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Equifax Taking Money Out of My Bank Account
JoshiF
Posts: 2 Newbie
Yes, hello! And here is my story:
In 2011, like few others on this website, I took out a "Cashback" Trial with Equifax over one month. I cancelled the Trial after obtaining my Credit Reference as the freebie, and before the month trial ended.
Yet this year (2012), Equifax have started taking money out of my bank account without any agreement with me! They have taken out a payment of £2.99 each of the last two months -- almost as if it's some kind of Direct Debit thing. I believe they are using details of my Debit card, which I gave in January 2011 to get their Free credit reference and trial.
Is this legal? Can they really keep sensitive personal data on their systems when the original "relationship" was officially finished? And, what can I do about getting my money back. Is there compensation for this?
In 2011, like few others on this website, I took out a "Cashback" Trial with Equifax over one month. I cancelled the Trial after obtaining my Credit Reference as the freebie, and before the month trial ended.
Yet this year (2012), Equifax have started taking money out of my bank account without any agreement with me! They have taken out a payment of £2.99 each of the last two months -- almost as if it's some kind of Direct Debit thing. I believe they are using details of my Debit card, which I gave in January 2011 to get their Free credit reference and trial.
Is this legal? Can they really keep sensitive personal data on their systems when the original "relationship" was officially finished? And, what can I do about getting my money back. Is there compensation for this?
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Comments
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The payments are for identity watch. Its a service you signed up to when you initially signed up with Equifax and for the first 12 months its free after that there is a monthly charge. You just need to contact them and cancel it.0
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Let's look at your questions in turn...
Yes. As mentioned above, you agreed to it.Is this legal?
Yes they can keep data as long as necessary. Anyway, the relationship hasn't finished.Can they really keep sensitive personal data on their systems when the original "relationship" was officially finished?
You may not be able to get your money back, but to avoid spending any more, cancel your agreement as described on their website.And, what can I do about getting my money back.
No, don't worry. You will not be required to pay any compensation for your mistake.Is there compensation for this?0 -
Yes, hello! And here is my story:
In 2011, like few others on this website, I took out a "Cashback" Trial with Equifax over one month. I cancelled the Trial after obtaining my Credit Reference as the freebie, and before the month trial ended.
Yet this year (2012), Equifax have started taking money out of my bank account without any agreement with me! They have taken out a payment of £2.99 each of the last two months -- almost as if it's some kind of Direct Debit thing. I believe they are using details of my Debit card, which I gave in January 2011 to get their Free credit reference and trial.
Is this legal? Can they really keep sensitive personal data on their systems when the original "relationship" was officially finished? And, what can I do about getting my money back. Is there compensation for this?
What makes you think you are entitled to compensation for something so trivial? Jeeze!0 -
OP, you may be interested to see this thread.
You are not alone.
Should also give you hope of getting a refund.0 -
No, don't worry. You will not be required to pay any compensation for your mistake.This bit I liked. :rotfl::rotfl::rotfl:
Me too!:rotfl:Don't put it DOWN; put it AWAY"I would like more sisters, that the taking out of one, might not leave such stillness" Emily Dickinson
Janice 1964-2016
Thank you Honey Bear0 -
Equifax are the most sneaky and disreputable company I have come across and that's saying something.
Anyone who has ever contacted them or used one of their services should be aware of these tricks. You can ask them to discard any data they hold on you under the Data Protection Act. If you signed up to a free trial or the statutory credit report then you do not have any relationship with them.0 -
Not too sure on how you came to that conclusion.angel_islington wrote: »If you signed up to a free trial or the statutory credit report then you do not have any relationship with them.0 -
Not too sure on how you came to that conclusion.
Quite easily. You had a relationship. When the trial ended or you received your report that relationship ended with it. I used to have an account with Vodafone, the contract ended. According to your logic I still have a relationship with them.0 -
My logic?angel_islington wrote: »Quite easily. You had a relationship. When the trial ended or you received your report that relationship ended with it. I used to have an account with Vodafone, the contract ended. According to your logic I still have a relationship with them.
I offered no logic.
It may well have been the intention of the applicant that the relationship ended at the end of the free trial, but that isn't necessarily what they signed up to.
People who take out free trials have been known to agree to a relationship beyond the end of the free trial.
This is clearly the case being discussed in this thread, isn't it?0
This discussion has been closed.
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