How Dynamite Netherlands removed an unreasonable EVR Registration

The challenge: An unfair EVR registration

Our client and his parents wanted to apply for a mortgage to buy a home together. Unfortunately, the application did not go as expected. Aegon determined that a fraudulent employer's statement had been submitted by our client's father, leading to a registration in the Internal Referral Register (IVR), External Referral Register (EVR) and the Incident Register. These registrations would last eight years and would severely hamper our client's financial future, including his ability to take out a loan for his pilot training. For pilot training, this is common and in many cases necessary given the high cost!

1. Lack of evidence of intent: We emphasized that our client was not aware of his father's falsified employer statement and that he himself had no intent to act fraudulently.
2. Inconsistencies in Aegon's investigation: We pointed out Aegon's flawed substantiation, particularly its lack of evidence that our client was knowingly involved in the fraud. Indeed, the court determined in a previous ruling that an individual need not be aware that his partner would commit fraudulent acts in a mortgage application. Thus, in this case, our client also did not have to assume that his father would submit a forged employer's statement. Thus, he would not have had to check it.
3. Disproportionate impact: We argued that the registration had unreasonably severe consequences for our client, given his plans to take out a loan for pilot training. Failure to obtain this loan would severely hinder his future. He would no longer be able to pursue his pilot training given the age limit in place. This means he would no longer be able to realize his dream because of someone else's mistake. After all, he had been accepted for training. This is an opportunity that not everyone gets.