide bank and eventually a customer resolutions manager got in touch with me nationwide had found some mistakes in the way some of their different systems were incorrectly reporting the account, while all the systems customer service teams were able to access reported it correctly. He told me his team had spent quite a time going over the systems and had removed a number of instances where the incorrect information was recorded and that he couldnt give me a reason why this had not happened automatically. He awarded me £250 as compensation and told me that the data on Transunion would be updated within the next 6 to 8 weeks and followed this up with a letter. SIve waited a a few months, and nothing has changed I rang the bank and after being put through about 4 different people, was told that it can take some time for all the relevant systems to synchronise with each other before the correct data was reported to Transunion. Ive waited a couple more cycles. And the data on Transunion has not changed. I have telephoned Transunion to follow it up and been told that the account is STILL currently being reported as a joint account by Nationwide, and he cant tell me why Transunion display it as a Barclays account with incorrect dates. As of today there is now a complaint logged with the ICO but the lady on the phone told me that there is a huge backlog and it could be three months or more before its assigned to a complaints officer who will then handle the complaint. Im £250 better off, but to be honest Id rather just have the correct information on my credit account because it is causing me issues. I had to fill in a financial application form with my partner recently, and this was literally the first thing that was flagged up when they did a credit check and I had to explain it all to them. Im back waiting again... Any further advice on anything else I can do wil be gratefully received. Nick.

My son owned a car, and due to splitting up with his girlfriend and having to move etc, he decided to sell his car to ease his finances. Having arranged it with the dealer, at the very beginning of Feb 2022 (this year) he drove the car there, I drove my car there and we met at the dealer. The car was sold, the V5 logbook was split, both parts were filled in, our half was signed, put into an envelope which was addressed, I had some stamps in my wallet and on the way home we posted it. As far as I im concerned and aware, our legal responsibility has been fulfilled and we just wait for the letter to come confirming the car is no longer registered to us. The next correspondence we got posted to his ex girlfriends address where he used to live was dated the 14 march, we got it a few days later, which was headed FAILURE TO TAX VEHICLE telling him he was being fined £80 for failing to either tax or SORN the vehicle and giving him a number of ways to pay and/or inform them he no longer owned the vehicle. I rang the DVLA on the number on the letter and was met with a flat response that the only option was to pay the fine, they were not prepared to discuss it and as I was not ringing them to pay the fine, they ended the call. I rang again on the DVLA customer service number that I found on the internet and a spoke to a lady who told me that there has obviously been a mistake, although it was my fault for doing it by post instead of doing it online (Im 55, it didnt even occur to me that you could do it online, ive always registered or transferred cars by post ever since I learned to drive when I was 17). She advised that we filled in the back of the form where there was a statement box where we could state the car had been sold to a dealer and we had posted the transfer slip and that once they received that it would be resolved. So we did exactly that, explained we had posted the registration slip and the car had been sold to a dealer and posted the form off. The next letter we received posted to his ex girlfriends house, was dated the 30 April 2022 It states the following: Dear Mr xxx Thankyou for your recent letter. The information you have provided us will be used to update our records and you should receive an acknowledgment letter. While you may no longer be the keeper of the vehicle, we did not receive notification at the relevant time and therefore as the registered keeper, you are responsible for licencing the vehicle or making a SORN. It is not a valid defence to claim that you allowed a motor trader or other third party to notify the DVLA of disposal and any acknowledgement letter we issue after the commencement of procedures will not be accepted as mitigation. Consequently you remain liable for the £80 penalty. Furthermore the arrears of the vehicle duty to date remain outstanding. Then there is some information on how to pay. When we filled in the previous form, at no point did we ever claim that we had allowed anyone to notify the DVLA on our behalf. We posted the correctly filled in registration slip, in a main post office letterbox, on the way home, and stated exactly that in the statement box on the back of the previous letter so I dont know where that claim has even come from. I rang the telephone number on the letter and spoke to an extremely rude lady who literally told me either I was going to pay her the money or she was going to end the call, and then she did exactly that while I was mid sentence. I spoke to the car dealer who told me that the car had been sold on to a new owner, the same month that my son sold it to him (Feb 22) and we checked the gov.uk website where it shows the car as currently taxed (which one must assume is by the new owner). I rang the customer service number again and spoke to a very helpful person who explained to me that the car was still registered to my sons name and confirmed that yes he was still responsible for the current vehicle tax as well as the fine for not declaring SORN or taxing it. I explained the situation and he looked at the vehicle records for me and agreed that an attempt to register the vehicle by someone other than ourselves in Feb, however the registration and payment was rejected and so in his words, "the ownership of the vehicle 'reverted' to my son and so he remains liable as the registered owner". I asked if our conversation could be logged and he told me that wasn't possible, no notes or record of our conversation could be added to the case, it would never be possible to update or amend any information or even record the fact that I had telephoned in and spoken to anyone. he then advised me that the only possible course of action was to request an appeal pack, fill in the appeal forms with any new information and take it from there. I asked if he could please send the forms to our correct address as it was a 45 mile round trip to his ex girlfriends house each time to pick up the letters, at which point he said he could no longer speak to me or send me any further correspondence as they could only correspond with or speak to a person who lived at the registered address. And he ended the phone call. going on the fact that he just told me there was no possible record of the conversation we had or that Id phoned in, I rang back, used my sons old address and got an appeal pack sent. I now have this in front of me and it states very clearly that only any new evidence that I can supply will be considered, any evidence or statements previously considered will not be accepted. Ive got until the 9 of next month to get this letter sent, ill do it by registered post. Please help with any advice. This is an appalling way to to be treated and it looks like we are going to have to pay a fine and backdated tax when we have done nothing wrong. Talking to the DVLA is like banging your head against a post... Many thanks in advance for reading this long ramble and any advice given Nick

