Highcreditscore.co.uk & rewardsnow.co.uk [TEXT DELETED BY FORUM TEAM]

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  • subbyTNA
    subbyTNA Posts: 1 Newbie
    edited 15 February 2011 at 5:21PM
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    [TEXT DELETED BY FORUM TEAM]
    anyone with facebook might want to go here to discuss things further. I've set up a page for people to tell how they were mis-led and to discuss ways of getting their money back. If you search facebook for the rewardsnow url you will find my page
  • Fyffes
    Fyffes Posts: 126 Forumite
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    I have an update on this.

    Today the crooks have emailed me and agreed to refund the money they stole from my account a few weeks ago.

    This was after I'd absolutley bombarded them with emails threatening the involvement of the OFT unless they provided legally binding proof that I enrolled with their company. I explained that template letters and unaddressed "welcome emails" would not stand up in court.

    I also informed them that I would be filing a complaint regarding their violation of the Data Protection Act when they sent me an email addressed to somebody I hadn't heard of.

    I have no idea which of these things spooked them into refunding the money but something clearly did the trick as they had previuosly been absolutley adamant that I was not entitled to any refund.

    It is my opinion that this vile company would absolutely NEVER have given me a refund unless they realised that they had no choice and that they are fully aware that they are operating illegally.

    As stated earlier in this thread, I will be continuing to do everything I can to help take these scumbags down. Refund or no refund, this bunch of con artists should not be allowed to profit from breaking the law at the expense of decent folk like us.

    I want to see each and every unscrupulous employee at that company on the dole. Let's hope somebody steals £39.90 from their first giro.
  • mccawpa
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    Dear Mr McCaw,

    Thank you for your email received on 17 January 2011.

    To clarify, Credit Score Matters and Rewards Now are two separate services with separate terms and conditions and independent membership fees. They are used via different websites using different membership IDs. Two separate welcome emails were sent to you advising of these details.

    Therefore, as both memberships are independent from each other you must send specific requests to cancel each membership. As you failed to do this your request for a refund has been declined.

    If you have any queries now or in the future, please feel free to contact Credit Score Matters by telephone or email during normal office hours (Mon-Fri 9am-5pm) using the contact information provided below.

    Yours Sincerely

    Carl Green
    Customer Services Representative
    On behalf of Credit Score Matters


    ok they sent me this, any idea how I can respond to them?

    Fyffes, I'd be particularly interested in getting some templates you use to send them if you don't mind?

    Have you any way of sending my your email so I can correspond in private?


    thanks
    Paul.
  • Rebecca33
    Rebecca33 Posts: 2 Newbie
    edited 17 February 2011 at 1:38PM
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    I too have been involved in [TEXT DELETED BY FORUM TEAM]
    CREDITSCORE.
    HIGHCREDITS
    REWARDSNOW
    I registered with Credit Expert.co.uk for 30 days free trial and then £7.99 a month.
    I believed this to be a secure site and so I entered my card details.
    When my credit card statement came in I noticed these three companies above took £19.95 each from my account.
    I did NOT register with any of these companies.
    I only issued my details once to Credit Expert.co.uk

    After contacting Credit Score they advised me that the three companies above are all one company and refunded me £19.95 as a good will gesture but refused to refund the other £39.90.
    I don’t know how they managed to get into my details but I certainly did not register or give them my details. They somehow managed to get them through my registering with Credit Expert.co.uk

    I made another phone call and was told a lady by the name of
    China Brown would phone me back asap and a week later I am still waiting on her call.
    I have had to cancel my credit card due to all this
  • j-lo_00b
    j-lo_00b Posts: 2 Newbie
    edited 17 February 2011 at 1:39PM
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    Rebecca33 wrote: »
    I too have been involved in [TEXT DELETED BY FORUM TEAM]
    CREDITSCORE.
    HIGHCREDITS
    REWARDSNOW
    I registered with Credit Expert.co.uk for 30 days free trial and then £7.99 a month.
    I believed this to be a secure site and so I entered my card details.
    When my credit card statement came in I noticed these three companies above took £19.95 each from my account.
    I did NOT register with any of these companies.
    I only issued my details once to Credit Expert.co.uk

    After contacting Credit Score they advised me that the three companies above are all one company and refunded me £19.95 as a good will gesture but refused to refund the other £39.90.
    I don’t know how they managed to get into my details but I certainly did not register or give them my details. They somehow managed to get them through my registering with Credit Expert.co.uk

    I made another phone call and was told a lady by the name of
    China Brown would phone me back asap and a week later I am still waiting on her call.
    I have had to cancel my credit card due to all this

    Hi I also found this out today myself! I too signed up with credit expert at the nd of november. I checked my internet banking statements today and rewards.co.uk and quickdreditscore.co.uk both have taken 14.95 each on the 9th dec and 10th january! I checked all my history on my pc and my email which i never delete and it showed NOTHING. thats because i ordered exactly nothing from them. I'd too like to think I am a cautious shopper and believed redit expert was a reputable site and trusted making a non-paypal payment to them!

