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My order was declined. Why?

  • 12 October 2018
  • 16 replies
  • 3740 views
D
Rank
Userlevel 1
Hi

Very frustrated ‘customer’ here. July 2018, My wife wanted a new iPhone SE through car phone warehouse and was declined for a £15 a month tariff with no explanation as staff are not informed of the reason. We have an excellent credit rating and there should be no reason to be declined. So I tried my luck to register the phone in my name and bingo! No problem. New phone. Happy wife.

2 months later, my phone was due an upgrade and I thought i would go for the same phone and tariff as my wife’s as we were happy with the phone,service and deal. I was declined even though I am a existing customer with again no bad credit history, good salary, mortgage no credit card debts etc, confused and annoyed I was told to come back and try again in 30 days after this application had expired.

So today I tried again and guess what , I was declined again!! Again no reason given, I have no financial issues whatsoever and stress I am a existing customer with my wife’s new phone with an option for a second line according to the cpw man.

Even more annoyed I asked for the ID customer service number to complain as the member of CPW agreed I had a strong case. So I rang the 7777 number.......many options but not one for actually speaking a customer service rep no matter which option you choose.

can anyone help me further either with a response from ID who can look into my contract application or at least a number where you can speak to a human not a automated service.

i only want to buy your phone ! I don’t understand why I was declined.

Dave
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Best answer by Phil 15 October 2018, 14:56

Hi Dave, sorry to hear that we've not been able to accept your application in this case. There can be a number of reasons in which an order can be declined and not just due to credit rating.

We'd recommend that all the details used during your order are fully accurate and any payment methods are linked to the same address as that provided for the order.

You can call on 0800 049 0250 to speak with our Sales Team for a future application, but it's unlikely that the decision made in this case can be reversed.
-Phil
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16 replies

Phil
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Userlevel 4
Badge +6
Hi Dave, sorry to hear that we've not been able to accept your application in this case. There can be a number of reasons in which an order can be declined and not just due to credit rating.

We'd recommend that all the details used during your order are fully accurate and any payment methods are linked to the same address as that provided for the order.

You can call on 0800 049 0250 to speak with our Sales Team for a future application, but it's unlikely that the decision made in this case can be reversed.
-Phil
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D
Rank
Userlevel 1
Thanks for your reply but I went the same phone with a different provider and was accepted in an instant. Your credit rating system has cost you a customer and needs reviewing in my opinion.
S
Rank
Davec, both my wife and I are in exactly the same position as yours, with a no explanation decline for an additional family mobile contract and us both having impeccable credit records and excellent finances. In attempting to speak to id mobile we have received very conflicting and inaccurate advice yet still no resolution. What is disappointing is that my initial no quibble accepted application and early good service resulted in me recommending id mobile to many others. I am now keen to just see out my contract and get rid. Id mobile you appear to have a real problem area here!
Mohammed
Rank
Userlevel 7
Badge +9
Do you already have contracts with us @Smac and purchasing an additional SIM?

There is a limit to how many contracts can be taken out per account holder and it may be that there was a failed security check preventing further orders rather than a failed credit check.

Mohammed
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S
Rank
Thanks for your reply Mohammed.

I have one existing contract over three months old and was looking to acquire an additional phone contract for my son.

We have been advised separately by id mobile that it is possible to get additional family contracts.
D
Rank
Smac,
I too am in a similar position. I joined iD mobile in August and decided last week to get a cheap £5 sim only month contract from iD for my daughter. Everything with the online order seemed ok until the next day I got email advising my order was being cancelled due to a failed credit check (I have however 999 credit score on well known agency). Called customer services at iD and voiced my complete annoyance at this treatment as advisor could not give any specific reason for cancellation but logged my complaint giving me a reference number (no contact on this subject by iD to date). The advisor also suggested I try again as it may have been an error on input of information when applying, which I later did. Surprise surprise I got cancelled again.

There would appear to be a problem with holding two contracts in the same name, this being the only explanation I can see. I must also mention that according to Experian advisor, iD must give a better explanation of refusal on credit check grounds than you just didn't pass the check, as outlined in regulatory guidance .

I fully intend pursue a better explanation and seek to have any negative impact on my credit rating removed by this nonsense.
S
Rank
DavyG,

I am sorry to hear of your similar experience but at least now know for certain that I was not an unfortunate isolated case. As a family we have not previously had a problem with multiple family contracts and were therefore surprised to have this very harsh and certainly not customer friendly approach from iD.

Your comment as to Experian advice is of interest and I too am concerned over impacts on credit ratings.

What has frustrated me most is that with every contact there seems to be differing advice from their staff and a "russian roulette" approach to re-applications. We have been told yes do re-apply and it may possibly go through but bear in mind if refused this could affect your credit rating.

We have been told:

  • After the initial decline email, the application was still being processed and would be successful. It was not.
  • The refusal was down to three monthly payments not having been made. We waited till three payments made - STILL REFUSED
  • Try again after 6 payments and it MAY go through BUT may not.
  • A record would be put on the file and it would definitely go through next time. Without some confidence as to this I am unprepared to take the risk.
iD mobile need to get their act together and provide clear and comprehensive advice to both customers and their own staff as to multiple applications to avoid these ongoing issues.
Kevin
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Userlevel 6
Badge +8
Hi @Smac, @DavyG

In most cases it would be a maximum of 2 accounts per named account holder.

When applying for any line with ID Mobile, more is taken into account than simply the credit check alone.

