Jacamo.. WT*?!

MrSilk

Hi Guys!

So I opened a Jacamo account 3 months ago, and they initially gave me a limit of £125 (better than nothing), they credit checked me and i thought, ok so It's there if I ever want to order from them.

Yesterday I ordered some aftershave, around £60, then today I get an email saying they wont provide credit and I must pay by card. I then called them and they said that it does say credit is subject to further checks, is this normal? Can they re-credit check you when you place an order?

I've spent 3 years improving my file, CC paid each month, £800 loan paid back on time, £2000 worth of defaults paid, 2x mobile contracts; however I'm guessing my 5 year old CCJ is still causing issues (drops off in Aug 2014).

Think I'll just buy the aftershave from Purfume Shop after all. :mad:

iancrt

More common now than it used to be. Part of being a 'responsible' lender is to run periodic checks especially on a dormant account suddenly re-used.

ruggedtoast

Are you of an extra large size?

RichL74

On their website, before you ordered, did it still say that the credit ammount was available?

Fruit_and_Nut_Case

MrSilk wrote: »

Jacamo.. W*F?!

I'm intrigued that you've asterisked the "T" of the title; surely the "F" is the naughty bit?

YorkshireBoy

MrSilk wrote: »

I then called them and they said that it does say credit is subject to further checks, is this normal? Can they re-credit check you when you place an order?

The answer, as always, can be found in the T&Cs agreed to...

We may make periodic searches of our records, credit reference and fraud prevention agencies to manage your account with us, to take decisions regarding credit, including whether to make credit available or to continue to extend existing credit.

http://www.jacamo.co.uk/shop/policies/policiesView.action?finalTarget=policies_rights&decoration=true

But it goes on to deliver some good news...

These searches will not be available to other lenders for credit assessment purposes.

MrSilk

Fruit_and_Nut_Case wrote: »

I'm intrigued that you've asterisked the "T" of the title; surely the "F" is the naughty bit?

Oops! Thanks :rotfl:

MrSilk

YorkshireBoy wrote: »

The answer, as always, can be found in the T&Cs agreed to...But it goes on to deliver some good news...

Ah, thank you

MrSilk

RichL74 wrote: »

On their website, before you ordered, did it still say that the credit ammount was available?

Yes £125 :mad:

northantsbabe

They've done this to me too!!! I'm furious, I was banking on the credit for Christmas.

BugsyBrowne

northantsbabe wrote: »

They've done this to me too!!! I'm furious, I was banking on the credit for Christmas.

You Should've started the year by putting a few quid away every week then you wouldn't have to rely on credit.