Thank you. I had been told the FOS had no jurisdiction here, but I will start a complaint with them and see what they say. ICO. Information commissioners office? I will do that too. Thanks. Ill update here when I get a response.

Anyone able to help with this? Despite the latest communication stating that the dispute has been rejected because the account has been updated by Nationwide in Dec 21 as a joint account, the latest Transunion report (Dec 21) still reports it as a Barclays and last reported in September 2012. I've been told that the banking ombudsman doesn't have any jurisdiction over credit reference agencies. Any advice will be gratefully received. Nick

Good afternoon. Full background. I used to be in a relationship with someone, her name isn't relevant so I'll call her Brian for the sake of this post. We owned a house together and she was added to my bank account making it a joint account. At some point we separated, in 2016 the property was sold, our finances separated, we went into the relevant banks and filled in the forms, my joint accounts reverted to sole ownership in my name and we parted ways. At no point were any of our finances ever in arrears, no payments missed, no defaults etc etc, Since 2016 we have had no contact, last I heard she was living on a canal boat somewhere in Norfolk. I have no address or contact number for her. Fast forwards to today. I'm self employed and I'm trying to improve my credit score a little and I subscribed to checkmyfile to see if I can work out what's dragging my score down, and I discover that Transunion has a financial association with Brian and when I move the sliding scale thing to see how this is affecting my credit score with transunion, it makes a HUGE difference. Clearly this is an error, I have no financial links with her at all and have not since we parted ways in 2016. I also create a Credit karma account as this is specifically a transunion report, and it's also reported there. Transunion states it is a Barclays account. I have never ever had a barclays account. Transunion states the account association originated on the 1 September 2012 and was then later confirmed on the 6 Feb 2010. No that's not a typo on my part, unless transunion have a time machine that can confirm a financial association on an account that doesn't exist two years before it was created, then something is obviously wrong. I raised a dispute with transunion and the information I got back is that this entry relates to an account number that is a nationwide account, which is one of my two current accounts with nationwide that I use and that nationwide are reporting it as a joint account and so the dispute is rejected as the information is correct. I've been to nationwide. I've spent around two hours in the branch with some very helpful staff who have scratched their heads to get to the bottom of this. The upshot is that I have been given: Screen printouts from the Nationwide account management system (which as a customer I have no access to), showing the account status as sole ownership in my name. Current statement printouts showing the account in my name only. Historic statements showing the account in my name only. A statement of fees for account showing it as sole ownership in my name only. A statement from August 2016 showing the account in joint names with myself and Brian, And a following statement from September 2016 showing that the account has been changed to sole ownership in my name only. All of these supporting documents have been stamped with the branch stamp, dated and signed by the manager lady who spent ages trying to sort this out for me. After a lot of ringing other departments, she also assured me that this account is not being reported as a joint account, it is on all the systems she is able to check on reported as a sole ownership account in my name only. She said that the information that goes to the credit reference agencies is a data dump taken from the account management system, where it it clearly not reported as a joint account. And that the same data file goes to all the credit agencies, it's also not possible for different data agencies to get different information for the same account, and as Experian and Equifax both report this account correctly, the correct information is leaving their systems and the issue is with Transunion. I have raised a second dispute with transunion and supplied them with all the supporting documents from the bank showing that this account is A. A nationwide account and not a Barclays account B. Categorically not a joint account with Brian and is a sole ownership account in my name C. The dates are clearly wrong D. Experience and Equifax report the account correctly And again they have rejected the dispute stating that the account is reported as a joint account and the information they show is correct. I still have a financial association with Brian on a nationwide account that is solely in my name since 2016, is reported as a barclays account with wrong dates that is harming my credit score and transunion refuse to acknowledge all the documentation I have from the bank. I have raised a complaint procedure with nationwide to get it investigated and have not heard back from this yet. I was going to wait till I get a response from the bank complaint and then contact the bank ombudsman, although I'm not sure if they have any authority over the credit reference agencies, and the issue seems to be with transunion rather than my bank. Anyone able to help with this? Despite the latest communication stating that the dispute has been rejected because the account has been updated by Nationwide in Dec 21 as a joint account, the latest Transunion report (Dec 21) still reports it as a Barclays and last reported in September 2012. I've been told that the banking ombudsman doesn't have any jurisdiction over credit reference agencies. Any advice will be gratefully received. Nick Any suggestions on what my next step to resolve this will be very gratefully received. Nicholas

