Hi,
I have a dispute with 1 of the big 4 banks in 2018 from a debt I had with them in 2015.
The bank stated I was sent a notice that if the debt was not paid I would get a default against my name.
Long story short, here's a quick summary:
Bank puts default against my name. I was not living at the residential address they sent the notice to.
This was updated as bank records and notes state on the letters they sent them to me for 5 months then it went back to the previous address but not on their system notes.
Bank gave me a digital copy of the original documents. Metadata does not match up to the dates of 2015 with 2013 and 2018 being the only years despite the documentation stating 2015. Other discrepancies like improper formatting of letters and in one section the account payment details were completely wrong.
I paid the outstanding debt as soon as I was made aware of it in full. The bank refused to remove the default despite my protesting that I never received notice of this default and their records in various months show the change of address then it disappears back to my old one I was no longer residing at. The debt was paid up until the address changed and to my knowledge since not much was owing I was under the impression it was paid off and I never heard anything more about it until I went to apply for car finance years later.
I raised this with FOS stating the documentation was fraudulently created and offered to show them the metadata and pointed out the discrepancies.
FOS made a final determination in favour of the bank and when I questioned if they took anything I stated into account they simply said they aren't professionals in that area and they only go by the information that is before them not the information I provide to counteract and prove that the information was fraudulently created by the bank to cover themselves.
How can I follow this up, I have a default against my name for the next year and cannot buy a house or get a car loan at a reasonable rate and yet I'm earning well over 6 figures.
Is VCAT an option or does the financial ombudsman have some powers that you cannot fight their decision no matter how wrong it was?
I have a dispute with 1 of the big 4 banks in 2018 from a debt I had with them in 2015.
The bank stated I was sent a notice that if the debt was not paid I would get a default against my name.
Long story short, here's a quick summary:
Bank puts default against my name. I was not living at the residential address they sent the notice to.
This was updated as bank records and notes state on the letters they sent them to me for 5 months then it went back to the previous address but not on their system notes.
Bank gave me a digital copy of the original documents. Metadata does not match up to the dates of 2015 with 2013 and 2018 being the only years despite the documentation stating 2015. Other discrepancies like improper formatting of letters and in one section the account payment details were completely wrong.
I paid the outstanding debt as soon as I was made aware of it in full. The bank refused to remove the default despite my protesting that I never received notice of this default and their records in various months show the change of address then it disappears back to my old one I was no longer residing at. The debt was paid up until the address changed and to my knowledge since not much was owing I was under the impression it was paid off and I never heard anything more about it until I went to apply for car finance years later.
I raised this with FOS stating the documentation was fraudulently created and offered to show them the metadata and pointed out the discrepancies.
FOS made a final determination in favour of the bank and when I questioned if they took anything I stated into account they simply said they aren't professionals in that area and they only go by the information that is before them not the information I provide to counteract and prove that the information was fraudulently created by the bank to cover themselves.
How can I follow this up, I have a default against my name for the next year and cannot buy a house or get a car loan at a reasonable rate and yet I'm earning well over 6 figures.
Is VCAT an option or does the financial ombudsman have some powers that you cannot fight their decision no matter how wrong it was?