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Thread: O2 Refuses Contract

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    O2 Refuses Contract

    I run a small company, my wife is director. We tried to obtain a business contract with O2 they refused it. It failed at credit check on the director. Then I tried to obtain a personal contract on my name they refused. They recommneded, I obtain my credit file from Equifax and review. I found nothing wrong with our file. We sent the file O2 who came and said we refused connection becuase of internal policy. They are not prepared to discuss this with anymore.

    If they don't want my business I am fine it but I think have right to know what they hold on our credit file. Is there any legal avenue which I persue to ask the reasons why they will not accept our application?

    Anybody else had such expereince with O2 or somewhere else?


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    Re: O2 Refuses Contract

    Quote Originally Posted by zoppz View Post
    I run a small company, my wife is director. We tried to obtain a business contract with O2 they refused it. It failed at credit check on the director. Then I tried to obtain a personal contract on my name they refused. They recommneded, I obtain my credit file from Equifax and review. I found nothing wrong with our file. We sent the file O2 who came and said we refused connection becuase of internal policy. They are not prepared to discuss this with anymore.

    If they don't want my business I am fine it but I think have right to know what they hold on our credit file. Is there any legal avenue which I persue to ask the reasons why they will not accept our application?

    Anybody else had such expereince with O2 or somewhere else?

    Are you certain your credit report is okay? My first credit report gave me an excellent rating, but because there was no information contained, it was only superficially good - a lack of information is as bad as a poor rating.

    In addition, you have no right to find out what a private company thinks about you, or the policies which dictate their actions.
    sig removed by Zak33

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    Re: O2 Refuses Contract

    Quote Originally Posted by IBM View Post
    ....

    In addition, you have no right to find out what a private company thinks about you, or the policies which dictate their actions.
    Not quite true. Some access exists .... data subject's right of access under the Data Protection Act.

    Whether that'll give an explanation for why they declined or not is another matter. I very much doubt it, but it'd depend on exactly what data they hold, and how they hold it.

    Different companies use credit report data in different ways, and company A may accept and company B reject on exactly the same credit file, depending on their policies. As long as those policies don't fall foul of discrimination laws than (as far as I'm aware) there's not much to be done. Companies aren't obliged to do business with everyone that approaches them or to explain why thy do not. They just can't reject on illegal grounds, but I'd doubt that they have and even if they had, it'll be a right bitch proving it.

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    Re: O2 Refuses Contract

    Quote Originally Posted by IBM View Post
    In addition, you have no right to find out what a private company thinks about you, or the policies which dictate their actions.
    I would suggest the Data Protection Act 1998 suggests otherwise.

    7 Right of access to personal data.

    (1)Subject to the following provisions of this section and to [F1sections 8, 9 and 9A], an individual is entitled—

    (a)to be informed by any data controller whether personal data of which that individual is the data subject are being processed by or on behalf of that data controller,

    (b)if that is the case, to be given by the data controller a description of—

    (i)the personal data of which that individual is the data subject,

    (ii)the purposes for which they are being or are to be processed, and

    (iii)the recipients or classes of recipients to whom they are or may be disclosed,

    (c)to have communicated to him in an intelligible form—

    (i)the information constituting any personal data of which that individual is the data subject, and

    (ii)any information available to the data controller as to the source of those data, and

    (d)where the processing by automatic means of personal data of which that individual is the data subject for the purpose of evaluating matters relating to him such as, for example, his performance at work, his creditworthiness, his reliability or his conduct, has constituted or is likely to constitute the sole basis for any decision significantly affecting him, to be informed by the data controller of the logic involved in that decision-taking.
    There are a few steps to follow, however there are a number of template letters on the web that are adequate for the purpose you mention.

    (2)A data controller is not obliged to supply any information under subsection (1) unless he has received—

    (a)a request in writing, and

    (b)except in prescribed cases, such fee (not exceeding the prescribed maximum) as he may require.

    [F2(3)Where a data controller—

    (a)reasonably requires further information in order to satisfy himself as to the identity of the person making a request under this section and to locate the information which that person seeks, and

    (b)has informed him of that requirement,

    the data controller is not obliged to comply with the request unless he is supplied with that further information.]

    (10)In this section—

    “prescribed” means prescribed by the [F3 Secretary of State] by regulations;

    “the prescribed maximum” means such amount as may be prescribed;

    “the prescribed period” means forty days or such other period as may be prescribed;

    “the relevant day”, in relation to a request under this section, means the day on which the data controller receives the request or, if later, the first day on which the data controller has both the required fee and the information referred to in subsection (3).

    (11)Different amounts or periods may be prescribed under this section in relation to different cases.

    [F4(12)A person is a relevant person for the purposes of subsection (4)(c) if he—

    (a)is a person referred to in paragraph 4(a) or (b) or paragraph 8(a) or (b) of Schedule 11;

    (b)is employed by an education authority (within the meaning of paragraph 6 of Schedule 11) in pursuance of its functions relating to education and the information relates to him, or he supplied the information in his capacity as such an employee; or

    (c)is the person making the request.]

    [F5(12)A person is a relevant person for the purposes of subsection (4)(c) if he—

    (a)is a person referred to in paragraph 1(p) or (q) of the Schedule to the Data Protection (Subject Access Modification) (Social Work) Order 2000; or

    (b)is or has been employed by any person or body referred to in paragraph 1 of that Schedule in connection with functions which are or have been exercised in relation to the data consisting of the information; or

    (c)has provided for reward a service similar to a service provided in the exercise of any functions specified in paragraph 1(a)(i), (b), (c) or (d) of that Schedule,

    and the information relates to him or he supplied the information in his official capacity or, as the case may be, in connection with the provision of that service.]

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