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  • GarethR
    • #2
    • 8th Oct 14, 1:12 AM
    CreditExpert Payments
    • #2
    • 8th Oct 14, 1:12 AM
    Just had a quick look back & seems I've been paying £14.99 a month for over 3 years now. Will be making a call tomorrow!!

    Will keep you posted how I get on.
    Official DFW Member 587
    • Nasqueron
    • By Nasqueron 8th Oct 14, 10:44 AM
    • 4,047 Posts
    • 2,335 Thanks
    Nasqueron
    • #3
    • 8th Oct 14, 10:44 AM
    • #3
    • 8th Oct 14, 10:44 AM
    Don't pay them anything, the "service" they offer is meaningless, as is your credit score - they don't lend you money so what they score you is irrelevant, plus lenders see stuff like your salary which the credit agencies don't.

    If you need to check just get the £2 report
  • aw115
    • #4
    • 8th Oct 14, 11:48 AM
    • #4
    • 8th Oct 14, 11:48 AM
    I've just come off the phone from Experian having read the latest money tips and realising that I've been paying £14.99 a month for 2 years with NO idea that there was an insurance product in that package. I pay £7.99 a month to AMEX for ID fraud protection insurance, so I wouldn't knowingly have been paying twice.

    I got the standard response from Experian as it seems they've been taking increasing numbers of calls about this (shock horror!). They now have a dedicated complaints team to deal with this. I was asked if I wanted to raise a "query" or a "complaint", I chose complaint. Guy I spoke to couldn't discuss it further (apart from confirm that there is now no insurance element to my subscription) and someone will write to me within 5 working days, or give me a call to discuss.

    Will report back when I hear something!
  • scratz
    • #5
    • 8th Oct 14, 11:49 AM
    Question
    • #5
    • 8th Oct 14, 11:49 AM
    Do I need to be an existing Experian subscriber? I want to cease my subscription but will this mean I can't claim back these payments?
    • chanz4
    • By chanz4 8th Oct 14, 12:42 PM
    • 9,882 Posts
    • 2,873 Thanks
    chanz4
    • #6
    • 8th Oct 14, 12:42 PM
    • #6
    • 8th Oct 14, 12:42 PM
    this is really funny, I contacted mse via twitter months ago and got told togo away about this very issue.
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • debsbow
    • #7
    • 8th Oct 14, 1:25 PM
    No Idea
    • #7
    • 8th Oct 14, 1:25 PM
    I was with credit expert and looking back on online statements have been since 2011. I was never told it covered insurance and only cancelled recently too. Will be making my phonecall too😕
    • Nasqueron
    • By Nasqueron 8th Oct 14, 3:12 PM
    • 4,047 Posts
    • 2,335 Thanks
    Nasqueron
    • #8
    • 8th Oct 14, 3:12 PM
    • #8
    • 8th Oct 14, 3:12 PM
    Do remember this is not a scheme like PPI where miss-sale has been court tested, it is a new MSE campaign - if you wish to cancel Experian fees you should do so (as it's a waste of money even ignoring the insurance) but read the MSE article if you want to try and get old fees back
    • chanz4
    • By chanz4 8th Oct 14, 3:35 PM
    • 9,882 Posts
    • 2,873 Thanks
    chanz4
    • #9
    • 8th Oct 14, 3:35 PM
    • #9
    • 8th Oct 14, 3:35 PM
    not new its been battered about for a while, mse just decided to take it on
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
    • Nasqueron
    • By Nasqueron 8th Oct 14, 5:04 PM
    • 4,047 Posts
    • 2,335 Thanks
    Nasqueron
    chanz4 - what I mean is, there is no proven case like the PPI scheme - just ad hoc complaints from people who may get the £5 insurance fee refunded if you ask nicely
    • fermi
    • By fermi 10th Oct 14, 9:06 AM
    • 39,274 Posts
    • 47,103 Thanks
    fermi
    Mentioned here at least: http://forums.moneysavingexpert.com/showthread.php?t=4981073
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com

    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
    • rizla king
    • By rizla king 14th Oct 14, 3:19 PM
    • 2,836 Posts
    • 1,892 Thanks
    rizla king
    About time.
    Still rolling rolling rolling...... <----- SIGNATURE - Not part of post
  • Former MSE Leigh
    Hi guys,

    As the Experian CreditExpert guide has been soft launched I am really keen to get feedback from people who have complained about the product.

