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Freedom finance - ran credit check without my permission!

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2

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  • stephane_2
    stephane_2 Posts: 3,076 Forumite
    edited 3 April at 1:58PM
    [quote=[Deleted User];discussion/4472029]Spoke to them and got a quote. I specifically said DO NOT DO A FULL CREDIT SEARCH.

    They said its ok its only a soft search. OK, so we went through it all - they said got accepted for loan with Sainsburys. Again, I said DO NOT PROGRESS IT YET - I will get back to you.

    Phoned them again today to say OK, please go ahead. Turns out a credit search was done on the day despite me saying please don't do it. Worse still even though they sent me an email saying I got accepted, they put me through to Sainsburys who told me I've been rejected!

    Unhappy that FF put me through as a credit search despite me telling them not to without my permission.

    Is there any way this can be removed from my record?[/QUOTE]

    Yes you did......read your post!!
  • cockaleekee
    cockaleekee Posts: 622 Forumite
    edited 3 April at 1:58PM
    stephane wrote: »
    You were going to apply anyway.....what difference does it make. You would have been turned down in any circumstances. One search will have no impact whatsoever....

    [quote=[Deleted User];59684513]No I wasn't.[/QUOTE]

    [quote=[Deleted User];discussion/4472029]Phoned them again today to say OK, please go ahead.[/QUOTE]

    Short term memory loss? :p
  • DCFC79
    DCFC79 Posts: 40,641 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 3 April at 1:58PM
    [quote=[Deleted User];59681959]As a company director, its sometimes awkward to get a loan. [/QUOTE]

    Does that prevent you going direct to the lender rather via Freedom Finance ?
  • stephane wrote: »
    Yes you did......read your post!!

    OK. But FF did do a search without my permission.
    And I only agreed to go ahead because FF had said it had been agreed.

    Worryingly when I spoke to Santander they had no idea about soft searches and said every application was a proper search.

    Pointing out that its wrong for FF to advertise on their website that there will be no impact on your credit record. In fact, this is complete rubbish.
  • andy.m_2
    andy.m_2 Posts: 1,521 Forumite
    This has had no impact whatsoever on your credit record.
    Sealed pot challange no: 339
  • andy.m wrote: »
    This has had no impact whatsoever on your credit record.

    Says who????
  • stephane_2
    stephane_2 Posts: 3,076 Forumite
    edited 3 April at 1:58PM
    [quote=[Deleted User];59765709]Says who????[/QUOTE]

    Everyone....one search will have no impact whatsoever...You need to take a chill pill....!
  • andy.m_2
    andy.m_2 Posts: 1,521 Forumite
    and it was a search that highlighted you wouldn't get a loan, so you weren't capable of getting the loan, you're still not capable of getting the loan, therefore no impact, relax.
    Sealed pot challange no: 339
  • Once again - if your happy for companies to mislead you and do things on your behalf when you've told them not to, then crack on and take it.
  • stephane_2
    stephane_2 Posts: 3,076 Forumite
    edited 3 April at 1:58PM
    [quote=[Deleted User];59774103]I can see that point floating way above your head here. And its going overhead, its going past, its gone.....[/QUOTE]

    Nobody cares about your credit search.....move on!
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