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Experian CreditExpert reclaiming article

edited 2 October 2014 at 9:43AM in Reclaiming mortgage fees, council tax, etc
190 replies 85.2K views
Former_MSE_LeighFormer_MSE_Leigh Former MSE
6 Posts
edited 2 October 2014 at 9:43AM in Reclaiming mortgage fees, council tax, etc
This discussion relates to the new...

Reclaim Experian CreditExpert guide

Please click reply to discuss, comment and report any successes and failures.
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Replies

  • GarethRGarethR Forumite
    242 Posts
    Part of the Furniture Combo Breaker
    Just had a quick look back & seems I've been paying £14.99 a month for over 3 years now. Will be making a call tomorrow!!

    Will keep you posted how I get on.
    Official DFW Member 587 :T
  • NasqueronNasqueron Forumite
    7.7K Posts
    Don't pay them anything, the "service" they offer is meaningless, as is your credit score - they don't lend you money so what they score you is irrelevant, plus lenders see stuff like your salary which the credit agencies don't.

    If you need to check just get the £2 report
    “the concept of a United States of Europe is right.” Winston Churchill 1930
    “I think that the Government are right to apply to join the European Economic Community...” -Winston Churchill 1961
    “The future of Europe if Britain were to be excluded is black indeed.”[FONT=&quot][FONT=&quot][FONT=&quot] - Winston Churchill 1963
    [/FONT][/FONT][/FONT]
  • aw115aw115 Forumite
    1 Post
    I've just come off the phone from Experian having read the latest money tips and realising that I've been paying £14.99 a month for 2 years with NO idea that there was an insurance product in that package. I pay £7.99 a month to AMEX for ID fraud protection insurance, so I wouldn't knowingly have been paying twice.

    I got the standard response from Experian as it seems they've been taking increasing numbers of calls about this (shock horror!). They now have a dedicated complaints team to deal with this. I was asked if I wanted to raise a "query" or a "complaint", I chose complaint. Guy I spoke to couldn't discuss it further (apart from confirm that there is now no insurance element to my subscription) and someone will write to me within 5 working days, or give me a call to discuss.

    Will report back when I hear something!
  • scratzscratz Forumite
    1 Post
    Do I need to be an existing Experian subscriber? I want to cease my subscription but will this mean I can't claim back these payments?
  • chanz4chanz4 Forumite
    10.6K Posts
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    Forumite
    this is really funny, I contacted mse via twitter months ago and got told togo away about this very issue.
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • debsbowdebsbow Forumite
    1 Post
    I was with credit expert and looking back on online statements have been since 2011. I was never told it covered insurance and only cancelled recently too. Will be making my phonecall too😕:(:(
  • NasqueronNasqueron Forumite
    7.7K Posts
    Do remember this is not a scheme like PPI where miss-sale has been court tested, it is a new MSE campaign - if you wish to cancel Experian fees you should do so (as it's a waste of money even ignoring the insurance) but read the MSE article if you want to try and get old fees back
    “the concept of a United States of Europe is right.” Winston Churchill 1930
    “I think that the Government are right to apply to join the European Economic Community...” -Winston Churchill 1961
    “The future of Europe if Britain were to be excluded is black indeed.”[FONT=&quot][FONT=&quot][FONT=&quot] - Winston Churchill 1963
    [/FONT][/FONT][/FONT]
  • chanz4chanz4 Forumite
    10.6K Posts
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    Forumite
    not new its been battered about for a while, mse just decided to take it on
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • NasqueronNasqueron Forumite
    7.7K Posts
    chanz4 - what I mean is, there is no proven case like the PPI scheme - just ad hoc complaints from people who may get the £5 insurance fee refunded if you ask nicely
    “the concept of a United States of Europe is right.” Winston Churchill 1930
    “I think that the Government are right to apply to join the European Economic Community...” -Winston Churchill 1961
    “The future of Europe if Britain were to be excluded is black indeed.”[FONT=&quot][FONT=&quot][FONT=&quot] - Winston Churchill 1963
    [/FONT][/FONT][/FONT]
  • fermifermi Forumite
    40.6K Posts
    10,000 Posts Combo Breaker Intrepid Forum Explorer Rampant Recycler
    Forumite
    Mentioned here at least: http://forums.moneysavingexpert.com/showthread.php?t=4981073
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
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