08-05-2011 05:27 PM
Im wondering if anyone can offer advice on this wee matter of mine.
Applied for a HTC sensation on a pre-order.
First order rejected as My smille coop bank account wasnt deemed to be a Uk bank account.
Tried again this time bank was accepted but failed credit check this time.
I owe money on Mortgage but on experian credit check, its classed as low and have a 999 score.
I earn above average wages,have no other ongoing debt.
I'm wondering why I would fail a credit check when I have excellent credit rating?
I rung up an 0844 number and after being on hold for an expensive amount of time I spoke to someone in India possibly? and after that I got to speak to someone in the UK as the first line person couldnt help me.
so can anyone else confirm that :'email@example.com' is the right email address to send a failed credit query to?
Also what is the lead time?
if this was in the company I work for a reply of this importance would be sent the same day.
I also have Vodafone shares ( quite a lot of them ) but I'm beginning to wonder why.
09-05-2011 05:29 PM
Firstly, a very warm welcome to the eForum Family, it's always great to see new faces on here .
I'm sorry to hear that your order was rejected on the basis of the credit check. If you're certain that there shouldn't be a problem with your credit history, then it could just be something simple like an address or name being logged incorrectly somewhere. Unfortunately, our team isn't able to directly investigate this type of issue, however if you email the address you've included in your post, then they'll be in touch with you as soon as they can.
10-05-2011 01:32 PM - edited 10-05-2011 01:33 PM
Yep Turns out Vodafone doesnt accept Amex even though there is the choice there
It even shows you how to put your Amex details differently in the boxes.
Got a nice appology regarding mistake and are going to ask online sales if they can reraise the original order.
I was given an account number to quote;probably to avoid another credit check?
Ordering online sometimes just isnt as simple as its supposed to be.
Thanks for help.
Query Solved I think.
12-05-2011 09:54 AM
Looks like you've not met their eligibility criteria. Doesn't really matter what your score on Experian is, as Vodafone will have their own, confidential scoring method, and unfortunately you have not met their criteria.
A 999 score on Experian is usually a default score as they don't have enough information about you to determine a real score. Never pay for a score with them as it's meaningless.
12-05-2011 11:54 AM - edited 12-05-2011 11:56 AM
thansk for your reply.
Whats happened is Vodafone will only do one credit check as if they do multiples it affects your credit score,they gave me an account number ( the credit bit ) to confirm I can have a phone with them its just its impossible to do the way I want to buy it.
With regard to experian I disagree, 999 is a score 'they say' 71% of the population aspire to.
I was surprised by it though and it can even tell how much of your cc balance is used at the time of the report.
The criteria was that smile internet bank part of the coop is not deemed as a uk bank (1st problem but not 2nd time) using an amex card to pay for items was 2nd problem they says they dont take amex but let you go through it all even telling you how to put your security number in as its on the front of the card,they tell you all that etc!
3rd problem rung up told to reorder and then refused again.
sent emails to above email and to reply@vodafone and havent heard owt since.
Im expected to phone an 0844 number again to chase it up,dont they want business,obviously not.
I'll give it a week.
Maybe its not meant to be with Vodafone
Forgot to say Vodafone use Experian for credit checks,according to them its the system kicking it not them,who runs who here?
12-05-2011 08:18 PM
but not that valid as Im sure 1 point isnt going to fail a credit check.
The problem is I have passed one but as they cancelled my order by mistake now I cant reapply as the 'system' kicks it.
Any relevant suggestions welcome,namely from The forum owners.
12-05-2011 08:22 PM
Hi there chubbybrown,
Many thanks for your continued updates.
As George has already said, there is little the eForum Team can do to override the decision that has been made after the credit check has been completed.
I can confirm that every time one applies for credit one's credit score can be affected. It might be worth sitting tight for a month then re-applying.
13-05-2011 10:42 AM
I've had a word with one of our sales gurus and we may be able to help after all!
It would appear that from the information you have provided, if you passed the initial credit check, then an account will have been set up but would remain in a 'pending' status.
If we can locate the account we should be able to process the order for you.
With this in mind, I've sent an email to your registered eForum address. If you could hit reply, fill out the requested details and reply, we'll be able to take a look at what's going on.
16-05-2011 05:34 PM
As with many other people on this forum I am having the same issue and need some urgent help, as I am only in the UK between 19-21 of May to pick up my new phone.
I have also emailed credit.liaison with the following...
17-05-2011 02:54 PM
I havent failed the credit check,Vodafone made a mistake and now I cant rebuy online with them.
Their own credit unit says sorry,its just I cant buy online using Vodafones website,I wish to do it this way as I get a discount.
Another day in the Abyss
17-05-2011 03:22 PM - edited 17-05-2011 03:27 PM
So Spoke to a very Plucky Operator ( if I had a job for her she could have one ) from Online sales,who had left a message for me,her name started with a 'D',she knew her stuff thats for sure,a minute on the phone with her sorted out such a shambles.
Her Boss should have reinstigated the order and didnt,put on hold for a minute,said phone now will go through but out of stock for now.
I will get an email and should get phone 1/2 days after that.
Will inform all and accept as a solution when it happens.
Thanks to all posters and also Vodafone staff.