ING roadmap to challenge your BKR registration

ING almost always denies its customers a second chance, even when personal circumstances make it temporarily impossible to pay a bill. This while the bank itself has also experienced financial problems and received government support at the time. ING also wrongly places the heaviest code with the BKR, leaving customers stuck. Requesting clarification or a second chance may even result in additional codes. Unfortunately, ING often refuses to remove these wrongful BKR registrations, leading to a lot of stress and costs for legal action. This is unfair and must stop.

ING incorrectly registers customers with particularity code 3, the heaviest code with the BKR. It is also common for customers to receive fictitious documents instead of the real documents when requesting their records. It is worrisome that ING basically rejects any request for deletion, even though it violates the law and BKR rules.

As a customer, you deserve empathetic and fair treatment, especially when you have temporary financial difficulties. It is important that banks take this responsibility seriously and comply with laws and regulations. Customers should feel supported rather than punished.

Although ING Bank rejects almost all removal requests, we still recommend submitting a request. Due to the broadcast of Radar and the pressure from Stichting Onterechte BKR-registratie and Dynamiet Nederland it is expected that ING will no longer be able to reject every application. In addition, it regularly happens that ING Bank does not have its file in order and they remove the registration because of this.

It is always wise to object to an unjust or unreasonable BKR registration. You can use our sample letter to do so.

If you submitted a letter of objection and ING Bank decided not to remove the BKR registration, you have the option of taking further steps. It is wise to challenge ING Bank's decision further with the goal of still being vindicated. Under privacy laws, ING must review each file fairly and objectively. Make sure you exercise your rights and stand strong.

After a rejection by ING Bank, you may choose to initiate legal proceedings. Dynamiet is happy to look into this with you to assess whether we can assist you in this. The second option is to file a complaint with the Kifid. Like the court, the Kifid will assess whether ING Bank has made the right decision. Your entire file will be scrutinized and a decision will be made as to whose interests are more important. In a follow-up procedure you have the assurance that the case will be looked at objectively and that an independent judgement will be made. Dynamite is happy to work with you to determine which option is best for you.