Credit account with no credit

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Aubreet79's review of Freemans www.freemans.com

“Credit account with no credit”

★☆☆☆☆

written by Aubreet79 on 27/01/2015

I opened my Freemans Flex account to get a better credit rating. Never been anywhere near my credit limit... Ordered items every few months to keep the account running and always paid on time.. Two days ago I ordered a product, went to track it today to find the order has been cancelled.. Phoned customer services to be told that every product ordered is subject to an internal and external credit check??? (lies) even though my flex account only has a £10 balance on it, and my account was showing that I had 190 credit available, they had not let me order a product for £40!?!

What's the point in running a credit account if they don't let you use the credit that is stated on the account?

Anyway I paid my £10 balance bad have now closed the account!

Strangely another catalogue I set up Around the same time (lower APR, quicker deliveries, better products) emailed thr day after telling me they had doubled my limit to £2500! So Freeman's 'credit' checks are very out of touch.. done me a favour while losing a customer

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Andyp763's Comment

Written on: 21/08/2015

all credit accounts no matter what company it is regularly check with other credit companies you are with whether it be credit cards, mobile phone contracts etc and if you have high credit limits, missed payments or generally credit with other companies, this can mean sometimes you are seen as a risk and companies have the legal right to refuse credit at any time, despite you may have paid them correctly, it is the 'risk' factor.

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