Halifax CIFAS Marker — Marker removed
The situation
A mortgage broker submitted information on P's behalf that P did not know was inaccurate. Halifax placed a False Application marker on P's record. P only discovered the marker when trying to remortgage elsewhere.
Our approach
The complaint set out: (1) P did not prepare the application, (2) the broker submitted information without P's knowledge, (3) the marker should be against the broker if anyone, not P, and (4) Halifax had not investigated the broker's role before filing.
Issuer response
Halifax accepted that the marker should not have been placed against P and removed it within 4 weeks.
Result
Marker removed in 4 weeks. Halifax acknowledged broker involvement.
Key takeaway
When a broker prepared the application, make this clear in the complaint. The CIFAS marker should be filed against the party responsible for the false information, not necessarily the applicant.
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