Can Credit Checks be done without permission

BlueAngelCV

donny84 wrote: »

Dont jump to assumptions you moron, I paid cash for my order.

I refer you to:

donny84 wrote: »

I placed an order and used the credit they had given me, and never paid them back.

donny84 wrote: »

Shees, do you NOT listen, I NEVER asked for credit! They cannot run a credit check without permission, I never gave Jacamo permission! and certainly did not give PremierMan permission this time!

I refer you to:

Data Protection
We will make searches about you at credit reference agencies who will supply us with credit information, as well as information from the Electoral Register.

You are a criminal (and criminally supid) and I for one hope that you end up in Court.

selectasaurus

I have just had the exact same problem with them for a £19 pair of insoles from their Fiftyplus website.

Although I am earning a relatively decent amount of money, past financial mismanagement issues mean that unfortunately I do have a poor credit rating and am working hard to repair it so for them to perform a credit check without making it clear they were going to do so is unacceptable as it only harms my credit score!

I have reported them to the Financial Ombudsman for this and also my solicitor who is assisting me with various other matters relating to my credit rating.

Also, when I placed the order, there was nowhere online that gave me the option to decline and pay by debit or credit card. I had to follow through with their process and it was never made clear that a credit check was being performed.

The stupid thing is it wasn't a sofa, or a car - it was a pair of bloody shoe inserts worth £19!!!

leedsmodus

It is not a credit check, it is an unrecorded enquiry to check your identity. This has no bearing on your credit worthyness.

Tubbss

last month Jacamo ran a comp to win £500 to spend - to eneter you had to set up an account which would have involved a credit check. Needless to ay I did not enter.
http://www.jacamo.co.uk/shop/page?pageId=1872