Credit rating matters and Rewards first

[examiner]

As a "newbie" I don't know if these companies have been investigated already.
I looked at their websites a few months ago and had a free trial but knowing of similar sites I immediately cancelled my subscription.Due to computer problems I was unable to check my credit card bill for several months but I have now found they have been taking payments for the last few months.I have e-mailed them several times but no joy they only answered the first one cancelling but have not answered any requests for repayment.I have got my credit card company investigating this but I hold out little hope.Has anyone got any advice please?

[leclerc]

Re: Credit rating matters and Rewards first

As a "newbie" I don't know if these companies have been investigated already.
I looked at their websites a few months ago and had a free trial but knowing of similar sites I immediately cancelled my subscription.Due to computer problems I was unable to check my credit card bill for several months but I have now found they have been taking payments for the last few months.I have e-mailed them several times but no joy they only answered the first one cancelling but have not answered any requests for repayment.I have got my credit card company investigating this but I hold out little hope.Has anyone got any advice please?

What exactly have they done and how much money have they taken from you?
I would email rewards first, state you cancelled your subscription on x date and state that you have not accessed the site since and you are requesting that they refund the monies that they have taken.

[examiner]

Re: Credit rating matters and Rewards first

Thanks for reply, have tried all that to both firms neither of them answering e-mails.

[shamen]

Re: Credit rating matters and Rewards first

Which ones are doing this to you?

I have used checkmyfile.com in the past and they cancelled without a hitch, though they insisted on keeping the accountopen for an extra month as I had to give them 30 days notice. There was one other (I dont recall the name - perhaps annualcreditreport?) who cancelled but kept taking payments. They sorted the problem out as soon as I notified them with a phone call.

I have accounts with creditexpert (Experian) and Equifax 'econsumer' and have cancelled them both in the past with no problems. What I tend to do is use them for a month or two to check up on things and log any disputes, then cancel them after those disputes are closed. Ill then re-open them 3 months later and repeat the cycle. Those two have always been perfect with cancelling.
------------------------------- merged -------------------------------
Ah, its in the title. Creditratingmatters.

I hate all these services that keep cropping up. Usually they cant get all of your information anyway. I always say if you need a service like this, use the CRA's own (they tend to be way more helpful in disputes if you are actually a paying customer

Try ringing credit rating matters on 0845 026 1093and asking them whats up. If they fail to rectify the situation and you have a receipt of cancellation then just as your card company to do a chargeback?

[Toni Morrison]

Re: Credit rating matters and Rewards first

[FONT='Georgia','serif']Hello, [/FONT]
[FONT='Georgia','serif']I work with Adaptive Affinity Ltd (which operates the Credit Rating) and I’d like to firstly apologise for your experiences to date. [/FONT]
[FONT='Georgia','serif'][/FONT]
[FONT='Georgia','serif']I’ve read your post and just want to take a few seconds to reassure you that [/FONT]
[FONT='Georgia','serif']We do not get passed any information from 3rd parties
You have to enter all your details onto our sign up page[/FONT]
[FONT='Georgia','serif']
We always send a welcome email with information about the programme and how you can cancel by phone (on 0870 143 2343), email (contact@creditratingmatters.co.uk ) [/FONT]
[FONT='Georgia','serif'][/FONT]
[FONT='Georgia','serif']In regards to you comment about cancelling and still being charged, please do call in and we will be more than happy to help – and in this situation refund any charges you incurred after your cancellation date. And while its standard practice for our team to let you know if there are any other accounts in your name – its always good to ask. [/FONT]
[FONT='Georgia','serif']I hope I answered your query but if not let me know post back – or email me directly (if you can with this site) and I will do my best to help. [/FONT]
[FONT='Georgia','serif']
Toni Morrison
Relationship Manager
[/FONT]

[Toni Morrison]

Re: Credit rating matters and Rewards first

Not sure this my post is coming through correctly - as it shows the sourc coding.. so summing posting it again - just in case...


I work with Adaptive Affinity Ltd (which operates the Credit Rating) and I’d like to firstly apologise for your experiences to date.

I’ve read your post and just want to take a few seconds to reassure you that

We do not get passed any information from 3rd parties
You have to enter all your details onto our sign up page
We always send a welcome email with information about the programme and how you can cancel by phone (on 0870 143 2343), email (contact@creditratingmatters.co.uk )

In regards to you comment about cancelling and still being charged, please do call in and we will be more than happy to help – and in this situation refund any charges you incurred after your cancellation date. And while its standard practice for our team to let you know if there are any other accounts in your name – its always good to ask.

I hope I answered your query but if not let me know post back – or email me directly (if you can with this site) and I will do my best to help.


Toni Morrison
Relationship Manager

[examiner]

Re: Credit rating matters and Rewards first

Toni thanks for the reply, as you can see from original post I cancelled these with you as soon as I had checked your sites out -by e-mail.If you check you will see I haven't used your sites at all since then.I would appreciate it if you could arrange a refund off all monies taken from me by both sites.I would also ask you to get your people to answer e-mails, that way I wouldn't have had to go on here to elicit a reply from you.

[Toni Morrison]

Re: Credit rating matters and Rewards first

Hi Examiner

Thank you for replying to the post.

I’d be happy to help but in order to track you on our system I’d need personal information (email address you registered with, old membership number, post code etc) but I'd never recommend that anyone post personal info on an open forum.

The only suggestion I can make is for you to email contact@creditratingmatters.co.uk again with your personal details – marking it for my attention (Toni Morrison). Once received, I’ll email you back with a resolution.

Let me know if this is acceptable.

Kind Regards
Toni

[examiner]

Re: Credit rating matters and Rewards first

Ok Toni will e-mail today.
Other visitors to this site, I will let you know how I get on.

