Reading all the recent reviews it is hard to believe that all these customers have all not understand the terms of the arrangement and am surprised they can still justify their stance. I had an unp... See more
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0 stars if possible single mum struggling I would not agree or sign up to £20 a month as I’m skint Tried emailing countless times to not hear anything back people need to steer clear as they just d... See more
Company replied
Didn’t want free trial but had to have it. Tried several times to cancel, but couldn’t, even tried blocking them from taking payment from me, yet somehow they managed to and now it’s impossible to get... See more
Company replied
they took 20 quid out of my bank when it only asked to take out 9p. i did not want this now my bank account is in overdraft thanks to yous. i want to cancel my subscription so it does not continue to... See more
Company replied
Company details
Written by the company
Credit Chum is an exciting subscription-based service that gives you access to personalised finance and credit offers, an opportunity to access your credit report and you may gain additional insights into your social report.
Contact info
United Kingdom
- creditchum.co.uk
1.2
Bad
174 reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
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Scam company, sell your details
This company sold my details do not use
December 1, 2022
Unprompted review
Reply from Creditchum
Hi Luke,
Credit Chum is a legitimate company, full details of which can be found on our website: https://www.creditchum.co.uk.
We offer a subscription-based service that provides many benefits including access to various offers, an opportunity to access your credit report, Credit Chum Protect and additional insights via your social report.
Based on the information in your review we are unsure if you have used our services as such we kindly ask that you contact us directly via https://www.creditchum.co.uk/contact_us quoting reference "Trust Pilot: Luke Butler" should you have any queries.
Kind regards,
The Credit Chum Team
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I contacted my bank and they advised my…
I contacted my bank and they advised my details had been sold. I have tried contacting them to have this refunded but no response at all. I've never heard of this company and it's honestly disgusting that I cannot get a refund. Its close to Christmas and there is a living crisis. It may be just £20 but that can go toward my living expenses and now short of funds. They say they'll get back to you within 2 working days, but absolutely nothing. Disgusting and shocking behaviour.
December 2, 2022
Unprompted review
Reply from Creditchum
Hi Hope,
We would like to reassure you that we read and respond to all customer enquiries.
We endeavour to do so within 2 working days, but on occasion this sometimes takes slightly longer so we apologise in advance if this has occurred. We would also ask that you check your spam / junk folder in case our reply has not gone into your inbox.
If you cannot see a reply from us, and it has been 5 days or more, can we kindly ask that re-contact us via https://www.creditchum.co.uk/contact_us quoting reference "Trust Pilot: Hope" so that we can attempt to resolve this for you.
Kind regards,
The Credit Chum Team
More organised than the Mafia
More organised than the Mafia !
Avoid these crooks at all costs. Obtained money through deception and have been reported to my bank, they are after more money and pray on vulnerable people.
They will spout their standard pre typed response for that I am sure.
More bent than a politician
December 2, 2022
Unprompted review
Reply from Creditchum
Hi Andy,
Based on the information in your review, we are unsure if you have used the services of Credit Chum or not.
Credit Chum is a legitimate company, full details of which can be found on our website: https://www.creditchum.co.uk. We offer a subscription-based service that provides many benefits including access to various offers, an opportunity to access your credit report, Credit Chum Protect and additional insights via your social report.
If you would like to discuss anything further, or have additional questions about the service then please contact our Customer Services Team via https://www.creditchum.co.uk/contact_us quoting reference "Trust Pilot: Andy MacMillan"
Kind regards,
The Credit Chum Team
Avoid all costs
I applied for a short term loan and somehow unfortunately ended up on here. Nowhere does it say there’s a £19.99 charge. Emailed customer service (probably one person sat in a portacabin) scam company be careful
November 26, 2022
Unprompted review
Reply from Creditchum
Hi Paul,
Credit Chum is a subscription-based service that provides access to various offers, an opportunity to access your full credit report, Credit Chum Protect and additional insights via your social report. We would like to make it clear that Credit Chum does not charge users for applying for a loan (nor is it stated that you are approved for a loan), the monthly payment that we charge is to enable us to provide the services outlined above.
