| phone help non QPR 14:40 - Mar 1 with 5253 views | HarrowRoadR |
I have a pay as you go phone and wanted to change to a monthly contract of just £8 as I don't use it much. After taking about an hour in the shop, I was told that I can't have a monthly contract as the credit check has been declined. I am horrified as I have no debts, nothing on HP and most of my bills are paid by direct debit. The assistant said that's probably why they wont let me have it, so what I wanted to know is this normal and what can I do about it?
No wisecracks please as I've had one hell of a morning, thanks. 
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| phone help non QPR on 14:42 - Mar 1 with 5244 views | Juzzie |
Go to a few other shops, one of them hopefully will be able to sort you out.
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| phone help non QPR on 14:47 - Mar 1 with 5235 views | HarrowRoadR |
| phone help non QPR on 14:42 - Mar 1 by Juzzie |
Go to a few other shops, one of them hopefully will be able to sort you out.
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I have been with TMobile for years and the contract was a good deal that's why I went for it, I'm fuming with them. I might just try someone else though. | | | |
| phone help non QPR on 14:49 - Mar 1 with 5231 views | toboboly |
| phone help non QPR on 14:47 - Mar 1 by HarrowRoadR |
I have been with TMobile for years and the contract was a good deal that's why I went for it, I'm fuming with them. I might just try someone else though. |
O2 do a £10 one a month if that helps? |  |
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| phone help non QPR on 14:59 - Mar 1 with 5223 views | Juzzie |
| phone help non QPR on 14:47 - Mar 1 by HarrowRoadR |
I have been with TMobile for years and the contract was a good deal that's why I went for it, I'm fuming with them. I might just try someone else though. |
Absolutely. There are so many options now and you can still keep your existing number.
Shop around... go to Carphone Warehosue, Phones 4 U and so on as well as the network specific shops such as O2.
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| phone help non QPR on 15:07 - Mar 1 with 5215 views | QPR_John |
You really need to find out why the credit check has been declined. I am sure you have the right to ask the store that turned you down what was on it they did not like. |  | | |
| phone help non QPR on 15:07 - Mar 1 with 5212 views | TacticalR |
You can order a report on your credit history from a number of companies, such as Experian (cost is £2)
http://www.experian.co.uk/consumer/statutory-report.html
I have a pay as you go phone with a Virgin SIM card. £7 a month covers calls, texts, automatic internet connections from gmail, google maps etc. I normally don't go over the £7.
http://www.virginmobile.com/vm/paymonthlySimOnly.do
(The deal looks as though it's linked to Virgin broadband, but I don't have that, although I have had the Virgin SIM card for years). [Post edited 1 Jan 1970 1:00]
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| phone help non QPR on 15:08 - Mar 1 with 5209 views | toboboly |
| phone help non QPR on 15:07 - Mar 1 by QPR_John |
You really need to find out why the credit check has been declined. I am sure you have the right to ask the store that turned you down what was on it they did not like. |
When I used to work for a shop and had to do interest free purchases they wouldn't tell the shop workers and often wouldn't tell the customers. We always had to tell them to ask their bank. | |
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| phone help non QPR on 15:22 - Mar 1 with 5191 views | HarrowRoadR |
Thanks for the repiies. You're right I do need to find out as I've never owed anyone anything before. I did check out a site someone said the same thing happened to them and the girl he spoke to ended up trying to sell him a higher priced contract after just declining!
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| phone help non QPR on 15:45 - Mar 1 with 5171 views | EastR |
After years of paying over the odds on T Mobile(change the name to any of the other corporate robbers), no customer loyalty, rubbish support and ever increasing prices, I changed over to these guys:
giffgaff.com
(I'm sure I got the recommendation from another thread on here a few months ago.)
Pros
- Tariff - I started at a £15/month tariff and for the next 2 months they e mailed me recommending lower tariffs based on my usage. I'm now paying £5/month.
