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Cellular forums Home > Archive > Cell Phones in Great Britain > October 2005 > faield credit check - options?
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faield credit check - options?
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| I really wanted to get the £25 vodafone pay monthly sim, 250 cross network
minutes and 1000 texts per month (which could also be used for data, 20
texts =~ 1MB), but I failed the credit check.
I'm now looking for PAYG alternatives, and here's what I'm thinking :
use an o2 genie sim card for voice calls and txt
get an orange payg sim and use the £4/4mb extra for gprs
This would give me 300 texts, 5MB GPRS and £10 of o2 payg call time for £14
per month, plus the added benifit of the £1/unlimited gprs extra when I need
it.
a few questions:
-do you get full internet access (web, mail, ftp) with o2 GPRS or is it just
wap/web?
-is there a minimum monthly top up requirement with orange PAYG? Ideally,
I'd like to put £20 on the sim and use it to buy the 4mb bundle each month
over the next 5 months. Will this work?
thanks for any input
andy
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| andy wrote:
> I really wanted to get the £25 vodafone pay monthly sim, 250 cross network
> minutes and 1000 texts per month (which could also be used for data, 20
> texts =~ 1MB), but I failed the credit check.
>
> I'm now looking for PAYG alternatives, and here's what I'm thinking :
>
> use an o2 genie sim card for voice calls and txt
> get an orange payg sim and use the £4/4mb extra for gprs
>
> This would give me 300 texts, 5MB GPRS and £10 of o2 payg call time for £14
> per month, plus the added benifit of the £1/unlimited gprs extra when I need
> it.
>
> a few questions:
>
> -do you get full internet access (web, mail, ftp) with o2 GPRS or is it just
> wap/web?
>
> -is there a minimum monthly top up requirement with orange PAYG? Ideally,
> I'd like to put £20 on the sim and use it to buy the 4mb bundle each month
> over the next 5 months. Will this work?
>
> thanks for any input
> andy
>
>
wap/web only.
orange do a 1 pound a day unlimited gprs as well
full internet
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| Dave C 2005-10-28, 5:49 pm |
| andy wrote:
>
> a few questions:
>
> -do you get full internet access (web, mail, ftp) with o2 GPRS or is it just
> wap/web?
>
No full Internet access on O2 PAYG. You can access the O2 pop server,
but no others
--
Dave C
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| a8359 wrote:
> orange do a 1 pound a day unlimited gprs as well
> full internet
That's not bad.
But what's "unlimited"?
Raoul
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| Stephen Henson 2005-10-28, 5:49 pm |
| In article <djtm2s$h9d$1@news7.svr.pol.co.uk>, raoul@raoul.raoul says...
> a8359 wrote:
>
> That's not bad.
>
> But what's "unlimited"?
>
I've only tried it once but must have hit more than 25Mb without the sky
falling in.
When it was mentioned on the Orange website there were none of the usual
weasel clauses such as "fair usage" etc. The extra isn't mentioned there
any more which makes me wonder if it will be "simplified".
Steve.
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| Stephen Henson 2005-10-28, 5:49 pm |
| In article <djtm2s$h9d$1@news7.svr.pol.co.uk>, raoul@raoul.raoul says...
> a8359 wrote:
>
> That's not bad.
>
> But what's "unlimited"?
>
Just to contradict my other post it is on O website. See:
http://www.orange.co.uk/service_pla...xtra_costs.html
Steve.
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| Stephen Henson wrote:
> In article <djtm2s$h9d$1@news7.svr.pol.co.uk>, raoul@raoul.raoul says...
>
>
> Just to contradict my other post it is on O website. See:
>
> http://www.orange.co.uk/service_pla...xtra_costs.html
That would seem to represent very good value. I will make a note of it.
Thanks,
Raoul.
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| Chuckles The Scary Clown 2005-10-28, 5:49 pm |
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"andy" <yeah@right.com> wrote in message
news:Cro8f.18208$6i4.14494@newsfe7-gui.ntli.net...
>I really wanted to get the £25 vodafone pay monthly sim, 250 cross network
>minutes and 1000 texts per month (which could also be used for data, 20
>texts =~ 1MB), but I failed the credit check.
>
> I'm now looking for PAYG alternatives, and here's what I'm thinking :
>
> use an o2 genie sim card for voice calls and txt
> get an orange payg sim and use the £4/4mb extra for gprs
>
> This would give me 300 texts, 5MB GPRS and £10 of o2 payg call time for
> £14 per month, plus the added benifit of the £1/unlimited gprs extra when
> I need it.
A genuine question which you should probably be asking yourself:
You've failed a credit check for a reason............do you really need to
be thinking of spending £14 per month on talking and texting people?
Maybe the £14 per month would be better spent repairing your credit history?
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| "Chuckles The Scary Clown" <postmaster@127.0.0.1> wrote in message
news:jGv8f.9646$iD.8165@fe2.news.blueyonder.co.uk...
