Hi IanCW,
Thanks for your post and welcome to the Community. It's really great having you on board with us here.
enlli is 100 right here. Even though the mobile and media fall under the same company, they are 2 separate accounts so should you wish to take out a SIM plan, you would need to pass a credit check. The phone's we supply don't come with the SIMs anymore. Instead it is classed as a freestyle loan for the phone giving you more freedom to upgrade as and when you wish too.
If you would like to talk this through fully, speak to the Mobile sales team on 0800 052 0238 and they can go through things with you 🙂
Thanks,