Thanks for the advice. It's actually a US based company, based in New York. They have a website in the UK which is where I'm based, but they operate from the US, payment is take in dollars etc.

Hi! 3 months ago I signed up to a web-based service called Creative Jobs Central. I'ts a paid for job listing site to look for jobs. The service was terrible and I hardly used it. 3 months later they auto-renewed my account for £36 without sending any written notice. Now, it is in their terms and conditions that they do this. They are based in New York and according to that state law, you are not allowed to auto-renew on services over a month without giving 15-30 days written notice that the auto-renewal will take place: kirschenbaumesq. com/autonewyork1.htm I pointed this out to them and they said that because I agreed to the T+Cs I can't do anything about it. I am thinking of processing the chargeback through my credit card company and using the argument that they did not provide me with written notice in advance of the auto-renewal in keeping with their state law. In their terms and conditions they also state that if you pursure a chargeback because of the auto-renewal (they get a lot of complaints about this) and you are not successful they will charge you another $20. This all sounds a bit ridiculous. Any advice about pursuing this? Their point of view with the "you agreed to the T=Cs we can do what we like" sounds a lot like the banks used to be but with this being a NY company I'm not sure where I stand.

Thank you for your reply, Yes it is a total mistake, but it's finding the best way to have it put right, not sure if people have had similar experiences and if it's better to write. Experian for example show nothing wrong with my friend's file it's only through Equifax.

Hi, I'm hoping someone can help, or point me in the right direction to threads around the site. My friend was refused a credit card because Equifax have an old listed address with someone who committed fraud, despite it being after my friend sold the house. The main points are: 1998: my friend seperated from her husband and moved out of the house and has 2 listed addresses since then. 2006: My friend and the husband sold the house 2008: Equifax have a tenant of the people who bought the house on a "4-application fraud facility refused" status registered by Lloyds TSB. Even though my friend didn't even own the house at that time, it is affecting her ability to get credit. The phone numbers are all premium rate so I thought I would try on here for her first to see if anyone has had a similar problem. Really appreciate any help or advice, you guys have been a fantastic resource in the past. Thank you