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Credit Expert
chanz4
Posts: 11,057 Forumite
Anyone fancy taking on experian over credit experts identity insurance which was forced on you when you join the online service?
I cant see any difference between ppi and this, I have seen people contact mse before, but they dont seem to want to.
Like me I had other things in place from my bank which covered me for it.
I cant see any difference between ppi and this, I have seen people contact mse before, but they dont seem to want to.
Like me I had other things in place from my bank which covered me for it.
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.
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Make a complaint and request a refund, if they reject it then refer it to FOS. I believe FOS have been upholding these complaints.
Your problem on this though is that it is not an optional insurance.0 -
100%, like bank ppi you were forced toDon'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.0
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You've missed the point entirely,I'm afraid.100%, like bank ppi you were forced to
PPI was optional-but often (mis)sold as if it was compulsory. It's the mis-information which forms the basis of many complaints. Many customers were told it was mandatory when it wasn't, or told taking it would improve their chances of being approved for finance.
The insurance you are planning to complain about is indeed compulsory, so your complaint is nothing like PPI.
Experian are allowed to have compulsory included insurance, so your complaint will have to be based on having no need of it. You should include proof of overlapping cover you had.0 -
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looks like the tables turned and credit expert decided to.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.0
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looks like the tables turned and credit expert decided to.
No the tables have not turned, read the MSE article - they want to try and get Experian to pay it back, there is no court case or any agreement of refunds, no refund process.We’re testing a new possible reclaim. This guide has full info on how you may be able to get money back from Experian, including free template letters - as part of our ethos for demanding financial fairness from big companies.Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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