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Claim Your BusinessStore-Credit.co.uk has a rating of 1.42 stars from 52 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers complaining about Store-Credit.co.uk most frequently mention payday loan, action fraud, and trading standards problems. Store-Credit.co.uk ranks 843rd among Discount Shopping sites.
Thought I was getting a £400 loan and realised after it was a store credit thing, they have had just over £150 from my bank, I just phoned them and got through to someone after 3 long attempts, now bearing in mind I've never even logged into the account, got told no refund on the money that they have taken, is there anything I can do about this?
Tried to email to cancel after applying in error from a third party site (was supposed to be a pay day loan). Then rang numerous times with no answer from there number listed on site. Had to call bank to block any payments, luckily I had no money in account when they tried to take funds. I have reported these to the police as they do not respond to requests and just seem to take money.
Tried to email to cancel after applying in error from a third party site (was supposed to be a pay day loan). Then rang numerous times with no answer from there number listed on site. Had to call bank to block any payments, luckily I had no money in account when they tried to take funds. I have reported these to the police as they do not respond to requests and just seem to take money.
I applied for a loan and said I had £200 after signing up I got £200 to spend with them on their $#*! products. They took £67 bank was wary about giving money back but I found these reviews and rang them and told them it's not just me. I got my money but it could get taken back. I've reported to trading standards and everyone should do them same and get them shut down. Fingers crossed and good luck to anyone else who falls for their trap
Again i hope i read this before ive applied! I was looking for a cash loan and got that! 300£ and i thought ok its a store catalogue i needed the money for some furniture so i'll be able use it anyway. But i didnt find anything worthy and interesting so i just left it. And then 75 quid went of my bank! I rung them they've cancelled my account but never give my money back as they say it was administration fee that they cant refund!
The same has happened to me exactly what the people are saying on here. I Wanted a loan somehow they gave me store credit (very confusing) so I thought I will spend some of my store credit on laptop and It wouldn't let me order and wants £40fee extra when laptop cost £200 It does not make sense at all. So I phone and emailed them constantly but No answer. IT'S JUST A SCAM
Had no money or products but they took 49.95 out of my bank from card! Then had set up a cpa in the name of a company called what lenders see! So cancelled that and my card! They then sent me a text to fill out a form to cancel my account! Which only asked for my bank sort code and account number plus a digital signature! Did not ask my name or for an account number for catalog club! So plane to see it was not going to be a refund as you don't have to sign for that conning b******s stay clear!
You CANNOT view the products before you sign up to their continuous payment authority therefore you cannot see that the products are ridiculously overpriced! A tumble dryer that would cost £200 in Currys or Argos is double that price in here. I never spent any money with them and they still took £49.50 out of my bank account. When I called to cancel my account, they told me i wouldn't be entitled to a refund! Robbing, scamming, thieving scum.
I accidently signed for this thinking it was a payday loan. The next day 65.90 gone from my account. Cant get a refund from the bank and cant get threw to these con artists on the phone. Emailed 3 times and still no reply. Stay clear at all costs. Absolute fraudsters who need locking up
I going to say this I know where there $#*! in offices are and who runs the company if anyone got the balls because they don't refund you and y can't do $#*! all about it. Contact me because I'm going serve my own justice om these picks if anyone want to join me in the fight against the banks and illuminate contact me strength in numbers $#*! the police let's rob them $#*!s for all they got and beat there as at the same time
Do not trust this company. Gave me 350 today as I needed a washing machine. They immediately took a small amount from my account then sent repayment day starting tomorrow! I haven't spent anything, nor will I be after seeing their prices. Tried calling. Qued ages then line goes dead! Had to contact my bank to let them know not to give these scammers any more of my money. Will be contacting trading standards too. How the hell do they think they can take my money when I've not bought anything. Absolutely furious, God help the person who does eventually take my call, I would be ashamed to work for this so called company!
This company is an absolute disgrace it robs people who are obviously in desperate need of credit... such as myself looked into getting a few items for Christmas applied didn't make an order because the stick they were offering wasn't very good at all! They tried to take some money out of my account even though I hadn't ordered anything; fortunately I didn't have enough money in my account for them to take they now say I owe them £200... for what?
My bank want proof that it originally advertised it as a cash loan but I can't remember what site it was that took me to them? As when you go on store-credit.co.uk it just advertises the credit option which we all know this wasn't what we originally was told when we where all trying to get the cash loan we surposedly where told we where accepted for. Anyone help and remember how they got to this company through a loan search and which site it was?
