EE / Equifax

Hawkesbury

Hawkesbury

Hawkesbury

Associate
Joined
23 Nov 2009
Posts
252
Location
GB
(Sorry if this is the wrong section. Although its about a mobile phone company its not about phones.)

I ordered an iphone 5C for my wife through EE online having seen a deal posted on HUKD. (ulimted mins/texts and 2gb data with a Free iphone 5c 32GB for £24.99/month)

When ordering I was told they may ring me. Which they did to complete a credit check. No worries there, they asked 4 questions.

I then got a phone call 10 minutes later to say they had declined to offer me a contract due to an issue with my equifax credit rating, which seemed strange as 10 minutes before it was told there was no problem. EE told me to contact equifax to enquire.

I did and found out that I have a 494 rating (excellent) but they said that EE had not contacted them or used them to perform a credit check. I rang EE back who came out with a load of random excuses and then honoured the deal.

Now my question which equifax couldn't answer is will I have a random credit check fail recorded on file somewhere? EE were beyond useless in answering as well.
 
Last edited:
Do you think that they realised that they'd messed up on the deal and were trying to pull it before too many people took them up on it?
 
Hawkesbury said:
I rang EE back who came out with a load of random excuses and then honoured the deal.
Click to expand...

If you'd really failed a credit check then I highly doubt they would then honour the deal just because you queried it...

Sounds more like:

Maundie said:
Do you think that they realised that they'd messed up on the deal and were trying to pull it before too many people took them up on it?
Click to expand...

Also this:

Monkeynut said:
EE have horrible customer service so consider it a lucky escape.
Click to expand...

My gf upgraded from T-Mobile to EE (yes I'm aware they are the same company) in April.

They've only just a couple of weeks ago gotten her online account back up and working so she can check her bills etc, after having phoned them multiple times and being passed around, told it will be sorted, told we'll get a call back etc.

Leaving them as soon as her contract is up!
 
Last edited:
EE rejected me about six months ago. I've had mobile phone contracts continuously since I turned 18 in 1999 and never missed a payment. I've also had ten years of continuous full-time employment since graduating from university. I can only guess it was because I'd moved house in the last year - EE refused to give a reason. Funny how a bank will lend me hundreds of thousands of pounds to buy a house but EE think I might not be able to handle a £20-a-month phone contract!

I went with Vodafone in the end. Got a contract with zero trouble.
 
Update:

Phone arrived this morning. I rang EE to query the credit check refusal the reply I got was.

'Due to the fact you had moved house in the last 3 years it had an impact with our systems'

I followed this up with a comment about how would a contract that will cost £600 over 2 years be refused when a mortgage lender is willing to lend a sum 400 times bigger and don't see it as an issue.

'The phone you selected has been very popular since becoming available on this deal and we had to look at ways of reducing the demand, due to this we performed a spot check and not a full credit appraisal'

SO long story is they didn't perform a credit check despite claiming they had, but then did and honoured the deal. Muppets!

The more frustrating thing is vodafone have tried to match the deal and got with 59p with 2 GB more data but leaving them due to pants coverage in the area.
 
Using a mortgage as a comparison is a bit daft either way, if you mess that up they've got a house they can take off you pretty easily.
Phone debts on the other hand are a pain in the bum for them to chase round.
 
EE have been problematic with a few of their good deals recently, including flat out lying and telling people their orders have been cancelled, then when phoned back again and another agent was spoken to they completed the order LOL
 
Credit appliction outcomes do not show on your credit file. Searches do. If you apply for 10 things and only 1 is accepted then your credit file will show 10 searches, not 9 declines and 1 accept. A bit off topic but just wanted to clear this up, as many people believe that the application outcome is shown on the credit report when it isnt.
 
Syla5 said:
Credit appliction outcomes do not show on your credit file. Searches do. If you apply for 10 things and only 1 is accepted then your credit file will show 10 searches, not 9 declines and 1 accept. A bit off topic but just wanted to clear this up, as many people believe that the application outcome is shown on the credit report when it isnt.
Click to expand...

There are also different types of searches IIRC, for example when you do a quote for insurance for your car, this will put a mark on your credit file as a "soft search". Banks and lenders naturally overlook these types of searches and focus on the more "deep searches".
 
tom_e said:
Using a mortgage as a comparison is a bit daft either way, if you mess that up they've got a house they can take off you pretty easily.
Phone debts on the other hand are a pain in the bum for them to chase round.
Click to expand...

Well, yes, it's a secured debt vs. a potential unsecured debt.

However, a mortgage lender who yanks the house from under someone has got a house in an undefined state that they may or may not be able to sell at a price that recovers the debt plus costs. It's a much larger risk than a phone bill worth a few hundred pounds.
 
Okay I agree the mortgage vs phone contract argument is flawed.

But I could have replaced it with credit card/ car loan, TV package etc. All things where you enter a contract to pay x over y months. Not to mention 10 years+ of mobile phone contracts.

I think my main issue was the fact that the staff who work for EE know less about what they are telling me than the members of OCUK.
 
Some of the "upgrade" deals from T-Mobile to EE are laughable... Going from 3G to 4G, but also from uncapped data to capped for extra money!? What the hell is that all about? :confused:
 
You must log in or register to reply here.
Back
Top Bottom