Credit declined by O2

aliad62

In early June I upgraded my mobile phone.  After many years with EE I found a deal with O2 on Uswitch that EE couldn’t match.
I applied online and waited for my new phone.  It didn’t arrive within the promised 24hrs and instead, 2 days later,  I received an email from O2 saying my credit had been declined.  

I was horrified, having never had problems before, I have no debts, my mortgage is paid off, my bills are paid on time and I have a credit card which I pay in full every month.  The email gave me an option to appeal which I did straightaway.  I also sent an email of complaint to Uswitch.
Yesterday I received a reply from O2 apologising for the delay in replying and saying that as my application for appeal was over 30 days ago I would need to reapply.  Astounding.  

In a strop I replied that I was now pleased they’d declined my credit as I would hate to be tied into a 2yr contract with such an incompetent company!
Even worse were Uswitch who didn’t even acknowledge my complaint.
Has anyone else had issues like this?  I know it seems petty and I should let it go (cue the song) but such awful customer service really annoys me.

(p.s. I found an equally good deal with Sky Mobile who accepted me straight away)

[Deleted User]

Yes, others have been declined for credit.  It's nothing personal.

Make sure you check all your files from time to time to make sure everything is as it should be.

[Deleted User]

Check all 3 of your credit files just in case, if there is nothing untoward, perhaps O2 just don't want you.

FranklyTrousers

I have just experienced the same thing... however, I reapplied 10 mins later and changed my title to Dr from Mr. RESULT! So O2 only after doctors now?

CliveOfIndia

FranklyTrousers said:

I have just experienced the same thing... however, I reapplied 10 mins later and changed my title to Dr from Mr. RESULT! So O2 only after doctors now?

Not sure why you felt it necessary to resurrect a 2-year-old thread to tell us this - but are you actually a Dr.?  That aside, it sounds very odd - your title would have no bearing on the data contained within your credit files.

Grumpy_chap

CliveOfIndia said:

FranklyTrousers said:

I have just experienced the same thing... however, I reapplied 10 mins later and changed my title to Dr from Mr. RESULT! So O2 only after doctors now?

Not sure why you felt it necessary to resurrect a 2-year-old thread to tell us this - but are you actually a Dr.?  That aside, it sounds very odd - your title would have no bearing on the data contained within your credit files.

Assuming the OP actually is a Dr., if they are usually using the prefix Dr. and then used the prefix Mr., it may be that the searches undertaken linked to a thin / non-existent credit file for Mr. FT but with the data entered as Dr. FT, the searches linked to a fuller record and therefore satisfactory.

CliveOfIndia

Grumpy_chap said:

CliveOfIndia said:

FranklyTrousers said:

I have just experienced the same thing... however, I reapplied 10 mins later and changed my title to Dr from Mr. RESULT! So O2 only after doctors now?

Not sure why you felt it necessary to resurrect a 2-year-old thread to tell us this - but are you actually a Dr.?  That aside, it sounds very odd - your title would have no bearing on the data contained within your credit files.

Assuming the OP actually is a Dr., if they are usually using the prefix Dr. and then used the prefix Mr., it may be that the searches undertaken linked to a thin / non-existent credit file for Mr. FT but with the data entered as Dr. FT, the searches linked to a fuller record and therefore satisfactory.

Ah, good point