    I phoned the bank (lloyds tsb)and they cancelled my card and are issuing me a new pin number and gave me complimentary access
    to id safe as they said i have been a victim of fraud and now have my details. they also said they have had over 100 complaints in the last week due to these companies and they are indeed a dodgy site linked to credit expert reports and they too cancelled that.

    it might only be £80.00 in all but im fuming that I can no longer trust any sites whatsoever, my trust has been shattered to ever purchase anything over the net again! The advisor told me that it may damage my credit score too- the thing i tried to protect in the first place. I have to call debit card queries tommorow and they said i should be able to get my money back.

    This is not on, that companies can dip their greedy hands in your account when ever it suits them! Id completely understand if i had infact signed up for anything and recieved a service, but i havent and i think everyone affected by this company needs to get awareness of this raised and onto watchdog so we can take these robbing frauds down!
  • Fyffes
    Fyffes Posts: 126 Forumite
    edited 18 January 2011 at 5:53PM
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    I bombarded this company with dozens of emails and threw everything but the kitchen sink at them. I've tried to pick out the best bits and created a letter which pretty much covers everything I hit them with.

    I must admit that the tone of my own correspondence was often not as polite as my letter below but I felt it was important that I didn't include anything libelous with this draft. I'm sure you can imagine the type of accusations I hurled at them. Let's just say that most of my emails didn't begin with "Dear Sir/Madam".

    I am by no means an expert at this type of thing but all I can do is show everyone what worked for me and resulted in Rewardsnow giving me a refund. I must remind you all that there is a possibility that nothing in this letter actaully made them back down. Perhaps they did it to stop the bombardment or maybe it was because they sent me an email addressed to somebody else and realised they could get into trouble for doing it.

    I would always advise you to harass them by visiting their site and clicking on "contact us" at the bottom of their home page. When you fill in their complaint form, you receive an automated email (check out your spam) stating that they will respond within 48 hours. Because of this automated email, they do tend to reply whereas they like to ignore direct emails. They have a policy of replying to general emails by sending you a template response and then ignoring your reply because they feel they have answered your query. Raising a new "internal" complaint each and every time you contact them gets a response every time. I personally sent the same emails to each and every email address that had been in contact with me throughout the matter as well as the internal complaint facility.

    Anyway, here's what I came up with. The emphasis is very much on challenging them to prove you have enrolled with Rewardsnow. They may be able to, but they may not. It's worth a try in my opinion. I hope it's of use to somebody:

    Dear Sir/Madam.

    I am writing to you today in order to ascertain the reasons behind money being taken from my bank account/credit card by Rewardsnow.co.uk without my permission.

    I have never heard of Rewardsnow.co.uk and have at no point enrolled with your company. Therefore, I wish to request your evidence of any enrollment which you consider to be legally valid.

    Please be aware that legally valid evidence does not consist of vague template emails or any copies of non specific documentation devoid of the name of the addressee or membership/reference numbers. I wish to see all documentation referring to this "membership" and reserve the right to issue your company with a Subject Access Request if you fail to do so.

    It is essential that you are aware that I will begin legal proceedings against your company unless you provide legally binding evidence of any enrollment which you believe has given you the right to withdraw money from my bank account/credit card without my express permission.

    I also request an immediate full refund of £XX.XX to my bank account/credit card as well as confirmation of cancellation of any "account" held in my name. Furthermore, I request a full written apology and your assurances that there will be no further withdrawals at any point in the future.

    Please provide me with full details of your official complaints procedure as I wish to begin the process of escalating this matter to the authorities which regulate your industry. I will ultimately be providing the Office of Fair Trading and the Financial Ombudsman with details of your handling of my complaint which may result in action being taken against your company. I wish to state that it will not suffice if you deal with this request by simply supplying an address to which I should direct my complaint. I am within my rights to request a copy of your official complaints procedure and therefore expect you to deal with my request appropriately.

    Failure to adhere to any of the above requests (which are all perfectly legitimate) will be recorded and provided to the relevant authorities in due course along with copies of all correspondence between myself and you company.

    I believe it is reasonable to expect your response within 48 hours.

    Sincerely

    Fyffes xx
  • mccawpa
    Options
    I've just found out I've had 80 pound more taken from my account and I've had to cancel my cards today with the bank....this is getting worse and worse :(
  • j-lo_00b
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    Fyffes wrote: »
    I bombarded this company with dozens of emails and threw everything but the kitchen sink at them. I've tried to pick out the best bits and created a letter which pretty much covers everything I hit them with.

    I must admit that the tone of my own correspondence was often not as polite as my letter below but I felt it was important that I didn't include anything libelous with this draft. I'm sure you can imagine the type of accusations I hurled at them. Let's just say that most of my emails didn't begin with "Dear Sir/Madam".

    I am by no means an expert at this type of thing but all I can do is show everyone what worked for me and resulted in Rewardsnow giving me a refund. I must remind you all that there is a possibility that nothing in this letter actaully made them back down. Perhaps they did it to stop the bombardment or maybe it was because they sent me an email addressed to somebody else and realised they could get into trouble for doing it.

