Posted 2 January 2013
Very.co.uk "Credit Rejected" order status :(
Just bought a laptop off Very.co.uk using the "Buy now pay later" offer and the order status changed to "Credit Rejected".
I phoned them asking what this means and they said that I didn't fail the credit check (like the order status "Credit Rejected" suggests) but I failed the security check based on the details I gave when I registered.
The details I gave were all correct so when I asked what's wrong with the details she said they are unable to say. This makes no sense to me at all.
Has anyone else had this happen? Is there anything I can do?
I phoned them asking what this means and they said that I didn't fail the credit check (like the order status "Credit Rejected" suggests) but I failed the security check based on the details I gave when I registered.
The details I gave were all correct so when I asked what's wrong with the details she said they are unable to say. This makes no sense to me at all.
Has anyone else had this happen? Is there anything I can do?
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30 Comments
sorted byThis happended to me a couple of times with santander on the phone, they are sooooooooo strict, including knowing last 3 purchases and exact amounts they were, and your balance with 5-10%, Also dates any monies go in and the amounts for a joint account with lots of transactions ( inc monthly child benefit etc) this can be difficult. I learnt the hard way and get a mini statement before i phone now. Even though i could give them dates / amounts of other transactions it wasn't good enough, As they asked specific ones.
Yep. Save up and buy it then
Might be worth signing up for a free trial of Credit Expert to make sure nothing looks dodgy on there
Their security is awful, a chicken could probably get credit with them
Because of fraud, where i work and people call up to ask why the order has been cancelled all we can tell them its failed internal security checks and to ensure all the details given are correct. We can never tell them anything else because if they are a fraudster they will know how to best put the order though.
When calling them they just said that I failed their internal security checks and would not tell me why.
It is however VERY funny that anywhere else I tried to get this same laptop they were either out of stock or discontinued, Very were the only company that I could find with this in stock, I can only assume that they never had the lap top to sell in the first place
They give out credit to everyone. I know someone who has like 20 missed payments and got £600 credit.
When I was 18 I got £500, now I got over 3 grand. But then again I am 2.7k in debt with them now lol, so I guess you can take it a blessing in disguise. Everything they have is overpriced anyways.
Hi Pot, let me introduce you to my friend, Kettle.
Just thought it was weird that they aren't able to tell me why I failed the security check.
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No one is going to tell you how or why you failed a security check - otherwise you'll try again and try to find a way around it :P
That's true. Just annoying when you know there's nothing wrong, yet they still won't allow you to purchase anything.
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Are you already an account holder with them???? Maybe the item was for more than the amount they would allow you credit? I finmd them quite expensive anyway so you may get it cheaper elsewhere.
Got this email telling them to phone them so I did and she asked my order number, and then she asked why I was calling I said because of this email and then she confirmed my name, address and date of birth and then she said it was because I had asked it to go to another address on my first order and then she put it through
I ordered yesterday at 19:40 and then today at 9:46 I got the email, new order went through over the phone and displayed online at 14:13.
Email very vague though...
When I phoned them the "security" woman was super rude. Basically told me that was that. Goodbye.
And thanks InfinityLoop! Guess I'll wait till tomorrow then and see if I get an email from them.
And you also ended up with a set of overpriced headphones, not a good day really was it?
I rectified details and have been told to order. Now worried it won't go through again due to everything I've read.
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This checks that the details you have provided are correct by checking to see if they match against the fords stored by other companies like dvla, electoral registration, banks, phones, insurance etc. if you have changed your name by getting married, moved house or given a shortened version of a name e.g jim instead of James. They usually do this through companies like experian who will just give a score on different matches. If the score doesn't match heir requirement then you will get rejected. Very won't know why you didn't match, only that the score wasn't good enough. Check to see if you used any details that were different to other recent accounts you have.
EG, You wish to have new landline installed and you allow them to carry out a CC, that company cannot do the work due to their offer being finished and they agree to cancel that. You apply again on the next offer, however the first CC is also included and classed as bad credit on your second CC.
If I wanted to I could pay off the 2.7k right now. But whats the point when it's interest free credit.
At one point i had around £12,000 credit split between the two, despite the fact i made 1 order a year at most. It's gone down now (No longer use Littlewoods due to pricing) but recent limit is still pretty high on Very, Amazes me how much they're willing to give considering what they charge in interest.
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