[TelstraClear] Declined Application

Forums › One NZ (including Farmside) › [TelstraClear] Declined Application

Tockly

353 posts

Ultimate Geek
+1 received by user: 88

#92086 26-Oct-2011 13:58

Sorry me having a whinge here...

I recently had a salesman from TCL knock on my door offering me a pretty good deal to move across to them, which I decided to do.

Today however in the mail I received a thanks but no thanks letter from them due to items listed against my name with Veda Advantage.

Before anyone says, oh well pay your bills, these items weren't mine, they were from a broken marriage, and I have been to court to try and have them removed without any success. So as a last resort I have paid out almost $15,000 to get these shown as paid, but the catch 22 is as I have paid them I have accepted liability for the debt.

So I rang TCL to ask if there was any process I could take to have a review of their decision. Basically the guy said, there is no review process, the only way you can have an account is the get the items removed off Veda. I offered credit references from my landlord and other places, where I have NEVER missed a payment and he didn't even want to know.

Basically I am asking for a review, which I can show that I am not a credit risk, and was basically, not in these words, tuff bugger off and talk to Veda... Not our problem!!

Pretty slack TCL.

Quinny

926 posts

Ultimate Geek
+1 received by user: 208

Trusted

#537732 26-Oct-2011 14:01

If you have an issue with TCL I would assume you are now going to have issues with any credit application. While it will involve more money a solicitor may be your only option. If the bills have been paid they should show as paid I would think.

Tockly

353 posts

Ultimate Geek
+1 received by user: 88

#537736 26-Oct-2011 14:03

Yeah they do show as paid but Veda will not remove them for 5 years!!

And I have tried going to court... No luck there...

xpd

Geek of Coastguard
14115 posts

Uber Geek
+1 received by user: 4574

Retired Mod

ID Verified

Trusted

Lifetime subscriber

#537740 26-Oct-2011 14:14

Ive been in similar situation where Ive ended up with the headache of having my name on some debts which were 50/50 until the relationship went sour.... Most places will still take you on but with a guarantor - if TCL dont allow this then its their loss, go give your money to someone else.

XPD / Gavin

LinkTree

Morph

190 posts

Master Geek
Inactive user

#537742 26-Oct-2011 14:20

Tockly: Sorry me having a whinge here...

I recently had a salesman from TCL knock on my door offering me a pretty good deal to move across to them, which I decided to do.

Today however in the mail I received a thanks but no thanks letter from them due to items listed against my name with Veda Advantage.

Before anyone says, oh well pay your bills, these items weren't mine, they were from a broken marriage, and I have been to court to try and have them removed without any success. So as a last resort I have paid out almost $15,000 to get these shown as paid, but the catch 22 is as I have paid them I have accepted liability for the debt.

So I rang TCL to ask if there was any process I could take to have a review of their decision. Basically the guy said, there is no review process, the only way you can have an account is the get the items removed off Veda. I offered credit references from my landlord and other places, where I have NEVER missed a payment and he didn't even want to know.

Basically I am asking for a review, which I can show that I am not a credit risk, and was basically, not in these words, tuff bugger off and talk to Veda... Not our problem!!

Pretty slack TCL.

Who did you speak in at TCL ( Eg : what Dept) and are the debts current or completly paid , ( The reason why i ask this is because you may have paid of that huge chunk but something else -May- Be on there)

When you get Declined there is always a Veda Ref number which you can use to call them directly if there is any other debts there.

Tockly

353 posts

Ultimate Geek
+1 received by user: 88

#537745 26-Oct-2011 14:23

I spoke to their Credit Services Department...

And I have recently, last week obtained a copy of "MyCreditFile" from Veda and ALL items are listed as being paid in full.

mattwnz

20515 posts

Uber Geek
+1 received by user: 4794

#537769 26-Oct-2011 15:00

Tockly: Sorry me having a whinge here...

I recently had a salesman from TCL knock on my door offering me a pretty good deal to move across to them, which I decided to do.

Today however in the mail I received a thanks but no thanks letter from them due to items listed against my name with Veda Advantage.

Before anyone says, oh well pay your bills, these items weren't mine, they were from a broken marriage, and I have been to court to try and have them removed without any success. So as a last resort I have paid out almost $15,000 to get these shown as paid, but the catch 22 is as I have paid them I have accepted liability for the debt.

So I rang TCL to ask if there was any process I could take to have a review of their decision. Basically the guy said, there is no review process, the only way you can have an account is the get the items removed off Veda. I offered credit references from my landlord and other places, where I have NEVER missed a payment and he didn't even want to know.