My allowances are - 1GB internet; 250 mins free calls; unlimited txt
Calls to other people on same network not included in allowance
- Number - you can keep your existing number
Cons
- You need your own handset. (If you want the latest 'must have' upgrade then this is not the deal for you)
- International - if you want to make international calls/send sms etc you need to top up your account; and none of your services work abroad (but thats fine because you're saving a fortune on roaming charges, and if you really do need a phone abroad get a local SIM)
- there's no customer service to ring. Any problems you deal with by their site FAQs and e mail. (I think I e mailed them once in the first week I had the phone and that problem was caused by an outage on the O2 network that they piggyback)
[Post edited 1 Jan 1970 1:00]
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| phone help non QPR on 16:06 - Mar 1 with 5150 views | calders |
I would certainly try and find out why you have been turned down before you are credit checked again, repeatedly being turned down in a short amount of time will seriously damages your credit rating further. | | | |
| phone help non QPR on 16:07 - Mar 1 with 5150 views | 1MoreBrightonR |
giff gaff all the way...no commitment and better than a monthly contract in terms of minutes and texts | | | |
| phone help non QPR on 16:15 - Mar 1 with 5136 views | robith |
Also something else to factor into consideration - if you've never had loans, credit cards etc then you might not have a credit rating as you've not demonstrated your ability to pay back debt (as you've not had any)
Someone else which stung me once - if you're not on the electoral register or have moved recently it can bodge your score |  | | |
| phone help non QPR on 16:46 - Mar 1 with 5121 views | Match82 |
| phone help non QPR on 16:07 - Mar 1 by 1MoreBrightonR |
giff gaff all the way...no commitment and better than a monthly contract in terms of minutes and texts |
The amount of junk emails I get from them I couldn't give a rats ar*e how good they are, no way I'd ever consider using them.
At least two a day, always from a slightly different email address & domain so it can't be blocked. Perhaps it's my fault for still using hotmail.
On the subject of the OP, I sympathize, I tried to get a mortgage in the US and was told I couldn't do so because I didn't have a credit rating - like the OP I'd always used Debit cards and never been in debt. So I went to apply for a credit card and got turned down because, you guessed it, I didn't have a credit rating.
Finally had to go to the people I banked with and beg, got one with unbelievably high penalty fees (which didn't matter because I was literally just using it to get a credit rating, so after every purchase went straight online and paid it off.
That's the only thing I can suggest - if you pay credit cards off instantly (or even once a month, assuming you pay the whole thing in bulk) I would guess that your credit history would build pretty quick and you wouldn't have any interest/penalty fees.
Disclaimer: I'm not actually an expert on this stuff and it may work differently in the UK, I'm sure we have professionals on here who know a lot more than I do |  | | |
| phone help non QPR on 20:33 - Mar 1 with 5085 views | HarrowRoadR |
| phone help non QPR on 16:15 - Mar 1 by robith |
Also something else to factor into consideration - if you've never had loans, credit cards etc then you might not have a credit rating as you've not demonstrated your ability to pay back debt (as you've not had any)
Someone else which stung me once - if you're not on the electoral register or have moved recently it can bodge your score |
I've had loans etc in the past but not now and I have Orange broadband. It just doesn't make sense, I've lived in this house nearly 19 years and I am on the electoral register. My son has a contract with TMobile for the same address, I didn't tell them that. As I said before my bills are nearly all direct debit plus my credit card so I really can't see what the problem is.
I will look into people's suggestions, thanks. | | | |
| phone help non QPR on 20:53 - Mar 1 with 5070 views | loftboy |
Tesco do a sim only, tenner a month for 500 minutes, texts and Internet, bung another sim on as part if a family plan and you get 150 extra minutes on top each, got myself and 3 kids on the same contract but each have our own plans for less than I was paying orange for 1 plan, ( had to pay orange 20 quid to unlock my iPhone from their network which took 20 days) |  |
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| phone help non QPR on 21:50 - Mar 1 with 5056 views | CamberleyR |
I've had the same experience as the OP in being recently turned down by a credit check for some interest free finance for a couple of thousand pounds on some new carpets and flooring when I recently moved into my new house.
Like the OP I've never been in debt (apart from a mortgage)and all my bills are paid by DD. In fact my mortgage had just been increased when it was turned down. I was bloody fuming about it although it wasn't the shop's fault as they used a third party finance company. When I spoke to the finance company they wouldn't give me a reason over the phone and said I had to apply in writing if I wanted to know why  |  |
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