A few weeks ago came close to using up my data allowance. Called VM, who firstly gave me 2GB for free and then suggested that for an extra 80p per month I could get a larger data allowance from my next refresh date which would prevent this issue. Great, sign me up. "Ok, we just need to check your bank details and do a full credit check". For 80p?! I have VM TV, broadband, home phone and 3 mobiles and was being threatened with a full credit check, which would show up on Experian, for 80p. Apparently no-one can overrule this and there is no UK based person to speak to. I came very close to leaving VM and getting a better and 4G SIM only deal from EE. Ultimately I upgraded my account (more data) on line which does not require a credit check - which is something the VM phone representatives had suggested, so ended up paying a little bit more than 80p (but not much more).
The issue is, why would Virgin risk losing a very long standing customer (been with Virgin since before it was Virgin (C&W and NTL days)) for 80p and a credit check - surely there can be discretion in these matters?