Experian Taking Payment on Old Card

coles101

I opened an Experian account whilst I was applying for a new mortgage. I kept the account going for a little while to track my credit rating but have not accessed it for a few months and wish to close the account.

I tried to log into my account but get told that the credit card used has expired and I am locked out until I update the payment information. I thought that if they can't charge me than the account would get closed or at least sit dormant until I updated the details, however Experian has continued to charge the credit card (same account but new issue date on card) but I am still locked out of my account until I update the payment details.

Firstly, should Experian be able to continue applying for payment against an expired credit card?

Secondly, should my card provider be accepting the payment applications?

Is it possible to cancel the Experian account online or via letter (email) or do I have to spend hours on the phone to them? I don't want to give them my updated card details if they don't need it.

adindas

This is not about your payment method, but about your subscription to Experian. As long as you have not canceled your subscription you are still obliged to pay. Whatever method you use to pay is not the Experian concerns. ....
Like in any other business, if your card is expire it does not mean you do not need to pay your subscription ...

This forum is a great resources where people have been warned about the Experian free trial bait make it easy to subscribe but then make as difficult as possible for people to cancel it or people just forget to cancel it.

You could subscribe online but the only way to cancel it is by phoning them. Though it is a free number 0800 but people have reported that it is not that easy to reach this line ...

This is already a very alarm warning ....
Do search in this forum and read the people experience of cancelling free subscription ...

coles101 wrote: »

I opened an Experian account whilst I was applying for a new mortgage. I kept the account going for a little while to track my credit rating but have not accessed it for a few months and wish to close the account.

I tried to log into my account but get told that the credit card used has expired and I am locked out until I update the payment information. I thought that if they can't charge me than the account would get closed or at least sit dormant until I updated the details, however Experian has continued to charge the credit card (same account but new issue date on card) but I am still locked out of my account until I update the payment details.

Firstly, should Experian be able to continue applying for payment against an expired credit card?

Secondly, should my card provider be accepting the payment applications?

Is it possible to cancel the Experian account online or via letter (email) or do I have to spend hours on the phone to them? I don't want to give them my updated card details if they don't need it.

Experian_company_representative

Hi coles101

coles101 wrote: »

I opened an Experian account whilst I was applying for a new mortgage. I kept the account going for a little while to track my credit rating but have not accessed it for a few months and wish to close the account.

I tried to log into my account but get told that the credit card used has expired and I am locked out until I update the payment information. I thought that if they can't charge me than the account would get closed or at least sit dormant until I updated the details, however Experian has continued to charge the credit card (same account but new issue date on card) but I am still locked out of my account until I update the payment details.

Firstly, should Experian be able to continue applying for payment against an expired credit card?

Secondly, should my card provider be accepting the payment applications?

Is it possible to cancel the Experian account online or via letter (email) or do I have to spend hours on the phone to them? I don't want to give them my updated card details if they don't need it.

You can find details on how you can cancel your CreditExpert membership here, if you are unable to give us a call, the link provided above explains other methods in which you can do so.

I want to help you resolve the issue with membership you’ve experienced with membership payments being debited from your previous card, please get in contact with us so we can assist you further.

Regards
James Jarvis

MisterBaxter

I had the trial some time ago, the only way to cancel was by phone; you have to be very firm with them and decline all of the 'offers' for reduced rates etc. They don't or certainly didn't make it easy for you to cancel. If they have locked you out of your account it looks like you're going to have to call them anyway so you may as well psyche yourself for the arduous cancellation process. Just keep your resolve and persist.

GingerBob_3

This sounds not unlike trying to cancel Sky. Can you not simply serve a written notice on them that you are cancelling the agreement?

[Deleted User]

coles101 wrote: »

Firstly, should Experian be able to continue applying for payment against an expired credit card?

Secondly, should my card provider be accepting the payment applications?

Yes to both. You have given them a continuous payment authority, which is not affected by changes in physical cards.

adindas

GingerBob wrote: »

This sounds not unlike trying to cancel Sky. Can you not simply serve a written notice on them that you are cancelling the agreement?

I do not know whether you are aware or not. The only official way (contractual agreement) to cancel it is by phoning them using 0800 561 0083. Yes few people manage to cancel it through MSE when the case has become public attention but keep in mind this is not an official way of doing it. It has never been mentioned anywhere in the contractual documentation..

http://www.experian.co.uk/consumer/questions/askjames300.html

It is a free number but If you search in this forum there are already a lot of people have reported how difficult to reach them.
Very easy to subscribe online but you cannot cancel it online. This is already an alarming signal for those who want to learn.

GingerBob_3

adindas wrote: »

I do not know whether you are aware or not. The only official way (contractual agreement) to cancel it is by phoning them using 0800 561 0083. Yes few people manage to cancel it through MSE when the case has become public attention but keep in mind this is not an official way of doing it. It has never been mention anywhere in the contract documentation..

http://www.experian.co.uk/consumer/questions/askjames300.html

It is a free number but If you search in this forum there are already a lot of people have reported how difficult to reach them.
Very easy to subscribe online but you cannot cancel it online. This is already an alarming signal for those who want to learn.

I see it in their T&Cs, but I'm wondering if the "law of the land" allows you in any case to cancel this type of contract in writing. It's almost an unfair term in the contract and maybe it would not stand up in court. You can serve a written notice to a company at their registered address. Are they, in effect, saying that you can't do this if you want to cancel?