Credit refused

[magicbeatledel]

Hi,
anybody understand why I would of been refused credit at curry's. Just went to buy a pc for about £800.00 on 12 month interest free credit. I was refused. Unbelievable!
I earn over £40:000 per annum and do not have anyone chasing me for money. I have a bank loan of £7:000 with my bank. That's no problem as I pay by direct debit every month with no problem. An argos card with only a couple of hundred quid left to pay until September. And my credit card is clear. Just got an iPhone from orange (£45 a month) with no problems. This has never happened to me before. I am perplexed! Any ideas?
Thanks

[sara3]

your ID may have been hijacked. you should get some credit references done.. Equifax and.... I can't think of the names of others!

check your own credit rating.

[sara3]

Experian

[aniani]

Experian

[ummmm]

It could be a simple mistake.

[boxtops]

Each sho[p/company offering credit has its own criteria so it's hard to say why you've been refused but I am not sure if the company has to tell you the reason for refusal. It might be worth your while asking for a credit rating report from experian or a company like that, just in case something has crept into your credit rating in error. It only costs about £3.

[ummmm]

Interest free?

[sara3]

Sgt-Paull, no one spends their own money when they don't have to.

[robbo966]

Does anyone else in your house have credit ? They may have a bad record which can affect you.

[magicbeatledel]

Thought that question might come up. I just spend it all. No savings. I get through over £2200 pound every 4 weeks. £445 a month paying back the bank loan. After rent, bills, food etc I only have about £450 pound a month to myself in my pocket. And I just spend it. Days out, dvd's, cd's eating out etc.

[sara3]

are you single? ;o)

[ummmm]

It's your money...you can do what you want with it.

[boxtops]

Lucky old you. Those were the days!

[magicbeatledel]

My wife recently had her phone stolen and £300 pound worth of calls made. O2 were basterds about it and we fought them for about 4 months. In the end we just had to pay it even though wehad a crime reference number. Payed them in one go about 6 weeks ago so that should be over with.

[robbo966]

That's probably the answer, it happened to my mate same outcome bad credit reference.

[ummmm]

Why Paul? What's wrong with that?

[sara3]

Sgt-Paull, why wouldn't he have £450 left over?

[boxtops]

I think Paull's' coming from the same place as me - nice to have £450 left over after the bills are paid! That's what I meant when I said "those were the days" - I could do that too at one time, but it was many years ago now, things very different these days.

[Canary42]

I suspect O2 have besmirched your credit record. Essential that you check it and get it amended.