>
> A genuine question which you should probably be asking yourself:
>
> You've failed a credit check for a reason............do you really need to
> be thinking of spending £14 per month on talking and texting people?
>
> Maybe the £14 per month would be better spent repairing your credit
> history?
here's a couple of genuine questions you should probably ask yourself:
is there more than one reason why people might fail a credit check?
should I really act like such a prick by making assumptions of people based
on very little knowledge of their situation?
I've been living in the UK for less than a year and therefore don't have an
established credit history. Do you still think I should be asking the
question you posed?
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| Neil.. 2005-10-29, 5:48 pm |
|
"andy" <yeah@right.com> wrote in message
news:ITF8f.9971$Jl3.5398@newsfe4-gui.ntli.net...
> "Chuckles The Scary Clown" <postmaster@127.0.0.1> wrote in message
> news:jGv8f.9646$iD.8165@fe2.news.blueyonder.co.uk...
>
> here's a couple of genuine questions you should probably ask yourself:
>
> is there more than one reason why people might fail a credit check?
> should I really act like such a prick by making assumptions of people
> based on very little knowledge of their situation?
>
> I've been living in the UK for less than a year and therefore don't have
> an established credit history. Do you still think I should be asking the
> question you posed?
>
Yes you should be asking these questions.
If you are now living in the UK (legally) then you must have gained some
credit history by now, presumable you are living somewhere, and working and
using a credit card etc. All these things count, so, if you have been failed
then your history is so poor that they will not take a chance.
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"Neil.." <guess@guess.co.uk> wrote in message
news:djvdue$fnu$1@ne
wsg4.svr.pol.co.uk...
> Yes you should be asking these questions.
> If you are now living in the UK (legally) then you must have gained some
> credit history by now, presumable you are living somewhere, and working
> and using a credit card etc. All these things count, so, if you have been
> failed then your history is so poor that they will not take a chance.
OK, so if I have no debt, and can afford to spend the £14 a month, or even
the £25 a month I was originally planning on spending, how would you suggest
I answer the original question?
according to the CCCS, I have no option but to periodically apply for credit
for small items such as a low limit credit card and a contract mobile phone
in order to establish some form of credit.
I didn't fail the credit check because of a bad credit rating as you and
your friend chuckles are assuming., I failed the credit check because of the
lack of a credit rating, and I'm doing the best thing I can in the
situation.
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| Paul D 2005-10-29, 5:48 pm |
| Neil.. wrote:
> "andy" <yeah@right.com> wrote in message
> news:ITF8f.9971$Jl3.5398@newsfe4-gui.ntli.net...
>
> Yes you should be asking these questions.
> If you are now living in the UK (legally) then you must have gained
> some credit history by now, presumable you are living somewhere, and
> working and using a credit card etc. All these things count, so, if
> you have been failed then your history is so poor that they will not
> take a chance.
No, the credit rating system doesn't work that way. People are regularly
failed for credit for not having built up a sufficient record of successful
borrowing i.e. if you have no debts and you don't borrow, that in itself can
give you a poor rating!
Conversely, if you are mortgaged up to the hilt, and you have a load of
credit cards, as long as you are keeping up your repayments on everything
then you will very likely have an excellent rating, with people queuing up
to lend you even more money.
Another reason for failing a credit test is if you haven't been in the UK
for very long. Credit histories abroad are not taken into account - you need
to have built up a borrowing record in this country over a period of time.
So what Andy says about his situation is absolutely correct.
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| Me, myself, I 2005-10-30, 5:48 pm |
| In article <DGO8f.140156$G8.14799@text.news.blueyonder.co.uk>,=20
Paul@whiskey.com says...
> Neil.. wrote:
ring=20[color=darkre
d]
=20[color=darkred]
>=20
> No, the credit rating system doesn't work that way. People are regularly=
=20
> failed for credit for not having built up a sufficient record of successf=
ul=20
> borrowing i.e. if you have no debts and you don't borrow, that in itself =
can=20
> give you a poor rating!
>=20
> Conversely, if you are mortgaged up to the hilt, and you have a load of=
=20
> credit cards, as long as you are keeping up your repayments on everything=
=20
> then you will very likely have an excellent rating, with people queuing u=
p=20
> to lend you even more money.
>=20
> Another reason for failing a credit test is if you haven't been in the UK=
=20
> for very long. Credit histories abroad are not taken into account - you n=
eed=20
> to have built up a borrowing record in this country over a period of time=
..=20
> So what Andy says about his situation is absolutely correct.=20
>=20
>=20
>=20
Indeed - there are a lot of self righteous c*nts around, not just in=20
this NG but in the country as a whole, that don't let the absence of=20
knowledge keep them back from forming and vehemently expressing an=20
opinion.
They would no doubt argue that being a democracy, this is freedom of=20
speech. More like freedom of talking shite...
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