Hi Got my letter from Loans.co.uk today. I tried to set up free membership to Credit Expert but it says I have already joined so not entitled to free membership. I don't recall joining and end of card details is not mime unless an old card and I can't remember it. I have emailed them asking for login details, hoping no-one has used my details to set up account on Credit Expert as they have enough info from Loan.co.uk to do this. This would explain letters I have received saying I had applied for a loan (which I binned thinking it was a [problem]). Will be sending off letter of complaint.