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OT - Experian - subscribe online, can't cancel online
I used the 30 day free trial at Experian to check my credit record
this morning. All sign-up online. I had to give my credit card details to conform my identity (fair enough). But once subscribed, it's impossible to cancel without phoning them (office hours only) - there is no way to cancel on their website. |
OT - Experian - subscribe online, can't cancel online
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OT - Experian - subscribe online, can't cancel online
On Dec 12, 10:08*am, Tim Watts wrote:
On 12/12/10 09:57, wrote: I used the 30 day free trial at Experian to check my credit record this morning. All sign-up online. I had to give my credit card details to conform my identity (fair enough). But once subscribed, it's impossible to cancel without phoning them (office hours only) - there is no way to cancel on their website. Not the first bunch of scum to pull that trick! -- Tim Watts Totally counter-productive too. I *always* immediately unsubcribe to all those things. If they hadn't tried to pull that trick, I probably would have actually paid them for my credit score. |
OT - Experian - subscribe online, can't cancel online
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OT - Experian - subscribe online, can't cancel online
On Dec 12, 10:13*am, dmc@puffin. (D.M.Chapman) wrote:
In article , wrote: Totally counter-productive too. I bet it's massively profitable - you might unsubscribe instantly, bet a hell of a lot of people don't. In fact, I suspect a fair few don't even realise what they have agreed to and never notice it on their credit card statement. |
OT - Experian - subscribe online, can't cancel online
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OT - Experian - subscribe online, can't cancel online
Add Naked Wines to the list too. I wish there was such a public list. I think it would greatly reduce the practice. |
OT - Experian - subscribe online, can't cancel online
On 12/12/2010 10:51, A.Lee wrote:
wrote: On Dec 12, 10:13 am, dmc@puffin. (D.M.Chapman) wrote: wrote: Totally counter-productive too. I bet it's massively profitable - you might unsubscribe instantly, bet a hell of a lot of people don't. In fact, I suspect a fair few don't even realise what they have agreed to and never notice it on their credit card statement. Direct Line insurance tried a similar trick with me. Silently auto-renewed a policy, and didn't notify me for 2 weeks (and no pre-notification - we're going to do this). Add Naked Wines to the list too. I'd ordered a number of cases from them over a couple of years, then I got a case in March which I hadnt ordered. Add SAGA Insurance to the list :-( With the last increase being a bit much, we informed their renewal team that we were shopping around. I found a cheaper deal through someone else via Quidco and took out the new policy. The following week we found that SAGA had done a direct debit on SWMBO's account for their following years expensive insurance - and asked to explain themselves they said "we do that as a favour for our customers so that if they forget to renew, they will actually still be covered". Yeah right, it's elderly forgetful customers freeloaning them cash! Took a heated telephone call to correct that and have the money back in the account. -- Adrian C |
OT - Experian - subscribe online, can't cancel online
On 12/12/2010 11:13, Adrian C wrote:
On 12/12/2010 10:51, A.Lee wrote: wrote: On Dec 12, 10:13 am, dmc@puffin. (D.M.Chapman) wrote: wrote: Totally counter-productive too. I bet it's massively profitable - you might unsubscribe instantly, bet a hell of a lot of people don't. In fact, I suspect a fair few don't even realise what they have agreed to and never notice it on their credit card statement. Direct Line insurance tried a similar trick with me. Silently auto-renewed a policy, and didn't notify me for 2 weeks (and no pre-notification - we're going to do this). Add Naked Wines to the list too. I'd ordered a number of cases from them over a couple of years, then I got a case in March which I hadnt ordered. Add SAGA Insurance to the list :-( With the last increase being a bit much, we informed their renewal team that we were shopping around. I found a cheaper deal through someone else via Quidco and took out the new policy. The following week we found that SAGA had done a direct debit on SWMBO's account for their following years expensive insurance - and asked to explain themselves they said "we do that as a favour for our customers so that if they forget to renew, they will actually still be covered". Yeah right, it's elderly forgetful customers freeloaning them cash! Took a heated telephone call to correct that and have the money back in the account. Add Churchill insurance to this - absolutely dreadful practices and systems when I tried to stop dealing with them a year or so ago. Never again! My son is just starting a similar battle with Admiral insurance, so maybe they're all similar. |
