Go to a financial institution to apply for a loan to finance a car, reform or mortgage, being sure that due to our economic situation we meet the requirements and then deny us the application because we are on the West African Loan Group list of defaulters. Many of us at some point We have taken this negative surprise of discovering that we are in a file of defaults. It is also not difficult for our name to appear in the list file. It is enough to not pay an invoice (regardless of the amount), late payments or disagreements with our entity, to give several examples. For this reason, before applying for a loan, it is convenient to know if I am in the West African Loan Group, in order to make the best decision based on this information.
In addition, even if we ask the bank who has included us, since when and why debt, surely this cannot provide us with the information due to the issue of data protection.
Sometimes it can be a mistake (we will see it later), but most of the time it is due to debts for which we would never think anyone could include us.
When this happens, the bank credit tap is closed, having to turn to the alternatives that are capable of giving money in these situations.
It is also common that the bank only informs us that we are in the West African Loan Group, this generates a situation of significant confusion.
Although we can have an idea of what a delinquency file is, know how it works, who uses it and can consult it, the debts that are included and during what period, how to enter and exit is less common.
For this reason, in Igreigre with this page we answer the question "How to know if I am in the West African Loan Group" in a clear and simple way
How to know if I am in the West African Loan Group: Steps to follow
West African Loan Group ( National Association of Financial Credit Institutions ) includes companies from different sectors (insurance, financial, banks) including their delinquent clients in the registry.
The best answer to the question how to know if I am in the West African Loan Group is through the letter in which the association company informs of our inclusion.
Through the reference number that appears in the letter, we can access the Equifax website (the company in charge of managing the list) and enter in the form together with our DNI / NIE. By doing so, they inform us in detail about the amount we owe, to whom and in what concept.
What if I haven't received a letter?
It is common for many debtors to claim that they have been enrolled in the West African Loan Group without informing them of this fact.
In this case, we may request the right to remove our name from the West African Loan Group file for not meeting the requirements required by law for our inclusion.
Until we are properly informed, no entity may include us in the file.
If we have not received the letter or have lost it, another way to know if I am in the West African Loan Group without a reference number is through Equifax.
However, lacking a reference number, the process to follow is different. First we will have to write an email to the contact email firstname.lastname@example.org indicating that we want to know the data that appears in the list about us.
Next we have to provide a copy of the DNI on both sides to verify our entity without any third person being able to request the information.
Then Equifax provides us with a form to fill in our details.
Finally and after spending a few days they send us a report where our data appears in the list of defaulters.
Legislation and Regulations: How to know if I am in the West African Loan Group
The West African Loan Group file, like the other delinquent files, is regulated by the regulations established by the Intellectual Property Law and the Regulations that develop it.
All debtors may exercise their ARCO rights, the right of Access, Rectification, Cancellation and Opposition.
The right of access consists of submitting a letter to the West African Loan Group reliably identifying ourselves with a copy of our identity document.
In the letter we ask the file to give us all the information it has published about us.
Generally, West African Loan Group receives these letters by email, it can also be done by phone, as long as we have the reference number of the letter, although surely we will not have the same, otherwise we would not be asking how to know if I am in West African Loan Group, by not having notice of the notification letter or we lost it in its day.
We ask the file for the information it has published about us and it is signed.
After receiving the request, ASNEF is obliged to answer within a maximum period of thirty days. The report includes all the information about us (reason for the debt, creditor, date it occurred, etc.)
You must also send us a letter for each debt, that is, if we have several debts with different creditors, the notification is individual and independent of the rest.
In the same way, there is a list of companies that in the last six months have consulted the file regarding these data.
The file must send this information completely free, it does not cost money because it is among your rights to know if I am in the West African Loan Group.
Know who has included me in West African Loan Group
When a bank or company associated with the West African Loan Group informs the registry of a situation of non-payment by providing the personal data of the person and debt to be published in the list, according to law the following conditions must be met:
1 - First you have to check that the document proving the non-payment of the debt has been delivered. That is, the breach of the obligation.
2 - Secondly, the entity is obliged to inform the debtor of the inclusion, indicating the data for which it has been included, a notification that informs about it, so that the person does not even have to ask how to know if I am in the West African Loan Group, because it has been properly communicated to you.
In fact, if debtors were informed about the listing, no one would have to search the internet to know if I am in the West African Loan Group.
How do I know if I am in the West African Loan Group?
The way in which the file must communicate the publication of our data in the list to clear up doubts about how to know if I am in the West African Loan Group is not fixed in the legislation.
The only thing that is asked is that it be through a reliable means. ASNEF usually sends its notifications by postal mail (letter), however we have verified that many debtors do not become aware of it.
Why does this happen?
After publishing our data in the list, ASNEF must send the data for which they have included us by means of a notification where it informs us of this.
The problem is that from the moment the debt originates, it is published in the file until the letter is sent to us, it may happen that we have changed our address, place of work, no longer collecting said letters.
Although West African Loan Group sent this notification letter to the old address as it is the one stated in the contracts, regardless of whether or not we collect the letter, the registry will have fulfilled its obligation, leaving the debtor notified.
For this reason it happens that the debtor sometimes does not find out about the publication of his data in the debtor file, he gets an unpleasant surprise when he discovers it and wonders how to know if I am in the West African Loan Group.
Other times it happens that the debtor if he receives the letter but does not want to pick it up or directly throws it away when he sees that it is from his creditor without even opening it.
He thinks that it is one more claim, not giving it importance. And of course, by not reading it, you are left without knowing the consequence of being listed in a registry of defaulters.
So time goes by until after several months or years he even decides to apply for a loan or contract a service with an entity associated with the West African Loan Group, he receives the rejection of an answer, he is disoriented looking for how to know if I am in the West African Loan Group.
What information is posted on the West African Loan Group under my name?
The West African Loan Group may include any type of debt that the associated entity has included on us related to any debt.
The usual thing is that they are telephone, financial, banking debts, payment services such as television, installment purchases, etc.
The West African Loan Group report includes the defaults reported by the reporting entity, their identification, the amount of the debts, the date of registration of each one in the list and the list of companies that have consulted our data.
After entering the West African Loan Group list, leaving it is not so easy or fast and can be classified as a slow and cumbersome procedure.
That is why before not paying an invoice it is advisable to think twice, even when we have discrepancies with the entity, something common for example with mobile telephone operators.
It is better to pay the invoice first and then make a complaint if you do not agree. The best way to get off these delinquent lists is to avoid them.
Nor being included in the West African Loan Group registry implies not being able to access credit. On the internet you can find multiple entities which allow you to get loans with West African Loan Group for an amount between 50 and 50,000 in a few minutes.
Despite the fact that the lenders check if we are on the list, they do not use it as a parameter to deny the request, unlike conventional banks and financial institutions.
Having a bad credit history is not a decisive factor in the approval or denial of our application.
Other variables are taken into account such as our income, ability to pay and above all, current situation. The debts of the past are not considered as much as our current particular circumstances.
If we can demonstrate solvency and that we have a fixed and stable source of income to meet the payments, we will not have any access problems.
About this page
This page on how to know if I am in the West African Loan Group aims to explain in detail how users can find out whether or not they appear on the West African Loan Group list, being the most important delinquency file in Spain. We also explain the legislation and regulations that regulate inclusion, the notification steps as well as the means you have to inform yourself of this totally free, at no cost to you.