How to Avoid Being Flagged By a Secret Database Blacklisting Borrowers


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Jack Dawson
September 15, 2015

Jack Dawson

I am a highly creative marketer who can always be trusted to come up with a new approach, currently employed at "Walnut Web Sols" beside this, I know that the client's business comes first, and I never try to impose my ideas on others. My greatest expertise revolve in the worlds of interactive Social Media, Brand Identity Design, Content Creation and Print Collateral. My wish is to combine my knowledge and experience in these areas, to deliver the best creative to my employer's clients and their audiences.

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Securing a loan or mortgage can be challenging. It is even more challenging to access these financial tools when you are blacklisted by a little-known hoax database. Today, more than 640,000 people have been blacklisted by this secret database.

Building societies and banks own this fraud prevention register. The secret tool blocks fraudulent borrowers from obtaining credit from financial institutions. Most people are not aware that their details are in this system.

The history behind the database

In 1993, lenders set up the NATIONAL HUNTER Database. The main purpose of this database was to prevent fraud. Over time, lenders have had concerns about loan applications and to calm their worries, they decided to come up with a database that detected any fraudster. 50 member organizations have access to this fraud-prevention database.

The organizations using this database are not required to inform their customers whenever they make an entry. Today, over 640,000 entries have been made in the database. The entries remain in the database for close to six years. The database does not hold any electoral roll information, credit histories, credit scoring records and copies of court judgments. This is unlike credit reference agencies.

Difficulty in securing loans

Flagged borrowers find it next to impossible to secure any form of loan. You can check your file through the National Hunter, but at a fee of £10. The database does not offer any dispute facilities. In case you have any query with the National Hunter, you are referred back to your lender. The lender is the one who will decide whether to reconsider the entry decision or not. This means that you cannot make a petition to the database to effect any change. You must communicate with your lender to clear your name or otherwise.

Victim’s story

Alex Helmore is one of the victims of this database. A worker at one of the boarding schools in the country, he discovered he could not secure a mortgage because Accord Mortgages had entered his details to the database. He tired of living within the school compound, so together with his wife they made an offer to sellers of a property within the neighborhood. The property needed some renovations.

After establishing that he needed money for the renovations, Alex applied for it with Accord Mortgages. Accord is part and parcel of the Yorkshire Building Society. His application was accepted. Convincing and searches were carried out. The completion date was set for September.

However, Accord unexpectedly withdrew the offer after Helmore’s solicitor made a call to verify whether the loan applied for was a buy-to-let or residential mortgage. There were concerns that the house was for rent and not a residential house. This is not allowed under the residential mortgages.

Even after writing to Accord Mortgages that the main purpose of the house was for family living, the lender totally refused to change his mind about reinstating the offer.

Final word

According to Barry Brennan, National Hunter’s managing director, "We don't have the ability to change the data in any way. We simply carry out an administrative function."

Franklin Murray is a doctor by profession with a strong interest in technology for handling clinical records as well as remote DBA services.