OT - Experian - subscribe online, can't cancel online
On Dec 12, 11:23*am, NoSpam wrote:
On 12/12/2010 11:13, Adrian C wrote: On 12/12/2010 10:51, A.Lee wrote: wrote: On Dec 12, 10:13 am, dmc@puffin. (D.M.Chapman) wrote: wrote: Totally counter-productive too. I bet it's massively profitable - you might unsubscribe instantly, bet a hell of a lot of people don't. In fact, I suspect a fair few don't even realise what they have agreed to and never notice it on their credit card statement. Direct Line insurance tried a similar trick with me. Silently auto-renewed a policy, and didn't notify me for 2 weeks (and no pre-notification - we're going to do this). Add Naked Wines to the list too. I'd ordered a number of cases from them over a couple of years, then I got a case in March which I hadnt ordered. Add SAGA Insurance to the list :-( With the last increase being a bit much, we informed their renewal team that we were shopping around. I found a cheaper deal through someone else via Quidco and took out the new policy. The following week we found that SAGA had done a direct debit on SWMBO's account for their following years expensive insurance - and asked to explain themselves they said "we do that as a favour for our customers so that if they forget to renew, they will actually still be covered". Yeah right, it's elderly forgetful customers freeloaning them cash! Took a heated telephone call to correct that and have the money back in the account. Add Churchill insurance to this - absolutely dreadful practices and systems when I tried to stop dealing with them a year or so ago. Never again! My son is just starting a similar battle with Admiral insurance, so maybe they're all similar. I also found Direct Line used a low sign-up premium, but lots of backloaded charges - the 2 very minor changes I made in my policy were ridiculously expensive. Norwich Union/Aviva don't do autorenew, they send paperwork through by post, in advance of the renewal date, and offer a discount of you complete the renewal online - they are my insurer now. They don't charge/overcharge for minor changes either. Best of all, comp on my caravelle £299, add full business use just £1. (no connection apart from satisfied customer etc) |
OT - Experian - subscribe online, can't cancel online
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OT - Experian - subscribe online, can't cancel online
On 12/12/10 13:52, tim.... wrote:
"NoSpam" wrote in message Add Churchill insurance to this - absolutely dreadful practices and systems when I tried to stop dealing with them a year or so ago. Never again! My son is just starting a similar battle with Admiral insurance, so maybe they're all similar. Yep they all do it now. I doubt that you will find a "direct" provider that does not Quinn Insurance doesn't. (and I pay them by cheque just to make sure they can't) -- djc |
OT - Experian - subscribe online, can't cancel online
On Sun, 12 Dec 2010 11:13:49 +0000, Adrian C wrote:
Add SAGA Insurance to the list :-( With the last increase being a bit much, we informed their renewal team that we were shopping around. I found a cheaper deal through someone else via Quidco and took out the new policy. The following week we found that SAGA had done a direct debit on SWMBO's account for their following years expensive insurance - and asked to explain themselves they said "we do that as a favour for our customers so that if they forget to renew, they will actually still be covered". Yeah right, it's elderly forgetful customers freeloaning them cash! Took a heated telephone call to correct that and have the money back in the account. Yup, I'm with SAGA but on DD, so I can cancel unilaterally. Reminds me, I must start to look for an escape to another payment evader. -- Peter. The gods will stay away whilst religions hold sway |
OT - Experian - subscribe online, can't cancel online
On Sun, 12 Dec 2010 15:29:02 +0000, djc wrote:
On 12/12/10 13:52, tim.... wrote: "NoSpam" wrote in message Add Churchill insurance to this - absolutely dreadful practices and systems when I tried to stop dealing with them a year or so ago. Never again! My son is just starting a similar battle with Admiral insurance, so maybe they're all similar. Yep they all do it now. I doubt that you will find a "direct" provider that does not Quinn Insurance doesn't. (and I pay them by cheque just to make sure they can't) Just Yahoo!'d that and the second hit had "under administration" in the description - bit worrying. -- Peter. The gods will stay away whilst religions hold sway |
