Hi Guys,

I have just had the CAG email newsletter through and found this experian thread interesting, i believe i have been with them since 2011 however cant access my account info previous to 1 yr on their website in my account details and my bank online can only take me back to 8/2012. I have been paying £14.99 a month since the start and have sent them this email today....

To whom it may concern,

I have recently been looking into my finances and taking advice from a financial adviser and i have been alerted to an issue i have with my account.

At present i can only find details of payments to yourselves of £14.99 per month by card payment on a monthly basis since August 2012, however I'm pretty sure that i joined back in 2011. If you could confirm when i joined that would help me a lot.

In the mean time i would like to raise the concern that in all the months i have been with credit expert not once was i given the opportunity to decline payment for insurance with my monthly payment.

I am led to believe that the payment for insurance is included in the monthly payment of £14.99 and it equates to £6.40 per month. I am most certainly not happy about this as i actually didn't even know that there was an option for a cheaper package a month at £9.99 which doesn't include insurance. To that effect i would like to apply for a full refund of the £6.40 and 8% interest per month that i have been paying without the need to, this amount up to August 2012 totals £165.88 and obviously upon confirmation as to when my account was opened i would like to pursue the months in addition that i cant see on my account details online.

I shall be sending a complaint letter to the FOS outlining my claim, along with a copy of this email to yourselves.

I look forward to your reply,

Kind regards

Do you think this is ok?

TIA Kat

KatF

I have removed your name from the end of your letter. You don't want people knowing who you are, do you?

Many thanks silverfox

Kat, there is also an article in CAG magazine, which prompted the Newsletter article..

http://www.consumeractiongroup.co.uk/forum/content.php?1046-Experian-misselling-of-ID-theft-insurance

As your letter/email has already been sent - then it reads ok

Thanks CitizenB, hopefully it gets me somewhere lol

Please keep us updated

I most certainly will do

just as a side note

they know all the payments you made

they had data on two people I helped going back into the 90's

one simple letter and one phone call

dx

Fabulous, are they quite honest in how long you have been a paying member or will i need to persevere?

Thanks

no they are very honest.

2nd one I did they found a previous account 3yrs before the one reclaimed for

dx

Brilliant, hopefully i will get somewhere then

own thread created