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annualcreditreport.co.uk

edited 30 November -1 at 12:00AM in Credit Cards
4 replies 3K views
j86mesj86mes Forumite
6 posts
edited 30 November -1 at 12:00AM in Credit Cards
Hello!

Last year I signed up to annualcreditreport.co.uk on the recommendation of a friend who had been using it. Just out of curiosity to see my credit score.
It gave me little information unless I paid £5 and my friend said it was all real, a few of them used it etc. so anyway, I paid and in the end I got my credit score and thought nothing more about it.

I checked my bank, and now 1 year on, they've taken £4.97 from me. I forgot about the service. Apparently it's meant to give you free annual credit report's, so I'm not even sure of the service I'm paying for.

Anyway, the website is appalling on this, it gives you very little information about payments, cancelling your payments or subscriptions to the website or anything at all about the service it offers. I've sent an email to [email protected] about it all.

I'm so shocked at the website, giving no information at all about the service I'm signed up for or how to get out of it that I thought I'd see if anyone here could shed some light, or has had any experience like this with them?

Are they a dodgy bunch of scammers or a trustworthy company?

Thanks!

Replies

  • krisdoreykrisdorey Forumite
    3.4K posts
    Their T&C's seem to describe their services and fees

    http://www.annualcreditreport.co.uk/content/tandc.htm
  • sfaxsfax Forumite
    1.2K posts
    Very bad recommendation IMO. Spend £2 on Experian, £2 on Equifax and get your Noddle report for free. No need to pay any more than £4 to get all the information, not just a subset

    Point 8 on the link above. Oh dear
    You acknowledge that a credit report from us is not the same as the file you would receive if you exercise your statutory rights to obtain a copy of your credit file from any credit reference agency at any time upon payment of the statutory fee of £2. Further details about credit files generally can be found in the Information Commissioner's publication 'Credit Explained'.
  • krisdoreykrisdorey Forumite
    3.4K posts
    sfax wrote: »
    Very bad recommendation IMO. Spend £2 on Experian, £2 on Equifax and get your Noddle report for free. No need to pay any more than £4 to get all the information, not just a subset

    Point 8 on the link above. Oh dear

    I actually hadn't noticed that amongst the other red flag t&C's, that's quite shocking.

    However the T&C's are in plain sight, so a refund would be quite difficult.
  • Thanks for responding! Much appreciated.

    They got back to me informing me I had the Premium Annual subscription, and they have cancelled it for me with immediate effect. Thought I'd post this in case anybody else encounters the same thing!

    Won't be using them again.
    Thanks again!
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