Currys - Tech Now, Pay Later

MattBert

Good afternoon all

Yesterday, I was looking at purchasing a TV and then looked at the buy now pay later offer at Currys and run through the check and was told I would be likely to have a £3,500 credit limit to purchase whenever I wanted, but then needed to go through the credit agreement with Creation.  Creation rejected my application so now I feel conned especially since I now have a search on my credit file.

I’ve not received any emails from Currys or Creation to state I tried to apply or that I was refused.

Can I ask for the search to be removed?

DullGreyGuy

MattBert said:

Good afternoon all

Yesterday, I was looking at purchasing a TV and then looked at the buy now pay later offer at Currys and run through the check and was told I would be likely to have a £3,500 credit limit to purchase whenever I wanted, but then needed to go through the credit agreement with Creation.  Creation rejected my application so now I feel conned especially since I now have a search on my credit file.

I’ve not received any emails from Currys or Creation to state I tried to apply or that I was refused.

Can I ask for the search to be removed?

On what grounds are you asking for it to be removed? You said you did ask for the credit so its not fraud.

MattBert

Not fraud but definitely conned into it

mr_stripey

MattBert said:

Not fraud but definitely conned into it

I suppose the "con" depends on exactly what was said. If the term "likely" to be accepted was used then it means nothing. It wasn't definite and no one guaranteed you to be accepted.

Unfortunate maybe and possibly slightly misleading, depending on exactly what was said, and by who but you can't get the search removed since it did happen.

One search on it's own in isolation is not likely to make much difference though.

Might be worth checking your credit files to ensure all the information is correct, especially if you thought you were going to be accepted.

DullGreyGuy

MattBert said:

Not fraud but definitely conned into it

A con is fraud.

Still not clear what you think was done wrong to warrant annulling the fact your record now shows you applied for credit. 

At a guess you are saying the "likely" gave you confidence to apply but "likely" doesn't mean guaranteed and so its perfectly reasonable that some that are "likely" to be offered credit are subsequently declined. Not that long ago you'd have always applied blind with no knowledge of it you were likely or unlikely to be accepted beyond your own knowledge of your credit history. 

If that's what you mean, then you've no hope of getting it scrubbed and time to move on... it'll have dropped off in 6 months which would be well before any complaint escalated to the FOS would have been looked at. 

Grumpy_chap

MattBert said:

Good afternoon all

Yesterday, I was looking at purchasing a TV and then looked at the buy now pay later offer at Currys and run through the check and was told I would be likely to have a £3,500 credit limit to purchase whenever I wanted, but then needed to go through the credit agreement with Creation.  Creation rejected my application so now I feel conned especially since I now have a search on my credit file.

I’ve not received any emails from Currys or Creation to state I tried to apply or that I was refused.

Can I ask for the search to be removed?

Did you apply for the credit and then get rejected?  In that case, the credit check is correct.
OR, do you feel conned because you were using the eligibility checker in advance of applying for the credit and therefore did not expect to see a hard search showing?

From reading the post, the former seems to be the case.

Apart from the annoyance, what difference will the credit check make?  Are you planning on taking other credit in the near future?

It may be better, in the long run, that you were rejected for the credit.  Your post seems to read that you were tempted to a very expensive TV because the store staff suggested you could have that much as credit,  It will be far more MSE to buy a cheaper TV that you can afford outright.