[hmorris]

Re: Credit rating matters and Rewards first

Hi there,

I have been trying for sometime now to claim money removed from my account by rewards first. I admit that I did fill in one of their forms after clicking on a link for £10 back when purchasing train tickets in sept 2010, but after doing so, there was no onscreen confirmation that the application had been successful - it merely shut down. I had assumed that it didn't work, but was content to wait to see if I would receive the stated "welcome email" containing my password which it states I would need when writing to them to claim the cashback & cancel subscription.
I waited, regularly checking my emails (including the spam & deleted folders) as I had already pre-addressed an envelope containing all the other details required.

No email was received from rewards first. In Feb I received my bank statement & Imagine my surprise when I saw that 3 x £9.95 had been taken!! I immediately went onto the site & rang the "customer services" they stated that a welcome email had been sent & as I had signed up for the "service" the money was non-refundable. I requested the membership be cancelled & requested a copy of the supposed "welcome email"

I received an email from rewards first confirming my cancellation and another containing a copy of the welcoming email BUT & it's a big BUT welcoming email was addressed incorrectly & not in the format that I had provided to them (it's also strange that the cancellation email & all other subsequent emails have been addressed correctly) I did then take the opportunity to claim the £10 cashback (even though the menbership had been cancelled - I thought it worth a try) but that is the only thing I did do as I couldn't access the site before then without the password.
I was prepared to give rewards first the benefit of the doubt, that it was merely an error on their part that the welcome email had been addressed incorrectly (& certainly not in the way that I had provided it to them) making it undeliverable (yes, I did try to send one in the manner they did) but they still state that the email had been sent. I have since requested a read receipt sent from myself to prove that as I did actually receive the welcome email as I am sure that a responsible, ethical company would want to make sure that their valued customers receive the essential & vital first email!
After having to send the request for a read receipt several times & having been ignored on each occasion I can now only assume that this "error" is a deliberate ploy from rewards first & would account for the scores of people who say that they never receive the welcome email - How can they justify taking money for a service which they know won't be provided due to incorrectly addressed emails?

I would appreciate any assistance to reclaim my money in this matter.
Kind regards!

[examiner]

Re: Credit rating matters and Rewards first

Hi
that sounds exactly the same runaround I've been getting from both(both belong to same company) why don't you e-mail this Toni Morrison and see what happens.

Oh and if you're monitoring this Toni please be aware that myself and others are fast running out of patience.

[Toni Morrison]

Re: Credit rating matters and Rewards first

Hi HMorris

Just a quick blog to let you know that I've sent you an email reply to you the otherday - as I believe we're already in contact over this matter.

But just to re-cap; I have thoroughly investigated your claim (especially about the email issue as I take this point very seriously). Let me first reassure you that as soon as someone signs up to our programme we always make sure that all key information is sent to our members to the email address they used to join the programme. If in any case it bounces we post the introduction letter to the member’s sign-up address.

I have checked and triple checked our database (which records any changes made to records) and as far as I can tell the only difference in the email address is that ours have been sent in upper case. To make sure that it would still get through I sent an email to myself changing the cases and found that in all instances it was delivered.
In terms of the £10 Cash back – I can see from our records that you’ve claimed the amount, which although in our terms and conditions it states that you need to be a member at the time of the request, I’m happy that you were able to do so.

With all this in mind, seeing that you haven’t logged into our programme (although you signed up aware of the fact that it was a membership programme) we’d still like to offer you a refund as a measure of goodwill (please see your personal inbox – as I wasn’t sure if you wanted to “share” this information with the public).

I look forward to your response.

Toni

[Toni Morrison]

Re: Credit rating matters and Rewards first

Hi Examiner

We are more than open to listening to people’s comments and I personally investigate all claims of us “not sending emails” or saying that we “took money without authorization,” - we take this all seriously – as it’s a bit of defamation of our character.

We are fully compliant with OFT rulings,

We NEVER get passed on any personal details from 3rd parties,

All methods of joining our programmes require “you” to enter all personal details (including credit card information) into the correct fields.

All our landing pages have bold text in the middle of the page stating that you are joining a membership programme in which you will be charged a specific amount after the trial period ends.

With over 400k members, and more than 100 retailers vouchers posted on our site we hope that we provide a worthwhile service. PLUS we always offer a no questions asked cancellation policy – the only thing we do ask is for people to call/ email in to do so. Its really as simple as that.

Hope this helps.. and as Examiner says I do keep an eye out on various boards – so you can always post a question.

Toni

[Angry Cat]

Re: Credit rating matters and Rewards first

Hi Examiner

.. and as Examiner says I do keep an eye out on various boards – so you can always post a question.

Toni

Perhaps, it would have been more prudent to answer/investigate this general consumers concerns and respond to his/her email(s).

Instead, of using this forum as your means of communication!

[examiner]

Re: Credit rating matters and Rewards first

Open message to Toni
Ok I get what you say but you are not answering my complaint so please answer the following;
As I have already said I cancelled both within the ten days cancellation period as stated once I read cases like my current one.As you can see from your records I have not used either site since then-why would I as far as I'm concerned I'd cancelled.
I agree that once I realised you were still taking payments and contacted you then everything was cancelled but and its a big but why were all my subsequent e-mails requesting a refund totally ignored?It was only once I posted on here that you had the decency to answer my complaint.
I am in total agreement with Angry Cat that it would have been better to have answered my e-mails personally that in open forum but I'm afraid to say it epitomises the sort of service I and others have had from you.
So Toni over to you- any chance of a refund?Oh and by the way its not meant as a deformation of you its just that despite what you say you DO ignore e-mails(I have proof) so why should I believe you saying that your cancellation procedure is simple!!