T-mobile refused to offer contact

witches_cauldron · 12 September 2008 at 8:33PM

swanny65 wrote: »

Hi

I am both confused and P~~sed off that T-Mobile have refused to upgrade my wife from a PAYG mobile to a contract deal. They say is is because we have failed their credit credit.

We have a clean credit record. We overpay our mortgage each month, clear our credit card each month and have savings. They said they couldn't tell me why the contract had been declined and we should contact Equifax, who they use for credit searches.

I have a theory as to why it could have been rejected and would appreciate it if anyone can confirm this for me: We built our own home in 2002 and when we moved in we told the banks our address was ABC House, Rear of 106 - 108 XXX Road. Two years later the local council eventually signed off the build and told Royal Mail etc our address was ABC House, DEF Court, XXX Road (they added in the Court and dropped the Rear of part of our address).

When I apply for car insurance etc i do have some problems. I use the later address and then get the company to amend it to the first option. I am reluctant to change my address to later option as the DEF Court is not recorded on OS maps etc and, as i visit people as part of my job, i know it is easier to find a house if you have a number it is near in the road.

Could it be the credit application was rejected because the address used by T-Mobile did match our recorded bank address?

Please move if the post is not in the correct location.

Thanks

I don't think having savings has any bearing on your credit file. Not sure that overpaying your mortgage does either....