Refused O2 Monthly Contract

[Anonymous]

Hi

I currently have 2 x O2 monthly contracts and 3 x Pay-As-You-Go O2 sim cards which cover myself and the family and have been going for several years.

My daughters O2 pay-as-you-go amounts are starting to rack up.  It was almost £90 over the last 6 weeks and so I thought I would quickly move her to the O2 £20 per month payment plan. This was from O2 online support chat advice.

I then tried to purchase the O2 monthly payment plan (sim only - no phone) online and after filling out all the O2 online questions including my address details etc...  it eventually refused to approve the new O2 monthly contract. 

I think my credit rating is probably poor as it has been taking a hit these last few years but I currently pay nearly £180 in existing monthly O2 contracts and O2 pay-as-you-go payments a month.

How can I change my daughters O2 Pay-As-You-Go to an O2 monthly Payment Plan ?  This would potentially save me fortune!  

[Anonymous · Accepted solution]

Hi Mike,

Unfortunately the decision is based purely on credit rating so despite you being a good O2 customer, if your credit rating isn't good enough then there's nothing they can do.

If your daughters are old enough they could take out their own?

What is the £90 for - did they just go over their minutes?

[Anonymous]

I am not exactly sure what the £90 worth of payasugo auto top ups was spent on. I was told if I want to find out I could spend £10 and fill out an O2 form to probably retrieve some sort of detailed billing.

Shame O2 does not uses one sort of internal customer credit ratings as I would probably be at the top of their list of reliable good payers.

[Anonymous]

Aren't auto-top ups the equivalent of a recurring payment? Unfortunately I know next to nothing about Pay As You Go but it sounds like the £90 wasn't a one off charge, but instead an agreement has been reached to top up in increments?

If your credit rating improves slightly they may be able to offer you a conditional agreement such as a contract if you pay a deposit or a sim only contract for a certain period of time before going on to a handset tariff.

[MI5]

You could ask for your case to be transferred to the credit referral team which will get it looked at by real people rather than computer algorithms.

[Anonymous]

The credit referral team are only there to resolve a dispute - for example if the OP alleges they got the credit score wrong (would need proof in this case). In OP's case he knows his credit rating is poor, so doubt that the referral team would have any influence.