Just under 2 years ago I bought a car through Creditplus. Excellent car, very helpful etc etc.

Today I called Creditplus as i am interested in changing cars. I simpy wanted to know if they would take the car i have now back and supply me with another without the process of having to hand my car back and redo all the finance etc. It was a simple question.....or so i thought.

Having just checked my credit file, i find they have performed a credit search on me. They never said they would do this, i never gave my permission for them to do this.

Can they do this without my authorisation? Any answers gratefully accepted.