OT - Experian - subscribe online, can't cancel online
PeterC writes:
Yup, I'm with SAGA but on DD, so I can cancel unilaterally. I recently asked my bank what would happen if I had reason to cancel a DD and was told that the company in question could immediately set up a new DD on the account, on the basis that they already had DD payment authorisation. -- Windmill, Use t m i l l @ O n e t e l . c o m |
OT - Experian - subscribe online, can't cancel online
On Dec 12, 9:57*am, " wrote:
I used the 30 day free trial at Experian to check my credit record this morning. All sign-up online. I had to give my credit card details to conform my identity (fair enough). But once subscribed, it's impossible to cancel without phoning them (office hours only) - there is no way to cancel on their website. On a similar note, ordering online from Pizza Hut on Saturday, at the end of the process was offered a £10 of your next purchase voucher. However to collect it, you need to give them your card details. Voucher remains uncollected. |
OT - Experian - subscribe online, can't cancel online
On Dec 12, 3:29*pm, djc wrote:
On 12/12/10 13:52, tim.... wrote: "NoSpam" wrote in message Add Churchill insurance to this - absolutely dreadful practices and systems when I tried to stop dealing with them a year or so ago. Never again! My son is just starting a similar battle with Admiral insurance, so maybe they're all similar. Yep they all do it now. I doubt that you will find a "direct" provider that does not Quinn Insurance doesn't. (and I pay them by cheque just to make sure they can't) -- djc They went bust. |
OT - Experian - subscribe online, can't cancel online
On Dec 12, 5:24*pm, PeterC wrote:
Yup, I'm with SAGA but on DD, so I can cancel unilaterally. You'd think so wouldn't you, however I've read many reports of them being reinstated by the company. By many accounts the DD gaurantee isn't worth much at all. Mathew |
OT - Experian - subscribe online, can't cancel online
On Sun, 12 Dec 2010 19:32:11 GMT, Windmill wrote:
Yup, I'm with SAGA but on DD, so I can cancel unilaterally. I recently asked my bank what would happen if I had reason to cancel a DD and was told that the company in question could immediately set up a new DD on the account, on the basis that they already had DD payment authorisation. Cheeky but you just unilaterally cancel that one as well, IIRC they have to write to you giving you the information about the new DD. They really don't have a foot to stand on using a DD authorisation dated pre the cancelation. I find that unilaterally cancelling a DD grabs a companies attention very quickly, almost like grabbing 'em by the short and curlies. -- Cheers Dave. |
OT - Experian - subscribe online, can't cancel online
On Dec 13, 9:58*am, Mathew Newton wrote:
On Dec 12, 5:24*pm, PeterC wrote: Yup, I'm with SAGA but on DD, so I can cancel unilaterally. You'd think so wouldn't you, however I've read many reports of them being reinstated by the company. By many accounts the DD gaurantee isn't worth much at all. Mathew We use a bill consolidation service (Moneyway), who require express consent of the account holder to make any changes to the DDs on the account. It's a nice buffer to have between ourselves and providers. |
OT - Experian - subscribe online, can't cancel online
On 13/12/10 11:08, Jethro wrote:
On Dec 13, 9:58 am, Mathew wrote: On Dec 12, 5:24 pm, wrote: Yup, I'm with SAGA but on DD, so I can cancel unilaterally. You'd think so wouldn't you, however I've read many reports of them being reinstated by the company. By many accounts the DD gaurantee isn't worth much at all. Mathew We use a bill consolidation service (Moneyway), who require express consent of the account holder to make any changes to the DDs on the account. It's a nice buffer to have between ourselves and providers. Interesting - shall look into that - ta. -- Tim Watts |
OT - Experian - subscribe online, can't cancel online
On Dec 12, 9:57*am, " wrote:
I used the 30 day free trial at Experian to check my credit record this morning. All sign-up online. I had to give my credit card details to conform my identity (fair enough). But once subscribed, it's impossible to cancel without phoning them (office hours only) - there is no way to cancel on their website. Isn`t a great wheeze , selling people their own data, on subscription. You can put in a statutory request for £2 , it dosen`t have the whizzy graphics, but gives you an idea how inaccurate the data Experian hold may be. http://www.ico.gov.uk/for_the_public...es/credit.aspx To get any idea of how inaccurate, you need the reference files from all three agencies, they probably won`t match..... Cheers Adam |
