Carphone Warehouse refused phone contract - Suspected fraudulent

Mart2021

The title says it all, my wife applied for a phone, got turned down, - only found out when the parcels didn't turn up, first one showed as no order, tried again went through - no parcel, phoned them up, order cancelled suspected fraud. Can't tell us why, no one to speak to, no way of finding out. So i tried, same thing happened, If there is a problem at our address or with one or both of us surely their should be some way of finding out. Both of our credit score are really good with no problems. We are going to need a loan over xmas for house repairs so we are concerned that this could stop us. Does anyone have any ideas how we can find out what is going on

[Deleted User]

Check your credit files for any unusual  activity. Your credit scores are not used in credit decisions, so see if they is anything you don't recognise, or adverse history.

Remember to check all files for each of you.

Mart2021

No credit files are fine, they told us that themselves, also checked both and there are no problems, it seemed to bean issue once it went to the taking the upfront payment. We have never had issues before.

[Deleted User]

It may be a location issue if you're in a high fraud risk area.

Also check your CIFAS files just in case.

If not, and all 6 files are ok and you're on the ER, try elsewhere.

tacpot12

Perhaps you wife needs to apply in person. 

MrFrugalFever

I believe you are able to do a SAR - Subject Access Request to both National Hunter & CIFA's to understand what information they hold on you, whilst it may not paint the entire picture it may point towards something.

You could also query with your bank if there is anything going on that would have prevented a payment being made - i.e they blocked it due to suspected fraudulent activity?