Hello all. Im currently in a very stressful and worrying situation. Ive done something a bit silly, but I also appear to be being stitched up and I dont have any proof to defend myself with. Let me start at the beginning. I guess the only way to ask for advice on whats going on is full disclosure of facts so: I work for a local authority. Ive worked there for over 15 years in the IT department. I dont think its relevant to put which authority here but I can answer that if anyone wants to know. We all have company laptops that generally come home with us every night. I live quite a long way from my office and have an hour and 40 minutes train commute each way. Ive read books, Ive studied, Ive made web sites... all manner of things to pass the time. Then I installed I player so I could download and watch some tv programs (This is not the issue)on the train with headphones, but most of the things I wanted to watch were not on Iplayer, so then I did something daft. I started to download tv series such as Sons of Anarchy and The thin line from torrent websites. I know I shouldnt have, but I didnt think it was going to lead to what then happened. I wasnt the only person in my office to be doing it, and it wasnt unknown for us to swap series, again, I know I shouldnt have and 'everyone else is doing it' isnt an excuse, BUT other people were and I did. Then in the first days of August, a colleague who was a contractor who was I thought a friend, had been with us for almost two years left. I shook his hand, he said see you later mate it was good working with you, we should keep in touch and go out for a drink etc. For the record, he was one of the people I had been swapping programs with. What he did next, (I didnt know this at the time, I have just found this out recently) was go up to the directors office and tell them in writing that they should look on my laptop as there was illegal copyright material on it. A day or so later, the day before I was due to go on holiday, I was called into a meeting room and informed that an allegation had been made against me that there was illegal copyright material on my laptop, did I have anything to say. Thinking that honesty was the best policy, I put my hands up and admitted everything that was on my laptop, with the exception of pointing a finger at other people. I was told that my laptop was going to be seized and a report made on its contexts by an independent forensic inspection company. That was six weeks ago and its been a very stressful six weeks, although I have been carrying on at work as normal, and was told by my head of dept when I went to speak to him about it a few weeks ago, that they were not looking to terminate my employment, but I should understand that I was in a lot of trouble. Two days ago on Tuesday the 16th Sept, I was asked to come into a meeting room, where my head of dept and my manager were sitting, and I was asked if I wanted to tell them anything else that was on my laptop that I hadnt already admitted. I said no, I have put my hands up to all accusations as soon as I was asked. I was then shown a summary report of the analyses on the laptop, which listed 132 pornographic films and pornographic files on the laptop. I was shocked, I genuinely dont know where they have come from. I have not downloaded them and I have not viewed any porn on the company laptop. I was informed that any previous information that I had been told about what was going to happen was no longer applicable, the situation has now changed. I was shown a copy of the company policy that states no authority owned equipment may be used to access of view pornography and the situation had now moved towards gross misconduct. I am adamant that I do not know where this material has come from. I would be lying if I said Ive never viewed pornographic material, but I have never ever on the work laptop. As domain admins we all have full access to any device on the network, and as I have now found out from elsewhere it was someone I thought was a friend who instigated these allegations, I have a pretty good idea who placed these files there. However I have absolutely no possible way of proving it, other than protesting to deaf ears that I am being set up. I was given a copy of my employment contract etc, asked to hand over my id and swipe card and my remote access tokens. I was told that a full copy of everything was going to be put together and posted to me, and there was going to be an investigation carried out by my department manager, was allowed back to my desk (supervised) to collect my bag and was then escorted out of the building. Apparently this investigation will take possibly up to a couple of weeks, after which I will be invited in for a hearing, I was told unofficially by the person who escorted me out of the building that the most likely outcome will be dismissal for gross misconduct, however if I chose to resign I could leave with a clean record and would still get my three month notice period on gardening leave. I have contacted my union rep from home and I have chased him up again today, and am still waiting for him to call me back. So thats it, I know I was stupid for downloading films, and I understand that I was in trouble for that, but I am honestly taken back by the 132 pornographic films found, thats a hell of a lot. So, Im in the crap. Ive been very stupid, but I havent done the thing that Im going to get the sack for and I cant prove otherwise. I havent slept much for the last few nights, Im very stressed. Ive got a big mortgage to pay. So thats it really, I think cards on the table warts an all. It doesnt take a rocket scientist to see its not looking good. I just really need all the advice that I can get. Many thanks in advance for any replies. Nick.

