Jacamo gave me credit i didnt want Help please

ben4933

first, let me start of by saying i am 19 years old and for all the years growing up my parents allways told me to stay AWAY from credit cards because its a dangerous place to tread. so i have never had a credit card or any credit ever.

after seing a television advert for jacamo i thought id sign up to see what they have to offer. i was instantly THROWN £125 to spend and stated a credit check was to be done. this is where the adrenaline started to pump, what had i just done, I DIDNT WANT THIS!


im never going to be spending a single penny of that money, im one hundred percent not using a service like jacamo who just throws that sort of service in my face.

im just really worried now, will i be getting bills thrown at me left and right for this credit i have been given on jacamo.co.uk i did not enter any debit card details on there website.

will there be an agreement in the post for this credit that i can rip up in 1000 pieces?

im genuinly worried!

jonesMUFCforever

I have seen the advert - it clearly states on screen that they will credit check you before doing business with you.
You should not be worried - the fact that they have given you a credit limit means your credit 'score' must be good - some day you may need a credit card or loan or a mortgage.
If you do not place an order they cannot charge you anything - simples.

ben4933

the fact that they credit checked me is fine, my credit score will be 0 as i have never had any credit. i just REALLY do not like the idea of money being thrown at me specifically £125.

im going to contact them and ask that they remove my details from there service. it seem VERY dodgy!

please note: it may seem like i was being a !!!!!! to people who have had loans etc etc, i am very sorry. this was not my motive as i understand times are hard. TRUST ME I KNOW lol, this is my main concern because i simply do not have excess money to pay for a credit limit i never wanted

hieveryone

It is standard practice with mail order companies.

At 19 you could start to build your credit history - if you liked the site why not buy a shirt or two and pay the account off every month/every time you use it?

ben4933

owing someone something makes me vary uneasy i dont know why. perhaps its the deap down feeling of the possability of not being able to make a payment and being attacked with late charges and additional fees.

so aslong as i dont use of any of that credit, i wont be charged?

dealer_wins

You wont be charged unless you order something, and if you write a letter to them stating you wish to close your credit account, your trauma will be over.

stclair

You can simply just ask them to convert the account into a cash only account.

I would also recommend reading the t & c before registering for something.

ben4933

thank you everyone for your replies. i have no idea why but i still feel adrenaline packed and im still not sure why.

but you guys have helped me SO MUCH thank you all

dealer_wins

ben4933 wrote: »

thank you everyone for your replies. i have no idea why but i still feel adrenaline packed and im still not sure why.

but you guys have helped me SO MUCH thank you all

I think I speak for all the Loans board when I say... always a pleasure, never a chore!!

ILW

ben4933 wrote: »

thank you everyone for your replies. i have no idea why but i still feel adrenaline packed and im still not sure why.

but you guys have helped me SO MUCH thank you all

I would take up a hobby, or just get out a bit more if I were you.

ben4933

ILW wrote: »

I would take up a hobby, or just get out a bit more if I were you.

your right. the idea of thinking you owe someone money you dont have should make me want to get out more... yes, that makes perfect sense ty