Digital Spy

Search Digital Spy
 

DS Forums

 
 

virgin credit check how strict ?


Reply
Thread Tools Search this Thread
Old 01-11-2007, 15:04
jakemuk
Forum Member
 
Join Date: Jun 2006
Posts: 17

Hello All,

I am thinking about ordering virgin, My credit file isnt great am on the way to repairing it, But still affects me,

Can anyone tell me how strict it is ? Never been with virgin or NTL before
jakemuk is offline   Reply With Quote
Please sign in or register to remove this advertisement.
Old 01-11-2007, 15:08
mossy2103
Forum Member
 
Join Date: Aug 2005
Posts: 57,961
Like most other companies, they will probably just use one of the main Credit Reference agencies such as Equifax or Experian. What they allow for I do not know though.
mossy2103 is offline   Reply With Quote
Old 01-11-2007, 15:10
jakemuk
Forum Member
 
Join Date: Jun 2006
Posts: 17
Yeah what i thought, any other info anyone
jakemuk is offline   Reply With Quote
Old 01-11-2007, 15:13
Free-who
Forum Member
 
Join Date: Dec 2006
Location: Bournemouth
Posts: 735
Mine is the same...when i joined in feb they where going through the ntl-virgin change at the time...the 1st time i rang up they said they would have to do a credit check..which came back negative so my nan had to deposit 100 to them and after 6 months i would get it back but later on when i rang them again they lost all my details but they didnt ask for the 100 deposit...

Aweek or so later they came round and installed it all in..had no probs since..
Free-who is offline   Reply With Quote
Old 01-11-2007, 15:13
GlastoGirl
Forum Member
 
Join Date: Jul 2004
Location: Solihull, West Midlands
Posts: 289
Hi Jake,
VM rarely decline unless extreme circumstances like bankruptcy. They will probably add conditions of sale to your account like a 100 pre-payment, a credit limit and/or a premium rate bar.
Hope this helps
GlastoGirl is offline   Reply With Quote
Old 01-11-2007, 15:17
Free-who
Forum Member
 
Join Date: Dec 2006
Location: Bournemouth
Posts: 735
Hi Jake,
VM rarely decline unless extreme circumstances like bankruptcy. They will probably add conditions of sale to your account like a 100 pre-payment, a credit limit and/or a premium rate bar.
Hope this helps
Iam not bankrupt its just my credit rating..thats all.
Free-who is offline   Reply With Quote
Old 01-11-2007, 15:19
GlastoGirl
Forum Member
 
Join Date: Jul 2004
Location: Solihull, West Midlands
Posts: 289
then the worst it will be is the 100 deposit I should think
GlastoGirl is offline   Reply With Quote
Old 01-11-2007, 15:19
stud u like
Forum Member
 
Join Date: Aug 2005
Location: The Sunny Side Of The Street
Posts: 38,020
If you have money in the bank,they are quite happy to take it out.
stud u like is offline   Reply With Quote
Old 01-11-2007, 15:21
jakemuk
Forum Member
 
Join Date: Jun 2006
Posts: 17
Hi Jake,
VM rarely decline unless extreme circumstances like bankruptcy. They will probably add conditions of sale to your account like a 100 pre-payment, a credit limit and/or a premium rate bar.
Hope this helps
ok cheers, i dont mind 100 quid deposit, Do you work for VM then ?
jakemuk is offline   Reply With Quote
Old 01-11-2007, 15:23
AlferdPacker
Forum Member
 
Join Date: May 2007
Location: D.D.D.Danger zone!
Posts: 3,328
If you have money in the bank,they are quite happy to take it out.
Here we go. There can never be a thread on this site that isnt turned into Virgin Media bashing.
AlferdPacker is offline Follow this poster on Twitter   Reply With Quote
Old 01-11-2007, 15:28
GlastoGirl
Forum Member
 
Join Date: Jul 2004
Location: Solihull, West Midlands
Posts: 289
Yes I do but shhhh keep it quiet!
GlastoGirl is offline   Reply With Quote
Old 01-11-2007, 15:35
jakemuk
Forum Member
 
Join Date: Jun 2006
Posts: 17
Yes I do but shhhh keep it quiet!
ok cool, Well im not bankrupt i do have 2 ccj's though one ive cleared the other will be shortly,

i hope i dont get a direct no is it instant decision during the sales call ? much the same as bt where i work
jakemuk is offline   Reply With Quote
Old 01-11-2007, 15:42
GlastoGirl
Forum Member
 
Join Date: Jul 2004
Location: Solihull, West Midlands
Posts: 289
If the outcome is 100 deposit or better then it will be an instant decision. If you can pay the 100 there and then with a credit or debit card you will get an install date.

If your CCJ creates a 'referral' then it will be a couple more days and I can't say what the outcome will be because it will be a manual decision.

Unlikely to be a referral though I would have thought.
Good luck!

