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Hi,
I’m new so apologies if I’ve put this in the wrong section.
I’m an IT contractor and in August 2015 I received a job offer to work for a financial services company only to have the offer withdrawn due to a failed credit check (I have proof of offer and withdrawal of the offer due to a “failed credit check”).
I investigated this and after a while Lloyds bank admitted they should have taken the default off my account in 2013 (I have email proof), they action the default to be removed and it came off a week later. However due to the fast pace of contract work that job was filled by someone else and I had to look for another contract.
I got another offer in October (again in the financial services sector) this time passing the credit check (the only difference to my credit score being that wrongful default was removed thus proving it was the reason for my failed credit check the first time).
However due to the incorrect default sitting on my account I lost the first contract (£350 a day for a fixed 12 months). I took me 7 weeks to find another job.
I calculate that as £350 * 5 days * 7 weeks = £12,250 in loss of earning for the 7 weeks I sat unemployed.
Also the contract I am in now is only £300 a day (£50 a day less than I would have been earning if that incorrect default hadn’t been on my credit record and cost me the original contract). I think it’s fair to include that as part of my loss of earning calculation too which would be:
£50 * 5 days * 45 weeks (time on the original contract from when I started working) = £11,250.
That’s a total of £23,500 in loss of earning.
Could anyone offer advice on how to pursue compensation?
Should I contact Lloyds customer services first or the FO?
Can I do this via email or does it have to be letter?
Thanks
I’m new so apologies if I’ve put this in the wrong section.
I’m an IT contractor and in August 2015 I received a job offer to work for a financial services company only to have the offer withdrawn due to a failed credit check (I have proof of offer and withdrawal of the offer due to a “failed credit check”).
I investigated this and after a while Lloyds bank admitted they should have taken the default off my account in 2013 (I have email proof), they action the default to be removed and it came off a week later. However due to the fast pace of contract work that job was filled by someone else and I had to look for another contract.
I got another offer in October (again in the financial services sector) this time passing the credit check (the only difference to my credit score being that wrongful default was removed thus proving it was the reason for my failed credit check the first time).
However due to the incorrect default sitting on my account I lost the first contract (£350 a day for a fixed 12 months). I took me 7 weeks to find another job.
I calculate that as £350 * 5 days * 7 weeks = £12,250 in loss of earning for the 7 weeks I sat unemployed.
Also the contract I am in now is only £300 a day (£50 a day less than I would have been earning if that incorrect default hadn’t been on my credit record and cost me the original contract). I think it’s fair to include that as part of my loss of earning calculation too which would be:
£50 * 5 days * 45 weeks (time on the original contract from when I started working) = £11,250.
That’s a total of £23,500 in loss of earning.
Could anyone offer advice on how to pursue compensation?
Should I contact Lloyds customer services first or the FO?
Can I do this via email or does it have to be letter?
Thanks
