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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

Store manager lied so I would pass my credit rating

44 replies

user1481754448 · 15/12/2016 17:47

I recently got an iPhone S Plus on a contract. I wasn't sure if I would pass the credit rating as I've been a student most of my life and I'm currently on a full time postgraduate course.

I did explain that I had passed a credit rating with my broadband provider recently.

Anyway I wasn't asked any questions about my employment status or income and was simply told my credit check was fine and I was given the phone.

I did explain that I only had £50 in my account that day so they knew I wasn't well off.

I am very careful with money so I know I can afford the contract but I'm a bit concerned.

My papers clearly show the manager has put that I have been in employment and with the same company for over 10 years!!!! I'm not even in employment. I do get funded for my PHD but it doesn't count as employment at all.

Unless I started work at 16 I can't have been at the same place for 10 years.

I'm worried now. Do I say anything and cancel the contract? Maybe my genuine details were declined for credit so he made things up?

as far as I'm aware I have a decent credit rating but it's not perfect as I had a county court judgement against me a year ago (£10 left on a bill I knew nothing about until the judgement was made).

Aibu if I speak to the customer services about this? I don't want to get the manager in trouble.

OP posts:

dingalong · 15/12/2016 19:08

This reply has been deleted

Message withdrawn at poster's request.

Original poster

user1481754448 · 15/12/2016 19:10

Of course he's on commission! 😂 Some may think what he did was okay in itself but to lie and not even tell me?

OP posts:

Chippednailvarnishing · 15/12/2016 19:17

But I am on a low income and if my circumstances change that could change

Then why on earth are you signing a contract for a non-essential item? An iPhone is a luxury. Cancel the contract, get a pay as you go phone.

Original poster

user1481754448 · 15/12/2016 19:20

I don't think being on a low income means you shouldn't have any luxury. It is my only luxury and I can afford to pay. Circumstances can change for anyone.

I just didn't want the contract on false pretences.

OP posts:

Chippednailvarnishing · 15/12/2016 19:23

If a "change in your circumstances" would have such a big effect that you might not be able to afford something as small as a phone contract, then you shouldn't sign it.

bungaloid · 15/12/2016 19:45

It depends on the criteria the company employs, but I doubt employment comes into it that much. They certainly won't be trying to gauge security of employment for a phone contract. Name, address, check against electoral register, credit score, CCJs. The only person life becomes difficult for if you miss payments is you. I personally wouldn't sweat it.

dowhatnow · 15/12/2016 19:45

I'd feel nervous about it too. What happens if it comes to light? Will you be able to prove it was the manager lying and not you?

FizzBombBathTime · 15/12/2016 19:55

I have loads of defaults and never been on the electoral register, I have a contract for two phones. Doubt you would have failed if

FizzBombBathTime · 15/12/2016 19:55

It*

BdumBdummer · 15/12/2016 19:58

If it doesn't tell the truth and you know it, cancel the contract. It is fraud and you would be complicit in it. Sorry to be so brutal.

amicissimma · 15/12/2016 21:00

This reply has been deleted

Message withdrawn at poster's request.

bungaloid · 15/12/2016 21:15

Honestly, chances of any repercussions because of this are a big fat zero. In fact, repercussions will only come if you miss payments - as is always the case with credit. I suspect the bar is pretty low to obtain a phone contract.
This is not some kind of slippery slope to mortgage fraud or embezzling company funds. Whatever garbage the person could have written on the form for employment would have had minimal or probably no impact in the assessment. Saying you are complicit in "fraud" is overstating it. Your credit record as per the usual agencies is what gets you over the line, not some unverifiable employment history. Perhaps if you were actually unemployed and they deliberately hid this you could raise a concern, but I couldn't get worked up by some trivial mistake for a phone contract. Even if you fail the initial verification they just ask for a temporary charge on a credit card to prove you have some theoretical credit available.

bungaloid · 15/12/2016 21:19

Actually you are not employed, but hey ho - the point still stands. I had phone contracts as a student......

KatieScarlett · 15/12/2016 21:23

My student son got a contract phone 3 months ago. He is not working.

PodgeBod · 15/12/2016 21:26

I've had a contract before whilst unemployed.
Honestly, I don't see the issue. You wanted the contract, you must be confident you can afford it, and you have the contract.
Cancel the contract under the cooling off period if you don't want it, but don't start going on about fraud and get the guy fired just before Christmas!

BdumBdummer · 16/12/2016 17:25

Sorry to break the news but if he lied and you knew about it, it is a big deal. I see this sort of thing in my job daily. I see people getting poor credit rating for this kind of thing which messes them up. I see people getting prosecuted. Course you can get credit on a very small income- as long as it's within your means. Don't lie to get credit because it will come back and bite you on the arse.

viques · 16/12/2016 17:35

Couldn't you just have got a cheaper phone ?

golfbuggy · 16/12/2016 17:39

Go back and say that you realise some of the details have been incorrectly entered and that you didn't spot them first time round. Ask them to do a credit check again with new info.

You could get into a lot of trouble if this comes to light - the onus is on you to check that the information is correct, and the manager will claim he must have entered the wrong details by accident. Yes, it may never come to light - but do you want to take that chance?

StarryIllusion · 16/12/2016 17:57

It may have been as simple as a drop down box incorrectly selected. I know one of our systems has options like that for 5, 10 and 20 years continuous employment and it is very easy to click 5 years instead of 1 year or 1 instead of 6 months or even 6 months instead of unemployed. I would be inclined to give him the benefit of the doubt, go in and ask for him. Tell him directly that there is a mistake in your details and ask him to correct it. He will either be surprised or not and you can decide what to say from his response.

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