Ordered sofa on 3 Jan. Was going to pay cash but was talked into their 0% finance having been assured 5 times that it was only a ‘SOFT’ search and everyone was accepted. However 3 days later I received an email saying my finance had been declined. The finance company made 3 further ‘HARD’ searches and sent more emails advising that my finance had been declined. All these searches showed on my credit rating and as such reduced my rating substantially. It is illegal to carry out a hard search on a persons credit rating without permission and I shall be submitting a complaint to the CFPB about this. At no point did DFS contact me. I made 3 calls to them to find out what the situation was regarding my order but no-one could help. Finally I was advised that my order had been cancelled but I have yet to receive written confirmation that this is the case. I have telephoned several times and emailed twice for someone to call me but had no response. I am appalled by the lack of contact and updates from DFS. Dreadful customer service. They may be busy but so am I and I have wasted hours trying to contact them