On 2nd april 2011, seeing the ABSOLUTELY FREE posters everywhere on www.CreditScoreMatters.co.uk website, I registered for a free credit score check. It was (and is still) not stated anywhere on the website that this is a 10 days trial service and their monthly charges are 19.95£ (insanely expensive). This information was only provided in small print within their registration confirmation email which I read very late.

About a week after registration, I received a letter from www.CreditScoreMatters.co.uk stating that they cannot access my credit information and It is probably because I am not enrolled in electoral register. This is a completely false statement as credit score checks are not dependent on electoral registration even though it does imply a positive impact on the score. It was quite clear that as they cannot provide me the promised service, I am not required/entailed to be their member anymore.

On 16th apr, I was charged 19.95£ by www.creditScoreMatters.co.uk. To my horror, I was also charged the same amount by www.rewardsNow.co.uk on the same date. Both companies belong to adaptive affinity. I never heard the name of RewardsNow.co.uk before this. In answer to my email regarding these falsely deducted amounts they clearly stated that nothing can be done about the deductions but they have cancelled my membership, meaning that I will get nothing at all for my money.

Seeing my bank statement with these completely unexpected transactions, I referred back to their registration email (the only correspondence they had with me apart from the letter advising electoral registration). That is when I saw in the small print stating about 10 days free trial and 19.95£ monthly charges.

As www.CreditScoreMatters.co.uk is completely unable to provide me the service during the trial period, and as I never opted for an added membership of www.RewardsNow.co.uk, I would request to have the full amount (19.95£+19.95£) refunded and will otherwise pursue this case with regulatory authorities.