We can see in your review that you have already contacted Customer Services team and they will be in touch to discuss further.
Kind regards,
The Credit Chum Team
Con, spam, abusing disabled personal
Didn’t want free trial but had to have it. Tried several times to cancel, but couldn’t, even tried blocking them from taking payment from me, yet somehow they managed to and now it’s impossible to get hold of anyone about my refund! I’ve had to change bank cards and open new account, I’m utterly and totally disgusted by their service. I’m disabled and they’ve caused my mental health and anxiety to become a major negative factor for me and my health! Reported to police now
November 29, 2022
Unprompted review
Reply from Creditchum
Hi Mark,
Credit Chum is a subscription-based service that provides access to various offers, an opportunity to access your full credit report, Credit Chum Protect and additional insights via your social report.
We are transparent throughout our sign-up process that this is a £19.99 per month subscription-based service and no free trial is offered.
We kindly ask that you grant us the opportunity to resolve this situation, as such please can you re-contact our Customer Services team via https://www.creditchum.co.uk/contact_us quoting reference "Trust Pilot: Mark Lyddon"
Kind regards,
The Credit Chum Team
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Scammers
Ive been charged 19.99 and 0.09. I reported them as a scammers to my bank
December 1, 2022
Unprompted review
Reply from Creditchum
Hi Samanta,
We kindly ask that if you would like to request a refund that you contact our Customer Services team via https://www.creditchum.co.uk/contact_us quoting reference "TP: Samanta Nguyen".
Kind regards,
The Credit Chum Team
Reply from Creditchum
Hi Duncan,
If you have an account and would like to discuss this further with us, please contact our Customer Services team via https://www.creditchum.co.uk/contact_us quoting reference "TP: Duncan Martin".
Kind regards,
The Credit Chum Team
I have just been scammed by these…
I have just been scammed by these villains for £40.09 I never signed up for nothing. Stay well clear these are crooks and all banks are aware of their fine print manipulation to deceive people
November 28, 2022
Unprompted review
Reply from Creditchum
Hi Peter,
Credit Chum is a subscription-based service that provides many benefits including access to various offers, an opportunity to access your credit report, Credit Chum Protect and additional insights via your social report.
We are transparent throughout our sign-up process that this is a £19.99 per month subscription-based service, and it is the choice of the user on whether they wish to sign-up to the service. To become a member of Credit Chum and for the payment to be taken you must agree to the terms and conditions of the service and complete the sign-up process.
Of course, we understand that this service may not be the right solution for everyone, so should you feel the service is not right for you then there is no obligation for you to sign-up. If you choose not to sign up for the service, then you will not have access to Credit Chum and you will not be charged the £19.99 subscription fee.
As we do not charge customers who have not agreed to the service / signed-up to Credit Chum we take allegations of this very seriously. To enable us to look into this for you, we kindly ask that you re-contact our Team quoting reference “TP: Peter Luba“ at your earliest convenience via: https://www.creditchum.co.uk/contact_us
Kind regards,
The Credit Chum Team
Pure scamming b******s
Pure scamming b******s, somebody stole my infomation and tried to take a loan or something and now these thieves trying to charge me 19,99 for nothing, payment won't go through as i reported it to bank as scam
November 25, 2022
Unprompted review
Reply from Creditchum
Hi Geeza,
Credit Chum is a subscription-based service that provides many benefits including access to various offers, an opportunity to access your credit report, Credit Chum Protect and additional insights via your social report.
We are transparent throughout our sign-up process that this is a £19.99 per month subscription-based service. In order to become a member of Credit Chum and for the payment to be taken the card details must be entered, and the terms of service agreed to.
If you believe that someone has used your information to sign up to our services we kindly ask that you contact us at your earliest convenience so that we can look into this as a matter of urgency.
Please can you contact our team via https://www.creditchum.co.uk/contact_us quoting reference "Trust Pilot: Geeza".