I got sucked in to thinkin it was a payday loan didnt use the credit 2 days later they took over 75 pound out of my account told my bank they said they wound contact them then i got a letter of the bank saying it was my fault as i signed up so didnt get a refund. The thing is when your desperate you dont look at the review first but i will not make this mistake again been ripped of by two companys this one and happy crocky please beware im sick of getting ripped of
They signed me up fraudulently, the signed contract is not hers (hence the Fraud). They attempted to take money, but could not as I proceeded to cancel any transactions from them. I suggest you consider filling a report with Police *******040 and close these scammers down
Said I signed contract for which I have no knowledge. Money taken out of account. Complained email and got no response. Phoned them and they were horrible that's when they answers. Reported financial ombudsmen. Stay away. Then they kindly refund me the sum of £25 so I am still out of pocket for nothing so I am taking this further. This cannot be legal
I dont think there as bad as people are making out. I signed up accidentally as was excepting a payday loan doc but they where really nice over the phone and cancelled it straight away. I would def use them again if needed
Have opened a fraud case with Manchester police and actionfraud I suggest you all do the same store credit has ceased to exist and catalog club are still in business but refusing to issue refunds anyone they needs information or help about this I will be more than happy to provide you with information I have
scam asked to stop spamming said i applied for loan calling me a liar.What a way to do business!!! I posted reviews last year saying i had asked them to stop they said they would and have not do not do business with them. i have forwarded to action fraud. to make them aware and there liars they illegally obtain your information and call you a liar to be WARNED
The big problem with them is that they don't explain clearly enough what their service is and how it works etc, this is why I think they are getting a lot of bad reviews and why many understandably think they are a bunch of scam artists, I don't think they are but I can see why a lot do think they are, it's the companies fault for their lack of communication, if a company doesn't answer emails or other kinds of messages then of course people are going to get concerned that it might be a scam, the company ought to understand this and answer any form of contact promptly otherwise they will lose business by the bucket load and get a bad rep, so it's in their interest, the idea itself is alright though.
I applied to these guys after they sent me several text messages informing that my loan for X amount had been approved. There was no mention in any stage of the application process that in fact they weren't a loan company at all. They constantly go on about putting the money straight into your bank account when in fact this isn't the case at all.
After reading the reviews posted on this site and others, I contacted my bank first and foremost, to make sure that other than the 15p pre-auth payment they took, there was no way they were going to get any other money from me. I cancelled the Continuous Payment Authority (CPA), and then went as far as to have my card re-issued, as better safe than sorry.
This is the email I sent them, I'm posted it in case the content is useful to anyone else:
Hi Store Credit,
I wish to withdraw from this agreement with immediate effect on the grounds that I was mis-sold this product. At no point during the application process was I made aware that in fact I was applying for Catalogue Credit, and not a payday loan. I was told by your website that the funds would be available in my bank account and this evidently is not the case.
Your credit agreement has many unenforceable elements as well. For instance, how can I pay back all credit when I haven't spent anything. Just close my account and you will get your credit back.
Your agreement states that the first payment is due one calendar month after the date of the agreement (which would be 20/03/16), but then on other paperwork you have sent me, you inform me that my first payment is due on 25/02/16), which is not even the 7 days minimum notice you would have to give to a valid payment request. Your agreement also speaks about accrued interest becoming due after late payment, and yet the interest rate is quoted as being 0.0% so how is this possible?
I have informed my bank of the fraudulent nature of your company, I've cancelled the Continuous Payment Authority and I've had my cards re-issued to ensure you receive no payments from me, for credit I haven't used, through your fraudulent catalogue firm that poses as a payday loan provider.
If you fail to withdraw me from this agreement I will have no choice but to report you to Action Fraud. I will also inform the ICO, FCA and Financial Ombudsman of your unwillingness to co-operate and issue them with a copy of your bogus credit agreement for their records.
Kind Regards
**UPDATE**
Two days after sending this email, I received a one-line email informing me that my account had been closed. Hopefully this will be the end of it.
Signed up by mistake they took 75.00 pound out my account. I phoned to close account they said I needed to send a pic of bank card and either passport or driving listens so I phoned the bank. Bank told me I had been lucky THIS IS AN IDENTITY SCAM. Pleased I phone bank before handing anything over. Beware of this company
Thought I was getting a £400 loan and realised after it was a store credit thing, they have had just over £150 from my bank, I just phoned them and got through to someone after 3 long attempts, now bearing in mind I've never even logged into the account, got told no refund on the money that they have taken, is there anything I can do about this?
I asked for cash loan and not credit to by stuff. I dont understand, i dont want this
Do not have anything to do with this company. They will keep taking money out of your account even when you cancel membership. I am getting sick and tired of emailing them and filling in forms to cancel only to find they are still taking money. I am seriously considering legal action. Avoid this company at all cost
Wish i did not signed now thought this was a payday loan dont want a store credit loan misleading i signed up by mistake and now worried they will be taking 62.50 from my account they are misleading and now worried ill be overdrawn with bank ill be phoning them up monday and bank also to try canceling it store credit is useless to me and no money has gone into account anyway misleading
Waking this morningvto see 200 quid gone from my account by these scammers. Not even orered anything was redirected to them as i applyied for a cash loan... lucky my bank is paying me the money back and i have cancelled my debit card so they cant try to take anymore payments... how are they getting away with it
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