    I would always advise you to harass them by visiting their site and clicking on "contact us" at the bottom of their home page. When you fill in their complaint form, you receive an automated email (check out your spam) stating that they will respond within 48 hours. Because of this automated email, they do tend to reply whereas they like to ignore direct emails. They have a policy of replying to general emails by sending you a template response and then ignoring your reply because they feel they have answered your query. Raising a new "internal" complaint each and every time you contact them gets a response every time. I personally sent the same emails to each and every email address that had been in contact with me throughout the matter as well as the internal complaint facility.

    Anyway, here's what I came up with. The emphasis is very much on challenging them to prove you have enrolled with Rewardsnow. They may be able to, but they may not. It's worth a try in my opinion. I hope it's of use to somebody:

    Dear Sir/Madam.

    I am writing to you today in order to ascertain the reasons behind money being taken from my bank account/credit card by Rewardsnow.co.uk without my permission.

    I have never heard of Rewardsnow.co.uk and have at no point enrolled with your company. Therefore, I wish to request your evidence of any enrollment which you consider to be legally valid.

    Please be aware that legally valid evidence does not consist of vague template emails or any copies of non specific documentation devoid of the name of the addressee or membership/reference numbers. I wish to see all documentation referring to this "membership" and reserve the right to issue your company with a Subject Access Request if you fail to do so.

    It is essential that you are aware that I will begin legal proceedings against your company unless you provide legally binding evidence of any enrollment which you believe has given you the right to withdraw money from my bank account/credit card without my express permission.

    I also request an immediate full refund of £XX.XX to my bank account/credit card as well as confirmation of cancellation of any "account" held in my name. Furthermore, I request a full written apology and your assurances that there will be no further withdrawals at any point in the future.

    Please provide me with full details of your official complaints procedure as I wish to begin the process of escalating this matter to the authorities which regulate your industry. I will ultimately be providing the Office of Fair Trading and the Financial Ombudsman with details of your handling of my complaint which may result in action being taken against your company. I wish to state that it will not suffice if you deal with this request by simply supplying an address to which I should direct my complaint. I am within my rights to request a copy of your official complaints procedure and therefore expect you to deal with my request appropriately.

    Failure to adhere to any of the above requests (which are all perfectly legitimate) will be recorded and provided to the relevant authorities in due course along with copies of all correspondence between myself and you company.

    I believe it is reasonable to expect your response within 48 hours.

    Sincerely

    Fyffes xx

    Thank you for that Fyffes I will keep a copy of your template which I might just be possibly using in the future! It sounds as though these greedy twits for lack of a better word are very reluctant to part with the money they stole from us in the first place.

    It is in my understanding that some complainants had infact signed up for something they werent fully informed about. Did you sign up to the site itself? Did you contact your bank? I only ask because I did not, i only signed up to experian and my bank debit card disputes team which I spoke to today said the money would be refunded into my bank account in the next 2-3 days and they would handle the matter. I did fill out a complaint to consumer direct.

    I am not sure where to go with this as I recieved a reply stating they had cancelled my 'membership' first time i had recieved such an email from them in my inbox (wasnt in junk folder), but im guessing because they have my email address from my complaint they would use this as an excuse to send a cancellation of membership email to me. Having said that they wouldnt have gotten another penny off me anyway since my debit card was cancelled and destroyed last night.

    To me its not the money its the principle of it. I am still dumbfounded as to how I became a member to something ive never seen and never registered for.
  • Fyffes
    Fyffes Posts: 126 Forumite
    edited 17 February 2011 at 1:36PM
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    I signed up for a credit score. I did not sign up for Rewardsnow (even though they claim I did).

    I didn't go to my bank because I work the same hours as they open so it was always going to be a last resort. I chose to hound them instead and it seemed to work. I'd imagine they will ignore any bombardment of emails but I presume I've stumbled across their achilles heel which led them to apologise and refund the money they stole. I only wish I knew exactly what it was.

    The refund has arrived in my bank today. I've left them alone until now but since I have my money back I'm going to go on the offensive again. They probably know that most people are content to walk away once they have their refund. [TEXT DELETED BY FORUM TEAM]
    J-lo you need to demand proof of your "enrollment" with them. [TEXT DELETED BY FORUMT TEAM] In my opinion, the first thing any judge would ask them is "can you prove that the claimant received this email?".

    They obviously can't do this. Saying "we sent it" simply doesn't suffice. It's no coincidence that Rewardsnow don't include a link in their "welcome email" which reputable companies always use before activating accounts. [TEXT DELETED BY FORUM TEAM]
  • Fyffes
    Fyffes Posts: 126 Forumite
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    mccawpa wrote: »
    I've just found out I've had 80 pound more taken from my account and I've had to cancel my cards today with the bank....this is getting worse and worse :(

    Demand it back and make it clear that you will never ever stop until they refund your account.
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