OT - Experian - subscribe online, can't cancel online
On Dec 13, 11:08*am, Jethro wrote:
On Dec 13, 9:58*am, Mathew Newton wrote: On Dec 12, 5:24*pm, PeterC wrote: Yup, I'm with SAGA but on DD, so I can cancel unilaterally. You'd think so wouldn't you, however I've read many reports of them being reinstated by the company. By many accounts the DD gaurantee isn't worth much at all. Mathew We use a bill consolidation service (Moneyway), who require express consent of the account holder to make any changes to the DDs on the account. It's a nice buffer to have between ourselves and providers. To follow up, the telephone cancellation wasn't too bad. There's a bit of a run-around "can we interest you in our other products are services?" type guff - but probably only about 2 minutes total call time. |
OT - Experian - subscribe online, can't cancel online
On Dec 12, 11:23*am, NoSpam wrote:
On 12/12/2010 11:13, Adrian C wrote: On 12/12/2010 10:51, A.Lee wrote: wrote: On Dec 12, 10:13 am, dmc@puffin. (D.M.Chapman) wrote: wrote: Totally counter-productive too. I bet it's massively profitable - you might unsubscribe instantly, bet a hell of a lot of people don't. In fact, I suspect a fair few don't even realise what they have agreed to and never notice it on their credit card statement. Direct Line insurance tried a similar trick with me. Silently auto-renewed a policy, and didn't notify me for 2 weeks (and no pre-notification - we're going to do this). Add Naked Wines to the list too. I'd ordered a number of cases from them over a couple of years, then I got a case in March which I hadnt ordered. Add SAGA Insurance to the list :-( With the last increase being a bit much, we informed their renewal team that we were shopping around. I found a cheaper deal through someone else via Quidco and took out the new policy. The following week we found that SAGA had done a direct debit on SWMBO's account for their following years expensive insurance - and asked to explain themselves they said "we do that as a favour for our customers so that if they forget to renew, they will actually still be covered". Yeah right, it's elderly forgetful customers freeloaning them cash! Took a heated telephone call to correct that and have the money back in the account. Add Churchill insurance to this - absolutely dreadful practices and systems when I tried to stop dealing with them a year or so ago. Never again! My son is just starting a similar battle with Admiral insurance, so maybe they're all similar. Never had a problem with Admiral. They send a reminder of the impending auto-renewal. I shop around. Admiral are invariably still the best deal. It get's renewed automatically. Job done. MBQ |
OT - Experian - subscribe online, can't cancel online
On Sun, 12 Dec 2010 19:32:11 GMT, Windmill wrote:
PeterC writes: Yup, I'm with SAGA but on DD, so I can cancel unilaterally. I recently asked my bank what would happen if I had reason to cancel a DD and was told that the company in question could immediately set up a new DD on the account, on the basis that they already had DD payment authorisation. Oh nasty! Thanks for the info. - I hadn't realised that. -- Peter. The gods will stay away whilst religions hold sway |
OT - Experian - subscribe online, can't cancel online
On Mon, 13 Dec 2010 10:49:43 +0000 (GMT), Dave Liquorice wrote:
On Sun, 12 Dec 2010 19:32:11 GMT, Windmill wrote: Yup, I'm with SAGA but on DD, so I can cancel unilaterally. I recently asked my bank what would happen if I had reason to cancel a DD and was told that the company in question could immediately set up a new DD on the account, on the basis that they already had DD payment authorisation. Cheeky but you just unilaterally cancel that one as well, IIRC they have to write to you giving you the information about the new DD. They really don't have a foot to stand on using a DD authorisation dated pre the cancelation. I find that unilaterally cancelling a DD grabs a companies attention very quickly, almost like grabbing 'em by the short and curlies. What I'd really like to do is have a problem with a DD to a big organisation - SAGA would do - that has tens of thousands of DDs then get the licence suspended. That'd sort the abstrads out! -- Peter. The gods will stay away whilst religions hold sway |
OT - Experian - subscribe online, can't cancel online
On 13/12/2010 09:57, Jethro wrote:
On a similar note, ordering online from Pizza Hut on Saturday, at the end of the process was offered a £10 of your next purchase voucher. However to collect it, you need to give them your card details. Voucher remains uncollected. Pizza Hut ask you to agree to their Ts&Cs before ordering. I phoned instead. Andy |
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