Kind regards,
The Credit Chum Team
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AVOID AVOID AVOID I've never used thier services nor do I…
Edit: 27/11/22
Ive just had a very non sympathetic email back staying they are transparent and have done nothing wrong and are very transparent. Pleae be aware they take a charge of 9p out to start then they keep attempting to take the other £20 out at random times of the night! Yes they have got £20 out of me, witch i will have to take on the chin! What cracks me up is i dont even have any social media!
Modern day loan shark who donr provide you with anything! A
AVOID AT ALL COSTS, Ive had to contact my bank who have put a permant block on and have advised me to do a disputes form.
iveI've never used thier services nor do I recall signing up, for a few months now they have attempted to take £19.99 out my bank but I don't nor ally keep my money in my account, today they succeeded! I've contacted them and awaiting a reply, I've also contacted my bank to block any further payments! Daylight robbery!
November 25, 2022
Unprompted review
Reply from Creditchum
Hi Liam,
Credit Chum is a subscription-based service that provides many benefits including access to various offers, an opportunity to access your credit report, Credit Chum Protect and additional insights via your social report.
We are transparent throughout our sign-up process that this is a £19.99 per month subscription-based service, and it is the choice of the user on whether they wish to sign-up to the service. To become a member of Credit Chum and for the payment to be taken you must agree to the terms and conditions of the service and complete the sign-up process.
Of course, we understand that this service may not be the right solution for everyone, so should you feel the service is not right for you then there is no obligation for you to sign-up. If you choose not to sign up for the service, then you will not have access to Credit Chum and you will not be charged the £19.99 subscription fee.
As we do not charge customers who have not agreed to the service / signed-up to Credit Chum we take allegations of this very seriously. Based on your review we can see that you have already contacted our team, please be assured that someone will come back to you.
Kind regards,
The Credit Chum Team
Is scame I want my money back bicause…
Is scame I want my money back bicause is ask for 0.90 and is take 19.99 I'm send email and is speak bicause is take 2_3 days and nothing I want my money back ASAP
November 23, 2022
Unprompted review
Reply from Creditchum
Hi Sorina,
So that we can attempt to resolve this for you, if you haven't already, please can we kindly ask that you contact our Customer Services team via https://www.creditchum.co.uk/contact_us quoting reference "Trust Pilot: Sorina Noje".
If you have already contacted our team please note that we endeavour to reply to all enquiries within 2 working days, but on occasion this can take longer. However, please be assured that someone will come back to you.
Kind regards,
The Credit Chum Team
Absolute scumbags of a company
Absolute scumbags of a company. Literally steals money from applicants.
Check their info on Companies House and you'll also find the CEO is a wrong one if you know what I mean
November 9, 2022
Unprompted review
Reply from Creditchum
Hi Alex,
Based on the information included in your review we are unsure if you have used the services of Credit Chum.
However, we would like to clarify that Credit Chum is a legitimate company, full details of which can be found on our website: https://www.creditchum.co.uk. We offer a subscription-based service that provides many benefits including access to various offers, an opportunity to access your credit report, Credit Chum Protect and additional insights via your social report.
We are transparent throughout our sign-up process that this is a £19.99 per month subscription-based service, and it is the choice of the user on whether they wish to sign-up to the service. To become a member of Credit Chum and for the payment to be taken you must agree to the terms and conditions of the service and complete the sign-up process.
If you have used the service and would like to discuss further, please contact us via https://www.creditchum.co.uk/contact_us quoting reference "Trust Pilot: Alex Firth".
Kind regards,
The Credit Chum Team
SCAM
As also stated from other people. I read that you CAN sign up for the subscription but did not accept that. However I went ahead with the loan I was "provisionally accepted" for and they just needed 9p to confirm my bank account was real for payments back to them.
Then to be told I haven't been accepted for the loan, check my bank they've taken the subscription amount of £19.99. Then in messages telling me I won't get refunded because I must have accepted the subscription when I made sure I purposely avoided signing up for that !! I didn't even have an account to message them I had to set up a password so how can I have created an account and subscription???
I am desperate for money due to a misunderstanding with my wages and now they've taken my last 20 pounds.
