So what can I do?

Little but someone several years ago came up with this strategy issue a notice of correction on your file with the credit references agencies in the UK, which is free process after you have got your credit reference up to date with the agencies.

Thumbprint Notice of Correction

I, Mr John Smith of 22 Acacia Avenue, Rotherham S65 1AA, date of birth XXth October 19XX declare that when my signature is required for any financial product or service I will authenticate it with my thumb print. Failure by me to comply with this direction should result in the service or product being withheld.

Any application without a thumb print should be considered fraudulent.

I will inform you in writing, signed and thumb-printed, of any changes to this Notice of Correction.

What does this mean?

  1. If someone takes out a loan in your name and the signed loan agreement doesn’t have a thumb print of yours on it; you did not enter into that agreement
  2. The loan/mortgage provider would have had to do a credit check in order to provide the loan and thus will have received the notice of the correction at the time of the credit check