topic Re: switching from business to consumer in Other Products and Services

switching from business to consumer

janeymfitz — Wed, 25 Oct 2023 09:36:55 GMT

im now retired. My partner and I wish to keep our numbers but switch to consumer from business. Despite 25 years with O2 and having paid tens of thousands for all our employee contracts over the years, we are unable to switch. Because.........we don't pass the credit check !!! We have no debts, etc etc , and have the highest credit rating you can get. WE are unable to get an answer as to why we don't pass. We have contacted the credit check team...never heard a thing back. So we are on a monthly bundle which is expensive and not giving us the service we need or previously had. What do we do, am at wits end...retirement was never meant to be this stressful. Partner currently in The Netherlands due to sudden family bereavement and her phone wont work.

Re: switching from business to consumer

MI5 — Wed, 25 Oct 2023 09:46:36 GMT

@janeymfitz

Get your PAC and port out to a network that cares.

Re: switching from business to consumer

janeymfitz — Wed, 25 Oct 2023 09:50:32 GMT

switching provider is not an option due to where i live and subsequent poor coverage from other

Re: switching from business to consumer

Enlli — Wed, 25 Oct 2023 10:19:17 GMT

@janeymfitz Sky Mobile might be an option as they run on O2 for signal.

Re: switching from business to consumer

MI5 — Wed, 25 Oct 2023 10:28:42 GMT

@janeymfitz

Tesco mobile and giffgaff (payg) also run on O2 network.

Re: switching from business to consumer

janeymfitz — Wed, 25 Oct 2023 12:39:00 GMT

im just concerned that i fail the credit check with a new provider ,which has a negative ongoing effect. i need to find out why their refusing us.

Re: switching from business to consumer

janeymfitz — Wed, 25 Oct 2023 12:40:34 GMT

is there anyone 'who cares'?

Re: switching from business to consumer

Enlli — Wed, 25 Oct 2023 12:46:12 GMT

@janeymfitz wrote:
is there anyone 'who cares'?

We are limited here as just customers. O2 never reveal their reasons

There is a credit referals team

Unfortunately the team are only contactable by email

CreditFileReferrals@o2.com
Credit File Referrals Team
Suite P
Arlington Business Centre
Leeds
LS11 0NE

Re: switching from business to consumer

Bambino — Wed, 25 Oct 2023 12:47:38 GMT

@janeymfitz As far as I'm aware, O2 aren't obligated to tell you why you've failed the credit check. It was most likely computer generated, and something triggered whatever parameter they've put in. You can try speaking to customer service, but I doubt you'll get an answer you're happy with. You can also lodge a formal complaint: How to Complain | Help | O2 or you can use Resolver, who are independent: Resolve your O2 Complaints for free | Resolver UK

Re: switching from business to consumer

janeymfitz — Wed, 25 Oct 2023 14:26:17 GMT

Thankyou, apparently having not enough credit that can be checked against can give you a problem. Essentially I need to acquire some debt!! Ill certainly email the above. Thanks again

Re: switching from business to consumer

Oxonian — Wed, 25 Oct 2023 20:14:19 GMT

@janeymfitz

Yes, you need to be able to demonstrate that when you get into debt, you go on to pay it off.

However, there are many other possible reasons why you have been denied credit. There is plenty of information available online such as :-

Denied Credit - Credit Advice by Experian

https://www.experian.com/blogs/ask-experian/category/credit-advice/report-advice/denied-credit/