Evan Halshaw ruined my credit report

edited 30 November -1 at 1:00AM in Credit File & Ratings
8 replies 1.3K views
Mryo25Mryo25 Forumite
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edited 30 November -1 at 1:00AM in Credit File & Ratings
Hi,

I saw a car I wanted to finance a few days ago with Evan Halshaw, I had finance already approved at this point and made an online enquiry to take the car for a test drive. I eventually got a call and we discussed the test drive and the salesman went through how I wanted to buy it, I made them aware I had finance approved and went through carfinance247. The guy told me that they could get me cheaper finance than what I was offered because it was in their best interest to do so, I accepted this to be true. 2 days ago I test drove the car and we went back in to the showroom and I was providing my details, I asked the salesman if the enquires they would do would only be soft searches and not hard searches. He left to ask his supervisor and he came back and said that they were and would only last 30 days. Upon checking my report yesterday their has been about 5 hard searches done with Equifax, for Motonova, Vauxhall finance and a few others. On top of this when I got a call from one of the finance companies to discuss my application they made me aware that the dealer had also included various different insurances on top of the finance such as tyre care and another insurance to protect the interior of the car if i ever was to spill anything, none of which I even consented to be added.

Is there anyway I can have those searches removed and is a complaint necessary?

Replies

  • sourcratessourcrates Forumite, Board Guide
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    They only stay there 12 months, no one will take much notice of them, its common to be searched numerous times for insurance products etc.


    If you didnt consent to the insurance quotes, then write and complain about it, i have literally hundreds of searches on my file, car insurance, home insurance, allsorts of things.
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  • Mryo25Mryo25 Forumite
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    I meant that they have made lots of searches for car fiance and these are showing as hard searches. The insurances are separate and they have these on the finance.
  • zx81zx81 Forumite
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    You could ask for them to be removed if you really want, but it will have no long term impact and certainly hasn't ruined your credit report.
  • eskbankereskbanker Forumite
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    Mryo25 wrote: »
    I meant that they have made lots of searches for car fiance and these are showing as hard searches. The insurances are separate and they have these on the finance.
    A series of searches for credit cards might be perceived negatively as signifying desperation to get hold of money from multiple sources, but I'd be amazed if future prospective lenders would interpret multiple searches for car finance as meaning that you were planning on assembling a fleet! In other words, don't worry about it....
  • Ben8282Ben8282
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    Mryo25 wrote: »
    I meant that they have made lots of searches for car fiance and these are showing as hard searches. The insurances are separate and they have these on the finance.
    Are you SURE they are hard searches?
  • revenge2revenge2 Forumite
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    Evans halshaw make a commission to introduce you to finance plus the interest is much higher .never take any finance they offer and dont take any silly add on they offer i saved £1980 by going to the bank for fiance and got a much better deal else where as the cars are overpriced and so many used cars need attention before being sold as getting a repair done under any warranty is difficult. So really just walk away and use another garage.
  • jimbo26jimbo26 Forumite
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    Don't get too excited, lots of people on here think hard searches are the end of the world. I'm not convinced (certainly from my experience) that they play any significant part in a lending decision. Other factors are far more important. Your made up score will go down, but you can ignore that.
  • HasbeenHasbeen Forumite
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    Mryo25 said:
    Hi,

    I saw a car I wanted to finance a few days ago with Evan Halshaw, I had finance already approved at this point and made an online enquiry to take the car for a test drive. I eventually got a call and we discussed the test drive and the salesman went through how I wanted to buy it, I made them aware I had finance approved and went through carfinance247. The guy told me that they could get me cheaper finance than what I was offered because it was in their best interest to do so, I accepted this to be true. 2 days ago I test drove the car and we went back in to the showroom and I was providing my details, I asked the salesman if the enquires they would do would only be soft searches and not hard searches. He left to ask his supervisor and he came back and said that they were and would only last 30 days. Upon checking my report yesterday their has been about 5 hard searches done with Equifax, for Motonova, Vauxhall finance and a few others. On top of this when I got a call from one of the finance companies to discuss my application they made me aware that the dealer had also included various different insurances on top of the finance such as tyre care and another insurance to protect the interior of the car if i ever was to spill anything, none of which I even consented to be added.

    Is there anyway I can have those searches removed and is a complaint necessary?
    Is that not the reason that you have a credit report, so that companies etc can look/search it? 
    Why else would you have one?
    The world is not ruined by the wickedness of the wicked, but by the weakness of the good. Napoleon
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