Refused Contract

[Anonymous]

I have a 999 rating with Experian and a 526 rating with Equifax and have been refused a sim only monthly contract. I already have one  monthly contract with O2 paid by standing order. Never missed a payment . Home owner , never had a credit problem or debt problem of any kind. What is going on!!!!!!!!!!!!!!!!1

[Liquid]

Bit of a mick take that they won't discuss why you were declined.

[Anonymous]

02 has done the same thing with me. I ve been with them for about 5 years and they refuse me a contract. Most of my family and friends are on 02, and none of them happy with it. I ve got a contract with vodafone (same one 02 declined, and it gone through smoothly). 02 will loose so many customers like this, and look like they dont bother even.

Best of luck 02.

[Liquid]

Has your credit rating dropped in the past 5 years?

Missed any phone bills?

[Anonymous]

No!! Never missed or delayed a bill. Always paid on time. Not really sure why 02 is rejecting it.

[Liquid]

I'm terribly sorry to hear that. Have you tried an appeal? Something these computer automated checkers get a little overzealous. If it gets a bad entry it may just deny the process to be safe.

Have a word with 202 and see where to go from here. I can understand your frustration but I guarantee its not personal and its most likly a mistake. O2 are normally pretty good with saying sorry.

[adamtemp64]

@liquid this poster has another thraed with there issue http://community.o2.co.uk/t5/Pay-Monthly-and-Pay-Go/I-am-an-02-customer-from-last-5-years/m-p/457748...

[Liquid]

Ergh! Hadn't realised. Thanks.

[Anonymous]

I have recently been refused a contract, also with excellent ratings from both Experian and Equifax.  After much banging on head against brick wall with the credi referral team, the usual email about commerciallly sensitive information and worry about id theft I lodged a complaint with O2.  Within 48 hours I had a lady tell me that the reason for refusal was dual names on the application, something the O2 stores (I checked with a couple) told me was allowed.  I told her of my fears of id theft and that it was unacceptable of O2 to pass the buck to a third party (the credit agencies, one of whom confirmed they had never even received a request) and after a while I think she realised I was not going away, she contacted the referral team herself who confirmed the reason and that once the contract was set up, you can change the monthly payment account but not before.  I would suggest the only reason I got an answer was because I complained and whilst I agree this should not be the case, suggest it is the only way to get an answer.

[perksie]

As the thread dates back to April I would imagine they're sorted out now.