Hi , I wonder if anyone else has experienced this. For many years I have had three mobile contracts with Virgin, for myself, my son and my daughter. I have been with Virgin for a good 20 years, never missed a payment or had a late payment and I have no bad credit. Today when I tried to upgrade one of my phones, as the contract has just finished, I was told after doing the credit checks that they would not be able to offer me that contract for the Samsung phone I want, which is for £28 per month, but offered me an Oppo phone that I don't want. I was very annoyed about this as I have no problem affording the contract, it is only £5 per month more than the one I have been paying for the last 2 years! Anyway, they told me this is down to Equifax as they only go by the info on there. I signed up to Equifax and cannot see any reason why I shouldn't have got the contract as there's nothing bad on there. Equifax say on their website that it is down to individual companies if they refuse you a contract. I wonder what other criteria Virgin are taking into account to still refuse me when I have a good credit record.
Anyhow, as I was checking Equifax I also noticed that they have my old address from two addresses ago as the address for my virgin contracts rather than where I currently live. This makes no sense to me as two of my contracts were set up last year under my current address. There isn't even a good reason why the contracts would be in that old address. When I did my last upgrade, I had an ongoing problem with not receiving the packaging they were meant to send me to send back a phone. This went on for months, and I was told by Brightstar that they had this old address on the system Virgin had given them and had been sending packaging there, even though I had updated it. When I complained to Virgin about this, they said they had no knowledge of an old address on the system relating to my contracts. So I am a bit stuck if they are insisting they don't have an old address for me on their system, yet on Equifax I can see for myself that my phone contracts are being related to my old address. Anyone know what I can do about this? Sorry about the long post!
Thanks for responding. I haven't managed to speak to anyone about the address issue yet, I just saw on Equifax after I signed up to it today that it states the address underneath each contract and each one says an address I haven't lived at for two years, even the new contracts I began last December.
With regards to the limits on contracts for handsets, I realise it doesn't matter what I say as nothing will change this, but I just think it is a bit wrong as I have always had three contracts with Virgin, never defaulted on anything and this new one is only £5 difference in price to what I had before. I just don't understand why I am suddenly considered a credit risk when I have never been one.