Vodafone automatically declined my credit check as I have been a victim of CC Fraud

wanderlusthols

Some background;
About a month ago I was the victim of credit card fraud and I had registered for a CIFAS protective registration in a bid to prevent a similar occurrence as advised by Experian. Nationwide also added a CIFAS alert showing me to be the victim of credit card fraud (it was with that particular bank) following their own investogations. Thus I have 2 victim of credit card fraud alerts on my account pertaining to the same incident.

As I understand with a CIFAS alert the company doing the credit check will be required to ask me for additional securtiy information and this is in fact a step to protect me and not prevent me from accessing credit, mortages, phone contracts etc. This has been confirmed to me by CIFAS.

I attempted to purchase a pay monthly contract with Vodafone online. I was dutifully told via automatic email this was subject to a successful credit card check. My application was declined the next day. I queried this over the phone and explained my situation with a really helpful CS advisor. He took down my details and assured me that whilst the online order had been declined he was able to to process the order over the phone as I could verify the additional required identity checks. The direct debit was set up and I was told my new phone would be with me the next day. I work from home in eager anticipation of the new gadget!

1 week later no phone has arrived and the DD has been cancelled. I call the complaints team to learn that my application has been declined because of 'multiple discrepancies' on my file yet I have not been advised of this, nor have I been asked to provide any further identity checks.

I phoned the Fraud department hoping to have more luck but I was told that actually they dont have to ask for additional information and they are within their rights to simply decline my application. Hugely disspapointing, the complaints team and the fraud team have proved very unhelpful and advise I simply try again.

Having already tried the online and phone approach I am very concerned that the protective measures I have taken are being used against me. I have now removed the CIFAS alert I set up and I hope this will go some way to helping me resolve this as there should now only be 1 alert.

Hoping to get in touch with Lee, I have a reference number having used the vodafone complaints route #20050674 I discovered on the ever useful MSE forum.

very waffly email from very exasperated almost but not quite vodafone customer.

pmduk

You need to post on the sticky Vodafone Complaints thread at the top of this forum. The first posts in that thread explain the process in more detail.