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Pulled my credit report without permission
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Brassic
Posts: 557 Forumite
Hi all, long time no speak! The joys of a new job and 3 kids :rolleyes:
A company that I phoned to request a catalog from have done a credit check and subsequently declined me credit. I did not know they were going to credit check me, I certainly did not give my permission, and I am very concerned/cross.
What is my best course of action?
TIA,
Brassic
A company that I phoned to request a catalog from have done a credit check and subsequently declined me credit. I did not know they were going to credit check me, I certainly did not give my permission, and I am very concerned/cross.
What is my best course of action?
TIA,
Brassic
Debts @ lightbulb moment (13/06/2006) - £59,842.23 :eek: All commercial debts now clear!!! :T Debts April - £20,000 to family (incl extra £10k borrowed for house deposit). DFD - Aug 2014
Proud to be dealing with my debts
Goal of the month - £500 on groceries for family of 5 - Apr 2011 - £620!
May - £454.85 so far.
Proud to be dealing with my debts
Goal of the month - £500 on groceries for family of 5 - Apr 2011 - £620!
May - £454.85 so far. 0
Comments
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Hi brassic - unfortunately you don't have to give your permission for a potential creditor to run a credit check on you. They do it as a matter of course, and it's probably written into the small print that all applications are subject to status.
Still makes you mad though, doesn't it? :mad: :mad:I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
I didn't apply though - I asked for a catalog - in actual fact the only reason I asked for a catalog was so that I could be entered into their prize draw - something which I made clear on the phone. I was never informed that I was applying for an account - I never requested to apply for an account, I just asked for a catalog.
BrassicDebts @ lightbulb moment (13/06/2006) - £59,842.23 :eek: All commercial debts now clear!!! :T Debts April - £20,000 to family (incl extra £10k borrowed for house deposit). DFD - Aug 2014
Proud to be dealing with my debts
Goal of the month - £500 on groceries for family of 5 - Apr 2011 - £620! May - £454.85 so far. 0 -
I didn't apply though - I asked for a catalog - in actual fact the only reason I asked for a catalog was so that I could be entered into their prize draw - something which I made clear on the phone. I was never informed that I was applying for an account - I never requested to apply for an account, I just asked for a catalog.
Brassic
They would probably say, in their defence, that the mere fact of asking for the catalogue implies that you are 'applying' for an account.
On the details of the 'prize draw' did it state 'No Purchase Necessary'? If it did, then write to them and demand to be entered into the draw.I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
You could try writing to complain....
Total 'Failed Business' Debt £29,043
Que sera, sera.
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brassic this happened to me and they oppened an account as i was 'accepted' this account has now been sat empty from the day they processed it and they have no credit agreement for it as i have it here unsigned, i hate catalogues they are a world unto there own... i would do as i_a says write and complain, i would
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