Refused T-Mobile Contract Application

DragonQ

I ordered a contract and handset today through intomobilephones.co.uk. The first was refused by T-Mobile but I found out they had formatted my address incorrectly. I fixed this and applied again, only to be refused a second time.

Into Mobile Phones can't do anything and T-Mobile say they don't know why it was refused and that I have to write to them. I have written to them but what exactly am I supposed to do when they tell me why I've been refused a contract? I know people who don't even have jobs that have mobile contracts so I just don't understand this.

T-Mobile suggested it might be because I used a student accommodation address but I have to use that since it's what my bank has (it won't do me any good if T-Mobile accept an application that my bank then rejects). They also said I would struggle because I've never had a mobile contract before. So people who don't have contracts can't get contracts? That's ridiculous.

Just looking for ideas really, what do I do next? I can't really try another mobile provider because the deal I found was so much better than the next best I could find from anyone else.

grumbler

DragonQ wrote: »

...
Into Mobile Phones can't do anything and T-Mobile say they don't know why it was refused and that I have to write to them. I have written to them but what exactly am I supposed to do when they tell me why I've been refused a contract?

Computer says 'no'.

I know people who don't even have jobs that have mobile contracts so I just don't understand this.

You seem to have no idea how credit scoring works. Have a read of Martin's guide: Credit Rating How it works and how to improve it

T-Mobile suggested it might be because I used a student accommodation address but I have to use that since it's what my bank has (it won't do me any good if T-Mobile accept an application that my bank then rejects).

Computer doesn't care.

They also said I would struggle because I've never had a mobile contract before. So people who don't have contracts can't get contracts? That's ridiculous.

Contracts are different. Many people start building the credit history with sim-only 1 month rolling contracts.

Guys_Dad

Try applying in store at a T-Mobile shop and see if they would approve it. No need to take up the contract, but if they were to approve you, then it just may be that intomobilephones punted that deal as a flyer that they can't supply.

DragonQ

Guys_Dad wrote: »

Try applying in store at a T-Mobile shop and see if they would approve it. No need to take up the contract, but if they were to approve you, then it just may be that intomobilephones punted that deal as a flyer that they can't supply.

I did think that but when I asked them they said it was unlikely that I would get a different result if I went straight through them (since it was T-Mobile that rejected the application, not Into Mobile Phones). It'd also cost about £250 more going direct so unless they offered me a serious discount I wouldn't go that route.

Guys_Dad

DragonQ wrote: »

I did think that but when I asked them they said it was unlikely that I would get a different result if I went straight through them (since it was T-Mobile that rejected the application, not Into Mobile Phones). It'd also cost about £250 more going direct so unless they offered me a serious discount I wouldn't go that route.

You miss the point. You just use the shop to prove one way or another if T-Mobile are the sticking point or not - you don't take out the contract, you withdraw before signing.

grumbler

I think all applications leave a credit search record in the credit file. Many applications in a short period of time negatively affect credit scoring results.

Silk

Before you get excited suggest you do a search on the company first ..for example
https://forums.moneysavingexpert.com/discussion/2654121

DragonQ

Got a reply from T-Mobile's Credit Referrals department. It says they've overturned the decision and are happy to give me a contract. It then says I should call T-Mobile and quote my "agreement number". I did that and the guy I spoke to said it's still refused.

Now what?

itsmeandyou

what you need to do is call the sales dept, quote the agreement number the credit referal team gave you and that should link it to your application . maybe better to deal directly with t-moible in this case than a third party company . as every credit check you have done in your name counts against your credit score and could damage it . most people who have never had a contract take a sim only deal to build up some credit history and get there foot on the ladder, you got to start somewhere .

DragonQ

That's what I did, I gave them the agreement number and they said the application with that agreement number was declined and that there's no note on it about an overturn or anything.

Stuart_W

What particular deal are you after?
Rolling SIM-only contracts are often easier to get (there is no handset they are subsidising).
There may be a way to buy the handset from someone that will offer you credit, and just get a SIM-only deal with a network provider.