Quote:
Originally Posted by SamW
The credit checks at Virgin are silly, shouldn't really be there for such low payments.
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hmm, can't believe u honestly think that. I mean come on - you sign up for a pay monthly deal, you pay by direct debit & the company provides you with credit. What company would not do a credit check?
you'd be amazed at how many ppl who have passed credit score run into problems - there would be a lot more if there was no credit check. sometimes if customer has been roaming charges could mount up to thousands of pounds. I have seen one person who mismanaged his mobile when abroad & he ran up a bill of £4500.
at the end of the day, in order to have direct debit set up, virgin have to provide the customer with credit. they would be stupid to provide credit without checking first to see if it is save to provide that credit. They would soon be out of business.
As well as checking if potential customer has a good credit score, the credit check also checks ID is a genuine ID. If there was no credit check then fraudsters could open up as many accounts as they wanted with the company providing them credit. Organised crime would be quick to take advantage, they already account for massive frauds with all mobile companies. Virgin would be out of business within 6 months.
FYI, a few simliar companies which do credit checks
Sky
O2
Orange
Vodaphone
T Mobile
3
BT
Basically any company which provides the customer with credit.