November 21, 2022
Unprompted review
Reply from Creditchum
Hi Kirsti,
We believe that you are already in communication with our Customer Services Team, and they will come back to you shortly.
As has been explained Credit Chum is a subscription-based service that provides access to various offers, an opportunity to access your full credit report, Credit Chum Protect and additional insights via your social report.
We would like to make it clear that Credit Chum does not charge users for applying for a loan (nor is it stated that you are approved for a loan), the monthly payment that we charge is to enable us to provide the services outlined above.
Kind regards,
The Credit Chum Team
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I am lucky that I read these reviews…
I am lucky that I read these reviews before submitting my application as they absolutely DO NOT make it clear at any point that they are also going to charge me £19.99 on top of the 9p.I found it weird that you would be asking for my full bank account including card number and security code before even agreeing to give me a loan as I have a loan before that only required my account number and sort code so idk if you was planning on selling my card details or something as well? Hope your company goes under soon you absolute snakes.Look forward to my copy and paste reply :)
November 20, 2022
Unprompted review
Reply from Creditchum
Hi Jewel,
Credit Chum is a subscription-based service that provides access to various offers, an opportunity to access your full credit report, Credit Chum Protect and additional insights via your social report.
Credit Chum is not a lender, and we do not charge users for applying for a loan (nor is it stated that you are approved for a loan). The monthly payment that we charge is to enable us to provide the services outlined above, and in order to take payment (from users that have signed up to the service) we do require card details.
Kind regards,
The Credit Chum Team
avoid at all costs total rip of took 9p…
avoid at all costs total rip of took 9p from my bank then 19.99 they took from my bank I've emailed them a number of times and they are trying to get out of getting my refund back disgusting
November 19, 2022
Unprompted review
Reply from Creditchum
Hi Julie,
Based on the information in your review, we believe that a refund has been issued. As has been advised, depending on your bank this can take 5-7 days to reach your account.
If there is anything that you would like to discuss further please reply to the email that has been sent from our Customer Services Team.
Kind regards,
The Credit Chum Team
Same as many reviews
Same as many reviews. I did not sign up for any 19.99 service but they deemed to try to take the money from my bank. Ha Ha scumbags I had froze my card to online and remote shopping and transactions !! Highly illegal what they try to do. Take 9P then take a monthly fee that you do not sign up for BE AWARE
November 16, 2022
Unprompted review
Reply from Creditchum
Hi Paul,
Credit Chum is a legitimate company, full details of which can be found on our website: https://www.creditchum.co.uk. We offer a subscription-based service that provides many benefits including access to various offers, an opportunity to access your credit report, Credit Chum Protect and additional insights via your social report.
We are transparent throughout our sign-up process that this is a £19.99 per month subscription-based service, and it is the choice of the user on whether they wish to sign-up to the service. To become a member of Credit Chum and for the payment to be taken you must agree to the terms and conditions of the service and complete the sign-up process.
As we do not charge customers who have not agreed to the service / signed-up to Credit Chum, we take allegations of this very seriously. If you feel that this has happened, please can you contact our Customer Services team quoting reference "Trust Pilot: Paul Whale-Maskell" at your earliest convenience via: https://www.creditchum.co.uk/contact_us so that we can investigate this as a matter of urgency.
Kind regards,
The Credit Chum Team
Fraud company I didn't subscribe
Fraud company I didn't subscribe and they took 19.99 out of my account, anyone this happend to should contact the fraud department
November 17, 2022
Unprompted review
Reply from Creditchum
Hi Geth,
We do not charge customers who have not agreed to the service / signed-up to Credit Chum so we take allegations of this very seriously. If you feel that this has happened, please can you contact our Customer Services team quoting reference "Trust Pilot: Geth Creator" at your earliest convenience at https://www.creditchum.co.uk/contact_us so that we can investigate this as a matter of urgency.
