Questions Of Cash: 'I have a good credit record, but Vodafone refused me an account'
Saturday 21 January 2012
Q. I went into a Carphone Warehouse shop and requested a Vodafone micro SIM to use with my iPad, at a cost of £3 per month. I had to provide my personal details and apply for an account with Vodafone. I was then told I had been refused. When I asked what I should do, the shop gave me a web address to contact – creditexpert.co.uk – for a 30-day, free trial period. I saw my report, which shows that I have a good record. It also shows that Vodafone has seen it. It does not explain why I have been refused credit. What can I do? ID, London.
A. Micro SIMs are new format SIM cards that are smaller than the chips we have become used to in our mobile phones. They are compatible with iPads and iPhones. You were understandably offended when your application for one, involving a very small credit account, was rejected by Vodafone. You were also unclear about why this should have happened. We shared your surprise when we looked at you credit record – which was perfect, in the sense that you are on the electoral register, you have a long history of living at your address and there has never been any query about either your earnings – which are more than sufficient to support a very large credit account – or your payment history.
Having satisfied ourselves that your credit record is excellent, we challenged Vodafone regarding the reason for its rejection of your application – and the explanation is that there was a misunderstanding. Vodafone explains: "The application was received as a request for a laptop and was failed on [the] score – our credit requirements for laptops are understandably higher than they are for SIM-only applications."
If you reapply, either direct to Vodafone or via Carphone Warehouse, your application for a SIM-only account will be approved. The criteria for an application that includes the supply of a laptop is based, in part, on a person's history of managing credit accounts. You do not have a recent history of credit accounts and so your application was rejected. Vodafone apologises for the inconvenience.
Q. I cancelled my internet and phone account with Virgin Media in September. Shortly afterwards I received a call from Virgin Media offering me a free month. I said yes because I thought this was a chance to evaluate the service. What Virgin Media did not tell me was that it was cancelling my service cancellation.
I assumed Virgin Media would switch-off the account at the end of that month. Now I am still receiving bills, because I have to serve a new cancellation period and have also been charged a £10 late-payment penalty because I discontinued my direct debit as I thought the account had been cancelled. WS, Edinburgh.
A. Virgin Media points out it took you two months to inform the company that the service had not been disconnected as requested. However, it has agreed as a gesture of goodwill to refund your monthly standing charges for the period from 26 October to 9 January, when the new cancellation period expired: a total of £67.93.
Q. My friend paid £200 as a deposit for a new kitchen for his daughter after seeing an advertisement in a newspaper. He had the company, Kitchens 4 Less in Doncaster, call round to take the measurements. He has a receipt and been promised a refund, but no money has been repaid. JS, Belfast.
A. The phone number you supplied us with rings as unobtainable. There is not a company of that name listed in directory enquiries. There is no current listing in Doncaster's online business directories. There is no website that we could find operating in the name of the company, nor of any other business listed at the address you supplied. In short, we can find no evidence that the company is still trading.
Whether your friend can recover his money may depend on how he paid his deposit. Did he use a credit card or a Visa debit card? If so, the card issuer will accept joint liability for the failure of the trader to perform the contracted supply. There is also the chance that if the supplier was a self-employed person and not a limited liability company, your friend might be able to take action through the Small Claims Court.
Questions of Cash cannot give individual advice. But if you have a financial dilemma, we'll do our best to help. Please email us at: email@example.com
Independent Partners; request a free guide on NISAs from Hargreaves Lansdown
- 1 Scottish independence: Ireland since 1919 is a lesson for Scotland in what a Yes vote means
- 2 British tourists 'murdered' in Thailand: Pair's bloodied bodies found naked on Koh Tao beach
- 3 Lego breaks out of the toy box and heads for the gallery
- 4 Vogue under fire for 'Big Booty' article
- 5 Julian Assange and Edward Snowden join piracy mogul Kim Dotcom’s political campaign in New Zealand
Daniele Watts: Django Unchained actress detained by Los Angeles police after being mistaken for a prostitute
The political class is doing what Hitler couldn’t – destroying Britain
Scottish independence: Nationalist leader Jim Sillars threatens pro-union companies with 'day of reckoning' after independence
Scottish independence: Yes campaign feels the heat as Alex Salmond's NHS claims come under furious attack
£23m Birmingham cycle scheme is attacked by Tory councillor for not catering to the elderly
Salmond accused of laughing off national debt with ‘what are they going to do: invade?’ joke
iJobs Money & Business
£280 - £320 per day: Ashdown Group: The Ashdown Group have been engaged by a l...
