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