unauthorised loan application

traceya89

not sure if this is the right forum. i was caught at a bit of a vunerable moment when looking at a car in a national car showroom. i wont name the company. the salesman conned me into leaving £100 cash deposit as i did not have my bank card on me as a deposit for a £9000 car. i only left the deposit cos he said no one had been refused credit for all i told him i was blacklisted! anyway to cut a long story short i got refused it from peugot and they tried santander (where i have a lot of savings) but they also refused me. so i asked for my money back. anyway he hummed and ha'ad and told me to go into the bank and see about a loan from them! he was a typcial car salesman and i was sick to death of him. anyway unbeknown to me him and the accounts department tried other companies for a loan without my permission and some company said yes! i was furious as the rate was sky high. anyway in between asking for my money back and them getting my loan i did tell someone in the company i was not going ahead with the sale which they blatently ignored.

they wont give me my deposit back but what i am more annoyed and bothered about is the fact that they have applied to companies for loans without my consent or permission.

is there anything i can do about this. i have wrote a letter of complaint so some account manager and also to the person who is managing director/owner of the big company and they have ignored my letter.
i was told by someone in the company that my deposit would be used for their christmas party!! absolutely furious!!

any advice would be appreicated

jonesMUFCforever

Did you sign any pieces of paper at all at the garage??

If you did I guarantee you will have given permission somewhere on there.

If you did not then you could use this as a leverage to get your deposit back - data protection beaches are taken very seriously these days.
Check the 3 main CRA's to see exactly what they did.

[Deleted User]

At least now you know that blacklists don't exist.