£400 - £450 Per Day: Clearwater People Solutions Ltd: **URGENT CONTRACT ROLE**...
£35000 - £38000 per annum + Benefits: Ashdown Group: Training Coordinator / Pl...
Data Governance Manager (Solvency II) – Contract – Up to £450 daily rate, 6 month (may go Permanent)
£400 - £450 Per Day: Clearwater People Solutions Ltd: We are currently looking...
Day In a Page
A first-floor flat with two bedrooms, a spacious reception room and communal grounds in a leafy part of London
A three-bedroom flat with a spacious rootop terrace and balcony, accessed from a private gated courtyard
A Grade II-listed pile with six bedrooms, stables and 39 acres of grounds in Standlake
A two-bedroom flat with boutique hotel-style interiors, close to the foodie haunt of West End Lane
A two-bedroom flat in a beautiful old vicarage, with many original features, close to the city centre
A three-bedroom 16th-century home with an aga kitchen, private gardens and heated outdoor pool, in Hadleigh
A three-bedrom home in sought-after Queen's Gate Mews, with Italian marble-finished bathrooms
Surrounded by glorious countryside in the village of Udimore, sits this impressive four-kiln oast and barn conversion
A five-bedroom house in the picturesque village of Kettlewell, north Yorkshire
An 18th-century former coaching inn with original staircase, open fireplaces and beams throughout
A Grade II-listed Georgian town house with three bedrooms and a south-facing courtyard, near Arundel Castle
Feel on top of the world at this über chic penthouse on the 37th floor of one of Europe’s tallest blocks.
A Grade II-listed Victorian villa with six bedrooms and two further cottages, all with spectacular sea views
A grade II-listed, Georgian cottage with mature 50ft garden, perfect for summer entertaining
A magnificent Georgian pile with turrets, seven bedrooms, a heated pool and four acres of gardens
Fairoak Farm has five bedroom suites, gym, outdoor swimming pool and golf course
Chic two-bedroom river-fronted flat with a private lift that delivers you directly to your home
A spectacular seven-bedroom Tudor pile, once owned by Henry VIII, with 18 acres of land
A seven-bedroom Georgian property previously used as a picturesque wedding venue
A split-level flat in a church conversion with two en suite bedrooms and 1,200sq ft of living space
A three-bedroom bungalow situated behind an impressive stone wall, £645,000
Windsor Castle overlooks this three-bedroom Victorian cottage located on one of Windsor's smartest roads
Chapel House is a former vicarage with nine bedrooms in the beautiful Upper Wye Valley
A five-bedroom B&B and separate owner's accomodation with potential for conversion
Enjoy summer by the Thames in this two double-bedroom converted warehouse in Rotherhithe village
A one-bedroom, luxury apartment with private gym and concierge service in Moorgate
A four-bedroom house in Hermitage Gardens with three reception rooms and landscaped gardens
A seven-bedroom Grade II-listed property with a separate self-contained apartment
A five-bedroom Victorian house with three reception rooms and galleried landing, £695,000
A six-bedroom farmhouse with five acres of land in a former cloth-making village
A secluded seven-bedroom detached house with large private garden, £490,000
A three-bedroom cottage overlooking Sarratt village green with open fires and solid oak floors
A three-bedroom maisonette flat in a Grade I-listed, Georgian townhouse in a sought-after location
A one-bedroom apartment located within a private gated development, north of Turnham Green
Look forward to a brighter future at two-bedroom Sunny Cottages, ideal for Londoners looking to downsize
A three-bedroom red-brick cottage with outbuildings and pretty gardens, £200,000
This three-bedroom flat within a former textile factory spans the corner of the fourth floor and has a balcony