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Old 06.10.2020, 13:18
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Car dealer has blocked me in ZEK register from taking any loan

Around two month ago I have found a nice used car from the small dealer.
We have applied for a loan and got an approval.
In the meantime my life situation has changed and I have changed my mind towards something less sporty and more practical.
As well other dealers did not ask for a 10% downpayment, only monthly installments.

I have called the dealer, asked for excuse, lost time, and inconvenience.
He has talked ok, but now he refuses to make a call and withdraw the credit inqiery. Just replies in WhatsApp- he is not in the country, or-do it your self, which is not possible.
This credit data is stored in ZEK until 06.2021
The Bank and ZEK refuses to delete this credit inquiry only from my call.
So I am blocked from buying any other car with a loan so far.

How can I protect my rights in this case?

Kind Regard,

Denis
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Old 06.10.2020, 13:48
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Re: Car dealer has blocked me in ZEK register from taking any loan

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Around two month ago I have found a nice used car from the small dealer.
We have applied for a loan and got an approval.
In the meantime my life situation has changed and I have changed my mind towards something less sporty and more practical.
As well other dealers did not ask for a 10% downpayment, only monthly installments.

I have called the dealer, asked for excuse, lost time, and inconvenience.
He has talked ok, but now he refuses to make a call and withdraw the credit inqiery. Just replies in WhatsApp- he is not in the country, or-do it your self, which is not possible.
This credit data is stored in ZEK until 06.2021
The Bank and ZEK refuses to delete this credit inquiry only from my call.
So I am blocked from buying any other car with a loan so far.


How can I protect my rights in this case?

Kind Regard,

Denis
A credit enquiry is just an enquiry, however if you make several it looks like there was a problem. I doubt they can remove an enquiry.
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Old 06.10.2020, 14:27
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Re: Car dealer has blocked me in ZEK register from taking any loan

fatmanfilms is into something, asking for a loan is a record by itself on the ZEK database.

It doesn't matter if the loan application was approved or rejected, if you apply too many times, some lenders may consider it risky behavior. In your case, it seems applying 1 time was the the limit. Found the explanation in Frech, use internet translation

https://www.credit-conseil.ch/blog/r...emande-credit/

Also relevant, how did you find out that you're blocked? from trying to buy another car with a loan from another seller? That rejection is also probably now on the ZEK database.
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Old 07.10.2020, 09:01
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Re: Car dealer has blocked me in ZEK register from taking any loan

Maby ive explained wrong, it works like this, ill write down an algotithm

1. A car dealer applies for a loan for you(leasing) to some bank, like Cembra for instance.
2. You recieve appoval and you are in ZEK register for a month or even a year, that you dont take another few loans at the same time.
3. Here if you change your mind and inform the dealer, he notifies the bank(cembra) and the bank notifies ZEK, that the client rejected the loan.
4.You go to step one with another dealer/bank and if they see immedietly your ZEK register and ask to delete the previous credit data.

Usually the dealer just makes a call and informs about the cancelled deal. I went through it before.

But exactly this dealer is pissed and does not want to do it.
In ZEK everything looks like im still going to buy his car.
And the deal will look open untill 06.2021 as he had not informed the bank about the cancellation.

Is there any buyers right protection or?
Thanks so much in advance, i really need to by a car for my job.
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Old 07.10.2020, 09:39
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Re: Car dealer has blocked me in ZEK register from taking any loan

Maybe you should be more precise. What is the ZEK entry?
"Offenes Kreditgesuch", "Abgelehntes Kreditgesuch/Verzicht auf Auszahlung" or something else?
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Old 07.10.2020, 12:58
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Re: Car dealer has blocked me in ZEK register from taking any loan

It is Kreditgesuch, and is stated as „status-offen“ untll 27.06.2021

Ive cancelled other credit before and the status is yet „abgelehnt“- the banks were ok with that, but not with the open one
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