Bonzo77 Posted July 17, 2011 Author Share Posted July 17, 2011 If you haven't even tried to resolve the problem, i.e. phoning the company, then I'm doubtful the Ombudsman will be too interested. seeing as you started this thread cant you answer this for yourself (my bold ):hihi: Read my opening post and you'll see why I joined them! Link to comment Share on other sites More sharing options...
Bonzo77 Posted July 17, 2011 Author Share Posted July 17, 2011 That could possibly qualify for unfair terms & conditions. Do you sign up online? Yes you do sign up online. Link to comment Share on other sites More sharing options...
Bonjon Posted July 18, 2011 Share Posted July 18, 2011 £7.99 p/m is a lot less than if someone stole your identity, i'm with them and they email me about any activity on my account. Link to comment Share on other sites More sharing options...
I1L2T3 Posted July 18, 2011 Share Posted July 18, 2011 It's a scam, nothing else to it. Why would anyone want to pay £7.99 a month to have access to their credit rating? It's not a scam. It's overpriced, plays on fear and has very precise T&Cs in the contract you take out. The other issue with this kind of service is that there are two other credit reference agencies - equifax, experian and call credit are the three - and to get a complete picture of your credit record you really need to see reports from all of them. To have the same kind of service as credit expert for all three agencies will set you back £200+ a year. The best thing to do is to make a statutory request for your report from each agency, say every quarter. That will cost you £2 per report request - £24 for the year to access your records from all three agencies on a regular basis. Link to comment Share on other sites More sharing options...
studentbob Posted July 18, 2011 Share Posted July 18, 2011 The fact that these companies exist is worrying enough - syptomatic of a society that worships money, where an individual who has fallen from grace is banished from the alter of credit. But what is possibly worse, and drowning in irony (or hypocrisy - you choose), is when they purport to be protecting you from being swindled, whilst at the same time using dubious tactics to try and extract as much money from you as possible. Link to comment Share on other sites More sharing options...
Pidgeon Posted July 18, 2011 Share Posted July 18, 2011 I had problems with them. First of all they charged me when it was spose to be free for 30 days, then when I forgot one of the 2 passwords you use, i couldn't get in to cancel the direct debits, so in the end I cancelled my card and got a new one just to stop the payments. Link to comment Share on other sites More sharing options...
scottf Posted July 18, 2011 Share Posted July 18, 2011 So your too tight to pay 5p a minute in order to cancel something thats £7.99 a month?? thats whats called a no brainer in my book- just ring them and get it cancelled and stop being tight. Yes you shouldn't HAVE to pay but it will cost u less than paying month after month and if you really want to complain then go get your 5p per minute back from them. Link to comment Share on other sites More sharing options...
Cyclone Posted July 18, 2011 Share Posted July 18, 2011 It's free to cancel a direct debit through your bank, do that and then let them contact you. Link to comment Share on other sites More sharing options...
alchresearch Posted July 19, 2011 Share Posted July 19, 2011 I find it amusing how the OP only did it to wangle £20 out of them but it cost more than £20 in hassle! Link to comment Share on other sites More sharing options...
alex3659 Posted July 19, 2011 Share Posted July 19, 2011 I find it amusing how the OP only did it to wangle £20 out of them but it cost more than £20 in hassle! I thought that myself, who was scamming who in this instance?. Link to comment Share on other sites More sharing options...
Recommended Posts
Archived
This topic is now archived and is closed to further replies.