Hi Helen,

I am the author of the original posting on this. I have been in contact with Rewards Now and Credit Expert from Experian. Rewards Now insisted that a registration screen for their service appears upon competing the Quick Credit Score which needs to be completed and submitted. I saw no such screen and submitted no such agreement. Credit Expert insisted that 'there is no such screen' but passed the buck to me, saying it was a matter purely between me and Rewards Now and they would not get involved in further correspondence. The director's office rep at Credit Expert, I will add, was not only inaccurate in his recollection of the correspondence we'd actually had, but also blase and, actually, incredibly rude. I've refrerred the whole sorry saga to the Financial Ombudsman, and impressed pretty firmly on Rewards Now that they shouldn't take money from my account again - successfully, I hope. However, the fact remains that my £30 has disappeared for an unsolicited and undelivered service, with almost certainly no chance of ever getting it back. I'd advise all consumers to keep a very close eye on their bank accounts, and to give these unaccountable and complacent credit agencies as much of a wide berth as possible - because you certainly won't get any help from them if you get ripped off. "Free trial", my eye.