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:
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.
 
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.
 
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