Every year, consumer advocacy organizations receive a lot of complaints from users, especially regarding banking and mobile services. According to data fromTO FATHER (the Organization of Consumers and Users) last year registered more than 253,000 consumer complaints and inquiries. Financial services were the most sought following sector, displacing telecommunications, which traditionally accumulates many of the complaints received at the OCU.
Included in the Asnef
If you are one of those people who has had problems with a financial institution or telephone company and have any debts with these or other companies – whether false or unrealistic or a full-fledged embezzlement – they are likely to have included you in the list of defaulters. in fileAsnef (National Association of Credit Financial Institutions). Asnef’s list may include those individuals who have a demonstrably unpaid debt. The seniority of this debt must also be more than four months. Any company that belongs to the association can be included in the list.
How to know if I am
To find out if you are in their files, you must fill in Agile Consultation Form from their website or call 917 814 400. The response to the form usually takes an average of 10 business days. Information can also be requested in writing by contacting theCustomer service by ‘e-mail’ to [email protected] – applications sent by e-mail must not exceed 3Mb in size – or in the post office box 10.546, Madrid 28080. In writing you must indicate:
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Name and surname or company name.
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DNI / NIF / CIF
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Address to which the answer can be sent.
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In the case of people who have a certificate of citizenship of the Unionin addition to this, they must accompany a photocopy of the passport or identity document of their country of origin.
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Date of submission and signature.
If you are on the delinquent list, companies that are affiliated with the association may deny you a loan or mortgage, give you a smaller amount than you request, or ask for more guarantees or requirements than a person who does not. figure in the list.
How to get off the list of defaulters
To get out of the delinquent list the quickest and easiest method is to pay off the debt. When the amounts due are paid, the debtor company must notify Asnef so that they can withdraw your data from their files. If they do not, you must contact the association and send them a proof of payment and request that they cancel your details. But that’s as long as you agree on the debt, of course.
Disagree
If you disagree with the debt or it is a mistake, you should contact Asnef to request the cancellation of the data. If they do not comply with your request, you will have to go to court for the harm caused. The jurisprudence of the Tribunal Suprem it usually favors the customers who complain, so there is a good chance of winning. Of course, spending money and time. Please note that if you do not pay or go to court to resolve the inclusion in the Asnef file, the law requires that the information included in these files be deleted once 6 years have elapsed.