Quick Credit Score - is this a scam, or fraud?

MuddledOfMiddlesex

Has anyone else had dealings with these people? I haven't found a reference on the forums but this is really odd.

Last Saturday, I received a letter to my home address from a company called Quick Credit Score saying requested a credit score report/trial membership. It said they were writing to me as the detals they'd sent by email appear not to have gone through.

Yet I have never attempted to do this. When I logged in, I found an email address I didn't recognise, plus a phone number that was similar but not identical to my mobile number.

I emailed them saying I was concerned someone had my details and were trying to access my credit score for fraudulent purposes. I explained that no date of birth had been entered, and I couldn't access my 'report' because password reset details were sent to this mysterious email address.

Today I got a response saying:


Dear xxx

Thank you for your email received on 28 April 2012.

Please find below an explanation of how you became enrolled in a membership with Quick Credit Score.

Your membership record indicates that you agreed to a free 10 days trial membership of Quick Credit Score when you searched online for your credit report. To become a member you have to physically input your details in the empty field provided and this includes your payment card details.

Additionally, by enrolling in the trial membership, you agreed and acknowledged that after the trial membership period, you would be billed £14.95 for the monthly programme fee.

A welcome e-mail was sent to the e-mail address you provided at the time of enrolment. This e-mail would have also explained the terms of the membership as well as the benefits you are entitled to.

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

Yours sincerely,



Abdi Malik
Customer Service

I never did this -and the email address they claim belongs to me is clearly some kind of hotmail made up address with lots of numbers and letters - but it worries me that somehow a fraudster has my card details. I've searched online and found a reference to other people having the same experience - but only noticing months later after they've been billed over and over again.:(

I emailed back to say:

Dear Mr Malik,

With respect, you appear not to have read my email of complaint. The email address given is not one I have ever used, or recognise, and the phone number is similar but not identical. I definitely did not enrol for membership, unless my details were fraudulently captured during another transaction OR someone has intercepted my post. I did log in on Saturday to your site after I received the letter and realised someone had done it on my behalf. When it asked for a password, I requested a reminder but it was clearly sent to the mysterious email address.


You do not appear to be taking my complaint seriously. Please can you tell me whether you are regulated by the FSA or a similar body so I can take it up with them or write me a proper response this time. This is a very grave matter for me as my identity may be under attack, especially if anyone has accessed my credit report. Can you tell me if this has ever been downloaded or accessed as I have not done so. It is disturbing that a stranger with my address but not my date of birth, phone number or email address could potentially see all my financial commitments.

Yours sincerely,
Muddled

abbeycourt

You have PM

maninthestreet

So, have they billed your credit card?

MuddledOfMiddlesex

They've finally emailed back - no apology but have said that the account was opened, my entire credit history was downloaded, and then the account cancelled on the same day. The credit card number is nothing to do with me - yet someone was able to do this with only my name and address.

Now I will be passed on to their 'Victims of Fraud' department - and I am expected to send even more of my personal information through email. They don't explain what will happen to it. No idea what to do but it's very worrying.

Should I be reporting this to my bank, to the police? Anyone know?

JohalaReewi

Have a look here...
http://uk.answers.yahoo.com/question/index?qid=20120320111029AAZ9rbJ

Quick credit score is a service run by Adaptive Affinity Limited of Edgware

http://www.consumerdeals.co.uk/adaptiveaffinity.html

They sound like they are on the dodgy side of legitimate.
I wouldn't be sending them any personal information.
Has anything been billed to your credit card?

MuddledOfMiddlesex

Thank you - those links are frightening. How can they be allowed to do this?

I do think they are slightly different issues - this is definitely fraud as they don't have my credit card details - so someone used their card to get access to my financial info, before cancelling the account.

JohalaReewi

MuddledOfMiddlesex wrote: »

...so someone used their card to get access to my financial info, before cancelling the account.

That is what you are being told but is it true?

Last Saturday, I received a letter to my home address from a company called Quick Credit Score saying requested a credit score report/trial membership. It said they were writing to me as the detals they'd sent by email appear not to have gone through.

said that the account was opened, my entire credit history was downloaded, and then the account cancelled on the same day

I will be passed on to their 'Victims of Fraud' department - and I am expected to send even more of my personal information through email

The initial contact was out of the blue from them to you. They seem to have turned this into a situation where you now provide information to them? Seems a bit dodgy.

Quick Credit seem to get their data from CallCredit aka Noddle.
https://www.quickcreditscore.co.uk/shopcustcontact.asp

You can sign up with Noddle for free and see what information CallCredit hold about you (it won't be very much).
http://www.callcredit.co.uk/

Consequently you will be able to judge how much of your personal information may have been downloaded.

Perhaps you might want to consider:-
1. Make sure nothing strange pops up on your credit card or bank account.
2. Don't give Quick Credit any personal data (or the time of day)
3. Maybe sign up with Noddle
4. Keep calm and carry on.