Tanja grew to become “citizen ineligible” – The rationale was an incorrect entry within the new register – 2024-05-24 04:37:04

Tanja Tikkanen utilized for shopper credit score for automotive gross sales on the finish of April. Quickly, Nordea was contacted to say that the credit score wouldn’t be granted as a result of late cost mark.

Tikkanen panicked. What entry? At first, he paid the payments, till the next week he went to test the scenario on the optimistic credit score info register, which got here into impact in April. All credit and earnings of personal people are collected within the register.

In actuality, there was no cost delay. This was additionally confirmed by the OP. Iltalehti has seen Tikkanen’s current stability certificates, which states that there is no such thing as a cost delay on the mortgage.

The register nonetheless confirmed an incorrect entry, which was a 90 euro bill from December to OP. Iltalehti has seen the entry.

“How is feasible?”

Tikkasen hasn’t had OP’s bank card for some time, however he pays a month-to-month installment of 90 euros on the remaining stability. He’s not OP’s shopper both. The December entry is a thriller.

– I’ve referred to as there day-after-day, as a result of the scenario was that the automotive I needed to purchase was reserved for me just for a sure day, and I additionally informed the OP about that scenario, says Tikkanen.

OP’s customer support couldn’t say what triggered the error or how lengthy it might take to repair it. In accordance with Tikkanen, the customer support consultant stated that former and present prospects might have incorrect entries.

– That is why I requested how is it potential {that a} monetary firm like OP, which is concerned in plenty of financing, could make such a giant mistake that it can’t be corrected?

OP despatched Tikkanen a stability certificates with which he may show to Nordea that he was capable of pay. Nevertheless, the certificates didn’t go to the financial institution as a result of it checked the solvency system, which nonetheless exhibits the pink mark.

OP: Not a totally ready-to-use register

Director answerable for OP’s collateral and digital housing gross sales Anna Niinimäki deeply regrets if prospects have been dissatisfied attributable to potential errors within the optimistic credit score info register.

On account of financial institution secrecy, OP can’t touch upon the affairs of a person buyer.

In accordance with Niinimäki, the optimistic credit score info register was not totally prepared to be used when it was opened at the start of April.

The banks took a considerable amount of info from a number of sources to the register, which didn’t adapt to the info with out issues.

Nevertheless, in response to Niinimäki, the errors have solely affected a small variety of OP’s prospects. OP submitted greater than three million loans to the register, and in relation to this, the proportion of errors has been very small.

– In observe, all banks know that such errors can happen. Should you your self acknowledge that there are errors in your info, or for those who suspect that you’ll obtain a detrimental resolution from an automated credit score resolution service attributable to an error, then contact your financial institution in order that these errors could be corrected and a good end result, Niinimäki advises.

There have been contacts on the topic, however in response to Niinimäki, not till the height.

That is how rapidly it goes away

The shoppers’ info ought to be up to date within the new register rapidly, even the subsequent day.

– However now on this implementation part, it has been particularly acknowledged that there have been delays in eliminating cost delays, Niinimäki says.

Niinimäki has recognized the errors nicely and corrected them as rapidly as potential, and the register is already working higher.

Niinimäki advises the financial institution’s buyer as follows:

– Should you now discover that there are some errors in your individual info, you shouldn’t fear about it. Errors are at present being corrected. That’s, there is no such thing as a must do something if you’re not in an acute scenario of making use of for a mortgage.

If, however, you might be making use of for a mortgage and there’s an incorrect entry within the register, Niinimäki positively recommends acquiring a stability certificates or different proof of the proper scenario by way of your individual financial institution.

Niinimäki factors out that there are lots of positives within the new register. It’s helpful for banks and people, as a result of it lets you see your total monetary scenario.

“Like my nightmare”

Tikkanen urges each Finn to test their info within the new register.

He additionally contacted the Tax Administration, which maintains the register, and which supplied to take away the entry, however in response to Tikkanen, this may take an estimated month. The Tax Administration had additionally estimated that others had the identical downside.

– That is like my nightmare. I’ve been made unfit for citizenship due to one incorrect entry, due to which I lose my night time’s sleep and my automotive, says Tikkanen.

After the story was revealed, the Tax Administration despatched a message to the editors, in response to which the taxman can’t take away entries, however the correction of the error is primarily a matter for the creditor.

It could have been good to do one thing additional in the course of the summer season trip, however Tikkanen’s time, who’s on trip, is now spent on checking out the entry. There isn’t any info on when the entry will likely be eliminated.

– Now I do not even dare to make use of my present bank card, as a result of I am always afraid that the entry can shut it too. Though it should not, however I do not belief this technique in any respect proper now.