GG
GlastoGirl is offline   Reply With Quote
Old 01-11-2007, 15:57
daveetwo
Forum Member
 
Join Date: Aug 2005
Location: Southampton, Hants
Posts: 5,366
Hi Jake,
VM rarely decline unless extreme circumstances like bankruptcy. They will probably add conditions of sale to your account like a 100 pre-payment, a credit limit and/or a premium rate bar.
Hope this helps
I got turned down and despite offering a pre payment, or imposing any sort of limit they refuse point blank to even consider. A no is an emhpatic NO even if you write to thier accounts department and even if you write to head office and even if you write to virgin HQ.
Even if your a customer of virgin/exntl for 9 years on top packages for the whole time a no is still no it seems.
daveetwo is offline   Reply With Quote
Old 01-11-2007, 16:00
jakemuk
Forum Member
 
Join Date: Jun 2006
Posts: 17
I got turned down and despite offering a pre payment, or imposing any sort of limit they refuse point blank to even consider. A no is an emhpatic NO even if you write to thier accounts department and even if you write to head office and even if you write to virgin HQ.
Even if your a customer of virgin/exntl for 9 years on top packages for the whole time a no is still no it seems.
mmmm thats not filling me with confidence
jakemuk is offline   Reply With Quote
Old 01-11-2007, 16:06
daveetwo
Forum Member
 
Join Date: Aug 2005
Location: Southampton, Hants
Posts: 5,366
mmmm thats not filling me with confidence
Just give it a try they can at worst say no and at best let you have it. I just couldnt see the logic why they refused any sort of compromise.
Virgin mobile consider themselves a totally different company from virgin media so they wont even look at a customers track record with virgin media.
Head office of virgin mobile didnt even answer my letter.
Its not enough for me to move from virgin media but i will never ever use virgin mobile and this is from someone who is a big branson fan.
daveetwo is offline   Reply With Quote
Old 01-11-2007, 16:08
jakemuk
Forum Member
 
Join Date: Jun 2006
Posts: 17
Just give it a try they can at worst say no and at best let you have it. I just couldnt see the logic why they refused any sort of compromise.
Virgin mobile consider themselves a totally different company from virgin media so they wont even look at a customers track record with virgin media.
Head office of virgin mobile didnt even answer my letter.
Its not enough for me to move from virgin media but i will never ever use virgin mobile and this is from someone who is a big branson fan.
i dont want the mobile service is that what you got refused for ? i only want tv and broadband so in essence no credit realy needed apart from a fixed ammount low risk woulda thought 25 a month
jakemuk is offline   Reply With Quote
Old 01-11-2007, 16:13
daveetwo
Forum Member
 
Join Date: Aug 2005
Location: Southampton, Hants
Posts: 5,366
i dont want the mobile service is that what you got refused for ? i only want tv and broadband so in essence no credit realy needed apart from a fixed ammount low risk woulda thought 25 a month
Sorry jake i misread your post. yes it was mobile i got turned down for.
Youl find virgin media a different proposition i believe.
Never had problems there apart from some screwed up bills but that all got resolved. Go for it.
daveetwo is offline   Reply With Quote
Old 01-11-2007, 16:19
GlastoGirl
Forum Member
 
Join Date: Jul 2004
Location: Solihull, West Midlands
Posts: 289
" Go for it. "

seconded
GlastoGirl is offline   Reply With Quote
Old 01-11-2007, 16:30
jakemuk
Forum Member
 
Join Date: Jun 2006
Posts: 17
" Go for it. "

seconded
well glasto as you know

I got accepted all be it 100 quid deposit but thats all cool,

and im goin for quickstart so even better, question is with quickstart do you pay install hope not as im doing it ?
jakemuk is offline   Reply With Quote
Old 01-11-2007, 16:47
GlastoGirl
Forum Member
 
Join Date: Jul 2004
Location: Solihull, West Midlands
Posts: 289
well done!
sorry I don't know about Quickstart, I'm not in sales specifically - you should have asked them!
GlastoGirl is offline   Reply With Quote
Old 01-11-2007, 17:03
dave_dph
Forum Member
 
Join Date: Sep 2004
Posts: 215
well glasto as you know

I got accepted all be it 100 quid deposit but thats all cool,

and im goin for quickstart so even better, question is with quickstart do you pay install hope not as im doing it ?
If you opt for quick start then there is no install fee as you are doing it yourself!
dave_dph is offline   Reply With Quote
Old 01-11-2007, 17:23
Free-who
Forum Member
 
Join Date: Dec 2006
Location: Bournemouth
Posts: 735
well glasto as you know

I got accepted all be it 100 quid deposit but thats all cool,

and im goin for quickstart so even better, question is with quickstart do you pay install hope not as im doing it ?
Wel done and welcome to virgin...enjoy..we all do really..just dont tell anyone..
Free-who is offline   Reply With Quote
Old 01-11-2007, 19:00
hurrikane313
Forum Member
 
Join Date: Sep 2007
Location: Nottingham
Posts: 1,660
Hello All,

I am thinking about ordering virgin, My credit file isnt great am on the way to repairing it, But still affects me,

Can anyone tell me how strict it is ? Never been with virgin or NTL before
I probably have the worst credit rating in the world, due to incurring financial difficulties after a family members death. But I never had any problems with getting VM, ordered it online and was installed five days later.
hurrikane313 is offline   Reply With Quote
 
Reply



Thread Tools Search this Thread
Search this Thread:

Advanced Search

 
Forum Jump


All times are GMT +1. The time now is 12:46.