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    Beware of LITTLEWOODS !!!!!!!!!!!!!

    Just to tip members off, if you are buying from littlewoods or kays using your debit or credit card they are credit checking you on every order. This is bad news if you are trying to keep searches to a minimum if your applying for a mortgage ect. I recently placed an order for £39.99 paying by maestro debit card and hey presto 2 credit file searches done by littlewoods.

    19 Comments

    I thought companys needed to get your consent before they could do this?

    Original Poster

    No any company can search your file at anytime. You wont be aware till you check your credit report. I have contacted EQUIFAX who confirm they are quiet within thier rights..........:x

    Another reason to avoid littlewoods.

    morning snowtiger

    phatboy123;3766867

    Another reason to avoid littlewoods.morning snowtiger


    morning phatboy :thumbsup:


    I can't believe they can just do this without consent when it so clearly affects people!

    hiya might sound a bit thick here but how do you know they have done a credit check on you,is there a way i can find out if they done this to me cause i orderd loads of stuff lastweek????

    no real suprise especially if you buy a item on finance

    Banned

    bargainseeker;3766846

    No any company can search your file at anytime. You wont be aware till … No any company can search your file at anytime. You wont be aware till you check your credit report. I have contacted EQUIFAX who confirm they are quiet within thier rights..........:x



    Well, as long as they're keeping it quiet that's all right.:whistling:

    Good thread m8.

    I am having so much problems with littlewoods, even with their discounts..... was even sent the letter!

    Please no one buy from them ever again..... LET LITTLEWOODS DO A WOOLWORTHS and bu**er off!

    fell much better now.lol

    Happy holidays.

    Original Poster

    You will be only be able to see they have done it when you get your credit file. I agree they should be able to do this if you want items on finance but if your paying up front it stinks. I ordered several items and now have 2 recorded searches which can affect the rate i get on my mortgage when i apply. As equifax state - the more searches the lower your credit score - the lower your credit score the higher the risk - higher interest rate...... IT SUCKS :x:x:x

    Banned

    i imagine they would state this in their terms and conditions which most people dont bother to read

    Password protect or freeze your credit file then you will not get this problem.

    Make sure you know the pro's and con's before doing this. Research.

    You may not get much help from the Credit File companies.

    hottoshop;3768320

    Password protect or freeze your credit file then you will not get this … Password protect or freeze your credit file then you will not get this problem.Make sure you know the pro's and con's before doing this. Research.You may not get much help from the Credit File companies.



    How can we do this? I have questioned this before and was told I couldnt protect my file, as I am giving such companies those rights.
    Seasons Greetings :santa:

    what is the problem with people doing a credit check on you ? i personally dont have a credit card but to build myself some points for when the time comes, for me to buy a house i was going to get one and jst buy like a £100 item and pay it off in installments, so what is the big deal with ppl doing credit checks ?

    surely they only do a credit check if you are actually applying to use there credit facility not on normal card puchases that are paid straight away.

    I was seriously effected by companies doing this. I even went to see the bank manager as they wouldn't give me a credit card. I had a lot of savings in the bank, never missed a payment on my car loan, etc. I didn't want the card just wanted to build up a good credit rating and pay it off in full each month.

    The bank told me it was probably when I got my car finance through Arnold Clark. She said they would have searched loads of finance companies who would have all done credit checks on me. A few years down the line, thank god it never effected me getting a mortgage and the bank eventially offered me a credit card, at last! (I've only used once and paid off in full)

    So I am a bit miffed about Littlewoods, etc doing credit checks when I always pay by debit card. This could wreck my credit score again, which could seriously effect my interest rate when re-mortgaging! How can they do this I am not enetering an a credit agreement paying up front?

    Original Poster

    The problem is that if you are planning to apply for a mortgage/loan and you have lots of searches on your file this will lower your credit score.As you may be aware the lower your score the higher the interest rates.

    ouch, i think i will use my littlewoods accound instead from now on then

    When paying by debit or credit card it does not affect your credit report. The only thing that will affect your credit is when making applications for credit

    A shame the banks didn't do better credit checks before pressuring people to take on loans they had no way of paying back..

    Merry Christmas and good luck for 2009, I think we'll all need it :santa:
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