Ok Company name has been removed. I'm sorry, It was used three times and I thought I was using it in context. I'm not on a witch hunt, I just want some advice on what we should do really. Number one choice is walk away and find other work, which we will do when possible, but in the mean time, it is at least income. I'm also going to be checking out the links above. Thank you

Good afternon. Im just looking for a bit of advice on how best to tackle this. My wife is currently working for a care agency franchise based in Worthing. There are two issues that I want advice on although both issues are intertwined so Ill try to bullet point the issues and keep it both as detailed as possible and short. She does round the clock live in work over weekends with disabled people who require live in 24 hour care. A weekend shift for the sake of this issue is Friday evening 18.00 to Sunday evening 18.00. She works for the agency on what is I believe called a zero hour contract, so when there is no work she doesnt get paid. Issue 1 We have some time coming up in the summer where we want to go away for a camping break and she approached her employer to find out how much holiday pay she had accrued over the last year. The admin office told her that they do not pay holiday pay, but they add a little percentage onto her wages. Now Im 100% sure that this is completely illegal. I contacted the office on her behalf and pointed this out and they said that they were not aware of this being illegal and they would look into it. After a week they have been in touch with my wife (verbally) and told her that they are in the process of changing to a new system whereby holiday pay is put into a fund and paid back to them as holiday pay, but its going to mean that the hourly rate is reduced by up to £1 per hour to cover the deducted holiday pay. Issue 2 They have just phoned and asked my wife if she would be interested in covering for a two week (14 day) live in period. They have offered her £500 per week and told her this is the going rate for a week live in rate and told her its not negotiable. Now bearing in mind this is round the clock care 24/7 whatever is required, with no official meal breaks or time off, that is £2.97 per hour. Of course the other way of looking at it is that its £1000 over two weeks which we desperately need, but it doesn't change the fact that its actually £2.97 per hour, for 14 days 24/7 with no official breaks... Now getting hold of the boss by the throat and banging his head against something until he agrees to stop ripping my wife off (and all the other women who work for them) and pay her a decent living wage is probably (although it would be very satisfying) not the best way to go about things... So... What do I do? What is the best way to deal with this other than just walk away. What shouldn't I do (banging peoples heads on desks is probably at the top of this list... Ok Who can I report this to, and can I do it without it coming back onto my wife and losing her the weekend shifts she does which we desperately need. Now I should make it clear that Im not going to become a martyr for other employees, my wife is looking for other work and if she finds it, we drop this company like a hot potato and walk away. But in the mean time there must be someone we can report this illegal employment practice to. Thanks in advance for any advice you can give me. Nick