VIC Bank Opened Home Loan in Error - Demand a Formal Letter?

Discussion in 'Debt and Bankruptcy Law Forum' started by Kathiiy, 26 September 2018.

  1. Kathiiy

    Kathiiy Member

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    Hello,

    Sorry if this is the wrong place to put this, but I'm a little confused.

    Three weeks ago, I checked my internet banking to find the bank had loaded a home loan onto, in excess of $400,000. This was a bit shocking to me as I no longer own a house.

    I called them up and they were surprised I didn't know anything about it as it had been drawn down yesterday and was joint with my ex-husband. Turns out he has just bought a house with his new partner and instead of loading her name, they put mine instead.

    It disappeared off my internet banking a few days later, but I kind of want something formal from them saying how it happened and that it won't show on any of my records, etc, etc, rather than just the one line email I got saying it was 'all fixed now'. It felt like a really big deal to me, and I really didn't need to know that much information about my ex's new life.

    What do I do now? Just forget about it and move on and hope it never comes up again? Or can I demand a more formal letter stating the debt doesn't have, and never did have anything to do with me?
     
  2. Rob Legat - SBPL

    LawTap Verified

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    I think you're well within your rights to request something more formal than a 'one line' email from the bank.

    I would also suggest obtaining a free copy of your credit files to ensure that an enquiry has not been made against your name. Go to Plans & Pricing and Check your credit | Dun & Bradstreet (Australia)
    You can get one free credit report in each 12 months. Do both, as they are separate credit reporting bodies.
     
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