Refused a phone contract

sourcrates

Shakin_Steve wrote: »

Whilst I’m willing to bow to your superior knowledge on the credit check, it’s still not an ‘upgrade’.

The information is included among the terms and conditions on most mobile networks websites, i just plucked these details at random from 02 .

Your right, its not technically an upgrade, but its how the networks describe the process, its well known you have already paid for your phone, via the line rental, i wasn't disagreeing with you.

Polarpenguin

O2 split the phone & contract payments.
The cost of the phone shows as a loan on credit reports. This would explain the need for a credit check even for a previous custom upgrading

DCFC79

Well it definitely isnt due to your credit score,

An option is to buy a phone outright and get a pay monthly sim you you use your current phone and just get the sim.

[Deleted User]

Shakin_Steve wrote: »

Keep your wig on, darling, just putting across my point of view.

i'm fine poppet, just wondering why you have an issue with the word upgrade. Get turned down one too many times?

Samsung_Note2

Polarpenguin wrote: »

O2 split the phone & contract payments.
The cost of the phone shows as a loan on credit reports. This would explain the need for a credit check even for a previous custom upgrading

Tesco do the same..the phone is shown as a loan on credit file.

However you also have the option of simply paying whats owed on phone and clearing the balance.

MABLE

Polarpenguin wrote: »

O2 This would explain the need for a credit check even for a previous custom upgrading

Not with Virgin Mobile. I was only credit checked internally and the only entry on my credit file by them was check for money laundering regulations. No hard search was noted on any of my cra files.