Admittedly, it is a bit of a grey area when it comes to trying to pinpoint exactly what the refusal was based on, and no clear result is given in the notes by our systems that make things easier for our Customer Services Team to direct you with.

Could I ask what the 2nd lines you were both looking to get where? Did they include phones on contracts? or where they for a specifc SIM only plan?

We're going to pass this feedback on to some of our colleagues behind the scenes to try and find out some more on this subject. Our goal ultimately is to help eliminate the vague nature of responses on this issue, and provide better guidance for people in this predicament.

Kevin
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D
Rank
Hi Kevin,

I joined iD in August 2018 on a sim only £10 p.m. 8GB data 500 min, unlimited texts (1 month contract) no porting involved, new number.

I wanted a sim only £5 p.m. 1GB data 500 min, unlimited texts (1 month contract) for my daughter, which is the contract I tried to buy online and was later declined by email advising I had failed the credit check process.

Still not received any further contact from iD on customer complaint, raised last Thursday on this matter, have now effortlessly signed up for Plusnet account for my daughter.
S
Rank
Hi Kevin, in our case it was a second phone contract in my wife's name for our daughter and a second phone contract in my name for our son.

We will be probably looking to start a new contract for our daughter with her previous provider. I would again suspect it will be effortless like DavyG has found.
Kevin
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Userlevel 6
Badge +8
Hello again @DavyG @Smac

We've had an interim reply from our fishing for information.

We've been told that usually, only 1 new contract (with a phone) would usually be able to go through in a 6 month period (in an individuals name). Though there can be some inconsistencies with that.

However, music to our ears is that this is apparently already an ongoing thing that our team behind the scenes have been investigating this already and it's one of several points of interest that as a company we're looking to get a more black and white set of rules on to help customers such as yourselves and others.

So whilst we're sorry we can't alleviate these troubles right now. We're confident and happy at least to know this grey area has not gone unnoticed by those that can make things happen for such an issue.

Kevin
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D
Rank
Kevin,

The biggest issue I personally have is the way iD give their potential customers the idea that something is not acceptable with their credit history to allow the contract to proceed.
See below for standard response I received:

Sorry, but we are unable to process your order (reference)
Unfortunately you didn't meet the credit check criteria required for the contract you requested.
As we couldn't connect you on the contract you requested, no money/payment has been taken from your account at this point.
We know this isn't the news you wanted, but all is not lost - why not check out our flexible, great value Pay-as-you-go SIMs? You can buy one without going through a credit check, and our big value bundles start at just £5.
Your Credit Application
For your information, here is a brief summary of how we process each credit application we receive:
  • We use various credit reference agencies to obtain information relating to your address, identity and personal credit history.
  • We then assess this information against set criteria.
The decision to accept your credit application is based on whether your credit history meets these criteria.

Regards,
The iD Team

The first thing iD should be focused on during this establishment of better guidance on contracts, how many etc etc, should be the rewording of the response to customers like myself making it clear that it is a policy decision not to accept multiple contracts and by no means reflects credit standing.

I'm sure that you can appreciate that receiving a statement like your current response above, only raises I'll feeling towards your company.

Furthermore I would expect NO negative impact on my credit file as it should be clarified that the cancelled contracts by iD are nothing to do with my financial history.

DavyG
S
Rank
The above detailed iD standard response was the same one that my wife and I got. Following this reply to my wife's application (the first), the shock and disbelief made us immediately apply and check her credit record to ensure that there was no unknown fraud or similar activity showing that may have caused this.

After her contact with iD Mobile she was told that the refused application was no doubt that three payments had not yet been made on her contract but after three payments an application should go through successfully.

As I had made three payments on my contract, this encouraged me to make an application which was then refused with the same standard response.

It is encouraging to know that changes are afoot but this is a little too late for us that have suffered very inconsistent advice from your staff with now potentially adverse affects on credit records.

I too would like confirmation that there will be no negative impact on my credit file.

SMac
Kevin
Rank
Userlevel 6
Badge +8
You've both made some great points there @Smac, @DavyG

I've raised the question about the credit score issue, and should hopefully have an update on this within 1-2 working days. I'll come back to this post by Tuesday of next week with the outcomes there.

Hopefully it'll simply be that our systems rejected the order before it got through to the stage of having to check your credit file etc, but again, we'll get an answer on that.

Separately too. We've raised the concerns over the wording of the automated emails that get sent out upon these rejections. Whilst we can't undo the frustrations caused to this point, we are indeed sorry for the turn of events and the efforts made to get answers on this. Ultimately, this has been a learning experience for everyone, and it's only natural that we'd want to learn from that and improve from that on our side, for everyone's benefit.

We'll catch up again next week. For now, have a great weekend.

Kevin
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elliespells
Rank

I have recently had this exact same issue and am unable to speak to anyone at ID as the customer service lines are not currently running. Can you provide any clarity on what the outcome was on the above cases. I would like to know whether I have experienced a credit check failure or whether this was actually a decline from ID’s systems as has been suggested above. 
 

I would really appreciate a response from ID on this as soon as possible. 
 

Many thanks, 

Ellie 

Rory
Rank
Userlevel 3
Badge +6

Hi @elliespells, thanks for getting in touch, and sorry to hear about your order being declined. Did you receive any sort of email correspondence explaining why your order wasn’t processed on this occasion? The most common reasons would be a failed credit check, a failed internal security check, or the fact you already have too many active lines with iD Mobile. 

If you still need us to shed some light on your particular case, just let us know and we’ll get someone from the team to drop you a private message.

 

Thank you,

Rory

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