Kind regards,
The Credit Chum Team
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Just an absolute rip off
Just an absolute rip off, they openly transparently say we will charge 9p then hide the fact it will also cost a further £19.99. I was desperate enough to look at this and they have emptied my account, my kids have gone to school unfed this morning. Total rip off of a company that I will be reporting to the financial ombudsman. They are basically loan sharks but without the abiblity to loan
November 14, 2022
Unprompted review
Reply from Creditchum
Hi Ali,
Based on the information in your review, we believe that you spoke to our Customer Services Team and a refund was issued. Please note depending on your bank this can take 5-7 days to be in your account.
If you would like to discuss this further please reply to the last email that our Customer Services Team sent.
So as not to mis-inform other customers, we would like to clarify that we are transparent throughout our sign-up process that this is a £19.99 per month subscription-based service, and it is the choice of the user on whether they wish to sign-up to the service. To become a member of Credit Chum and for the payment to be taken you must agree to the terms and conditions of the service and complete the sign-up process.
We would also like to make it clear that Credit Chum does not charge users for applying for a loan (nor is it stated that you are approved for a loan), the monthly payment that we charge is to enable us to provide services such as an opportunity to access your credit report, Credit Chum Protect and additional insights via your social report.
Kind regards,
The Credit Chum Team
I applied for a loan online and got…
I applied for a loan online and got redirected to their website in which I thought Creditchum was a loan company. Then I get charged £19.99 for a service I will never use I contacted them twice about a refund and heard nothing I closed account and contacted my bank and got a refund only now to find out my bank has reversed the process and gave them my money back a complete scam.
November 16, 2022
Unprompted review
Reply from Creditchum
Hi Tuco The Ugly,
Credit Chum is a subscription-based service that provides many benefits including access to various offers, an opportunity to access your credit report, Credit Chum Protect and additional insights via your social report.
We are transparent throughout our sign-up process that this is a £19.99 per month subscription-based service, and it is the choice of the user on whether they wish to sign-up to the service. To become a member of Credit Chum and for the payment to be taken you must agree to the terms and conditions of the service and complete the sign-up process.
We would like to make it clear that Credit Chum does not charge users for applying for a loan (nor is it stated that you are approved for a loan), the monthly payment that we charge is to enable us to provide the services outlined above.
Of course, we understand that this service may not be the right solution for everyone, so should you feel the service is not right for you then there is no obligation for you to sign-up. If you choose not to sign up for the service, then you will not have access to Credit Chum and you will not be charged the £19.99 subscription fee.
We do reply to all Customer Service enquiries, so if you have not heard back after submitting a request we kindly as that in the first instance you check your spam folder.
If you cannot locate a reply and still need help, please re-contact our team via: https://www.creditchum.co.uk/contact_us quoting reference "Trust Pilot: Tuco The Ugly".
Kind regards,
The Credit Chum Team
Can't believe you let trade the worst…
Can't believe you let trade the worst scammers hope the money you take from me you going to spend on medicine congratulations team
November 16, 2022
Unprompted review
Reply from Creditchum
Hi Renato,
Credit Chum is a legitimate company, full details of which can be found on our website: https://www.creditchum.co.uk. We offer a subscription-based service that provides many benefits including access to various offers, an opportunity to access your credit report, Credit Chum Protect and additional insights via your social report.
We are transparent throughout our sign-up process that this is a £19.99 per month
subscription-based service, and it is the choice of the user on whether they wish to sign-up to the service. To become a member of Credit Chum and for the payment to be taken you must agree to the terms and conditions of the service and complete the sign-up process.
Of course, we understand that this service may not be the right solution for everyone, so should you feel the service is not right for you then there is no obligation for you to sign-up. If you choose not to sign up for the service, then you will not have access to Credit Chum and you will not be charged the £19.99 subscription fee.
For further information please see:
FAQs: https://www.creditchum.co.uk/faqs
Refund Policy: https://www.creditchum.co.uk/refund_policy
You contact Customer Services via: https://www.creditchum.co.uk/contact_us quoting reference "Trust Pilot: Renato Cristini"
Our team will endeavour to come back within 2 working days, sometimes this can take a little longer, so we apologise in advance if there is a delay, but please be assured that we reply to all customer enquires as quickly as we can.
Kind regards,
The Credit Chum Team
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