Basically I am asking for a review, which I can show that I am not a credit risk, and was basically, not in these words, tuff bugger off and talk to Veda... Not our problem!!

Pretty slack TCL.

Surely they should have checked it all out before they made the offer to you. There is mobile internet, so I would think they could have done a credit check on the spot.

Geekzone support

Support Geekzone with one-off or recurring donations Donate via PressPatron.

TelstraClear

566 posts

Ultimate Geek
+1 received by user: 2

Trusted

TelstraClear

#537856 26-Oct-2011 17:20

Hi Tockly,

Please email me your name and contact details. One on the credit team will have another look at this for you. Can't promise anything, but we'll review this for you.

Cheers, Gary

Tockly

353 posts

Ultimate Geek
+1 received by user: 88

#537872 26-Oct-2011 17:58

Thanks Gary,

Details sent...

mudguard

2327 posts

Uber Geek
+1 received by user: 1250

#537884 26-Oct-2011 18:15

For anyone who is curious, if there is a default or collection loaded on your credit check can be rather awkward to remove. Even if they are PAID most credit applications will get declined if they are over a certain amount. They drop off your credit check five years after the LOAD date, and drop off regardless if they are paid or not.

So depending on your need for credit (credit card, broadband, HP's, Visa Debit card etc) you may be better off financially to just leave them. Just go to Harvey Norman once a year to apply for a purchase to keep you on the system (if there are no credit checks in the last five years you may as well be 18 as far as those extending the credit are concerned).

Of course this depends on whether someone is actually pursuing you for the money, but by and large it costs more to collect the debt than to list it on baycorp (veda) and write it off.

Tockly

353 posts

Ultimate Geek
+1 received by user: 88

#538789 28-Oct-2011 16:43

Big thanks to Gary from TCL for looking into this and getting something sorted.

I am now looking forward to having my shiny new TCL cable modem installed...

C

TelstraClear

566 posts

Ultimate Geek
+1 received by user: 2

Trusted

TelstraClear

#538798 28-Oct-2011 16:57

Tockly: Big thanks to Gary from TCL for looking into this and getting something sorted.

I am now looking forward to having my shiny new TCL cable modem installed...

C

Glad it's all sorted - and happy to help get you into the wonderful world of cable.

Gary

New World

Shop on-line at New World now for your groceries (affiliate link).

nate

6473 posts

Uber Geek
+1 received by user: 458

Retired Mod

Trusted

Lifetime subscriber

#538802 28-Oct-2011 17:20

TelstraClear:
Tockly: Big thanks to Gary from TCL for looking into this and getting something sorted.

I am now looking forward to having my shiny new TCL cable modem installed...

C

Glad it's all sorted - and happy to help get you into the wonderful world of cable.

Gary

Legend.

DjShadow

4222 posts

Uber Geek
+1 received by user: 1322

ID Verified

Trusted

Subscriber

#538833 28-Oct-2011 18:27

Just my 2c in general, I do agree with the above where if you have something loaded against you on Veda...pretty much any place does not want to know you as they take a Black/White view of "oh dear you didn't pay a bill in the past, we're not going to risk lending to you"...even if it is paid off and/or happened several years ago.
If only places would look at your future more than a score veda calculates

DonGould

3892 posts

Uber Geek
+1 received by user: 164

#538902 28-Oct-2011 22:13

Great to hear you got it sorted.

This credit stuff is quite bonkers I agree. I've just spent part of the week trying to sort out a guy who had 'good credit' with a provider, but ended up running a big bill up when really he should never have been extended as much credit as he was and the systems really failed to see any problem with his account until it became quite unmanageable.

A decade ago I was not a fan of prepaid systems, but the more I deal with them, and the more time I spend sorting out credit messes, the more I am favouring them.

I confess it took me some time to get my head around one of my providers 'auto billing features' and I just noticed yesterday that another one of my providers has just introduced automated credit card re-billing on their service as well. I quite like that because I can use a debit card and control my 'credit limit' myself.

I'll be the first to agree it's a complex business problem for providers. You have a sales team who want to use credit to leverage sales, but you have a credit department at the other end who just end up giving back massive credits for services that the sales departments never should have signed up... it all ends up being counter productive.

I am pleased to see some human approach being applied and some happy outcomes on this one! :)

Promote New Zealand - Get yourself a .kiwi.nz domain name!!!

Check out mine - i.am.a.can.do.kiwi.nz - don@i.am.a.can.do.kiwi.nz