    Has anyone contacted Experian on this thread? And have we had any responses? Has anyone taken this forward to the Ombudsman?

    Thanks,

    MSE Leigh
    • Alexbr0gan
    • By Alexbr0gan 29th Nov 14, 12:14 PM
    • 4 Posts
    • 0 Thanks
    Alexbr0gan
    Experian Credit Expert Complaint
    Hi,

    After publication of the MSE article on Experian Credit Expert i noticed that I have been paying for this 'add-on' for over a year and I contacted Experian to raise a complaint.

    I spoke to one advisor, who told me they have had many phone-calls relating to this issue, and asked if i wanted to raise a query or complaint. I proceeded with a complaint, and he transferred me through to another advisor to log my concerns.

    I was given the bumph about how they will investigate and get to me within 8 weeks, and Ive just received a letter today after 7 weeks of making the complaint. They basically said that there are 4 other cases that are exactly the same with the Ombudsman and that they would like me wait for another 12 weeks without going to the Ombudsman until they get the verdict from the other 4 existing cases. They said, for now, they will reject my complaint and issue my final response letter however have included a clause to say that they will re-open the case in 12 weeks time to re-consider if i didn't go to the FOS.

    I think I will be using my rights to take the case to the FOS immediately, as they have had more than enough time to investigate their own failings.
    • chanz4
    • By chanz4 29th Nov 14, 4:31 PM
    • 9,882 Posts
    • 2,873 Thanks
    chanz4
    I got a rejection letter from experian today saying they are also awaiting on the result to the x4 people that have already taken it there. We should all take it to the fos, ignore there can we wait an extra 12 weeks as since when do they treat us fair when they are recording false data.
    Last edited by chanz4; 29-11-2014 at 4:57 PM.
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • Hev83
    I sent a letter of complaint to Credit Expert on 8th Oct using the template letter provided. I received two acknowledgements from them stating that it was taking them longer to deal with my claim.

    I eventually received a response on Saturday 29th Nov rejecting my complaint and refusing to give me a refund. The letter stated that 4 other complaints had been escalated to the Ombudsman and they provided a link to the ombudsman's website showing the outcome of one of those complaints. The outcome working in Credit Expert's favour of course.

    It therefore doesn't look like this is going to work unfortunately but if anybody is successful I would like to know.

    I did ask them to remove the insurance element from my membership however I am still being charged £14.99. I presume from what I have read, that the subscription no longer includes the insurance however they can still charge us as if it does.
  • Former MSE Leigh
    Hi Hev83.

    Would you be able to send me the link you received. I wouldn't mind taking a look at it.

    Thanks,

    Leigh
    • rizla king
    • By rizla king 2nd Dec 14, 12:07 PM
    • 2,836 Posts
    • 1,892 Thanks
    rizla king
    Wonder if they are referring to this? http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=36802 cant find anything else on this subject there.
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  • Hev83
    Hi Leigh


    The link above is the ombudsman decision they were referring to. Do you think it is still worthwhile taking my complaint to the ombudsman or am I likely to just receive the same response?


    Also can someone please clarify whether or not the membership fee should still be £14.99? I would have thought if they were no longer including the Fraud protection insurance then this would reduce the membership fee by £6.40?
    • rizla king
    • By rizla king 3rd Dec 14, 12:30 PM
    • 2,836 Posts
    • 1,892 Thanks
    rizla king
    Very very much worth continuing to the Ombudsman. All the way if needed. Do not wait.

    Giving you that link is deceptive smoke and mirrors by Experian.

    1. It is an old decision not based on the quite same thing. 2. The FOS looks at each case on its own merits and decides what is fair. What one person decided in that case all the way back in 2012 has zero relevance to any decision the FOS can or will make now.

    Think of it this way. If that decision made things a forgone conclusion then the FOS wouldnt be taking their time looking at the 4 current ones.

    It is basically Experian trying to cynically put you off complaining in the same way they have tried every other desperate tactic to bury this issue.
    Still rolling rolling rolling...... <----- SIGNATURE - Not part of post
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