Anyway, I noticed today that £14,95 had been debited from my Natwest Step account according to my online banking service with Natwest. How could I have made an online debit card transaction when I was asleep in bed I ask myself.
I have not been out of the house all day, so I have not made any transactions with my debit card in any shop, and I have made no purchases online with my debit card, so I was curious as to what this £14,95 related to.
Upon ringing my bank and finally getting to speak to a human, (press 1 for this, press 2 for that blah blah blah and listening to a lot of mundane music inbetween), I was told that a company called quickcreditscore.co.uk had taken this £14,95 off of my debit card. But the bank clerk was unable to tell me anymore and suggested I ring another department on Monday.
Before I *googled* for quickcreditscore.co.uk, I had no idea who quickcreditscore.co.uk were and I certainly never gave them my debit card details or authorised any such transaction. How have they obtained my debit card details?
Apparantly Natwest cannot do anything about this until Monday when I have to contact them on a certain 0845 number. And there is also no answer when contacting quickcreditscore.co.uk on another 0845 number. They too are closed over the weekend.
I'm furious about this and most concerned as this £14,95 would appear to be a monthly subscription fee.
So, my questions are:-
(1) How did this company obtain my debit card details?
(2) As I have no knowledge of this company and certainly gave no authority for them to take £14,95 out of my account, are they obliged to refund me?
(3) If they will not give me my money back, can I make a claim against Natwest to get my money back?
(4) How can I prevent them from debiting further sums of money from my account without my knowledge or permission? As this amount would appear to be a monthly subscription in order for me to access my credit file, what is to stop them from debiting my account next month for another £14,95? I have not signed up with quickcreditscore.co.uk to the very best of my knowledge.
£14,95 might not sound a lot but it equates to just under three weeks electricity money for me.
Any advice and help on what I should do now would be very much appreciated.