[Snap] Ridiculous reason (poor credit history) for new account rejection

Forums › 2degrees (including Slingshot, Orcon, Flip, Stuff Fibre, MyRepublic, 2talk and Vocus) › [Snap] Ridiculous reason (poor credit history) for new account rejection

tantesusi

14 posts

Geek
+1 received by user: 2

#171315 13-Apr-2015 18:00

Guys, I think I should brought this up

Feeling gutted with SNAP. I opened a new account last week (24 months contract) in hope to get SNAP service. They taken my money $170 instantly.

But guess what a few days later got email saying "Snap unable to provide service due to poor credit history and the refund will be processed in the Friday of last month". Don't know how and what their criteria for the credit history although I have thousands in the bank acct. and snap did not request any further evidence to support my credit or whatsoever. Snap solely decided to cancel my account

BUT what really pissed me is the refund process.. YOU TAKE MY MONEY STRAIGHT AFTER REGISTRATION BUT REFUND WILL BE FEW WEEKS (I HAVE TO WAIT TILL LAST FRIDAY OF MONTH)..That is really ridiculous excuse. Me only one customer but if you take 200 new account that is $34000.. you can get interest by holding people's money. WELL DONE SNAP...KEEP CONTINUE YOUR BUSINESS THAT WAY..

For anyone beware of that, if you at the end can't get connection don't expect your money back instant like how they take your money first time.

can't believe they refused a customer who will go with 24 mths contract

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dejadeadnz

2394 posts

Uber Geek
+1 received by user: 2287
Inactive user

#1282478 13-Apr-2015 20:08

I work in a reasonably senior management role for a retail bank. I can tell you that I and many, many of my counterparts in this and competitor banks will withdraw hiring offers upon a consented-for credit check turning up even small (but undisclosed) defaults, even for roles where people have no access to clients' money. People like the OP might think this is stupid or counter-intuitive but it's often the so called small "irrelevant" defaults that bother employers and other people you care to impress the most. I can much more readily accept that someone might have done their best but just screwed up in business and couldn't pay back $150K in personal guarantees or if they foolishly guaranteed their husband's "guaranteed win" business venture as an unsophisticated housewife and went bankrupt.

I find it hard to take seriously people who refuse to remedy small defaults or allow things like mobile bills to be run up to a point where they get listed as being in default, in light of my experience working as a volunteer in community organisations helping people to negotiate payment plans etc with phone companies and utility companies. Most are actually very receptive if you would just talk to them early and honestly. Sorry to say it OP, if someone told you that you had poor credit history, I'd ask for the your credit reports with all the agencies and fix up your credit file right away instead of calling Snap stupid.

OTOH, I have nothing but contempt for Snap's refusal/inability to refund you right away. That's just not on.

tantesusi

14 posts

Geek
+1 received by user: 2

#1286405 17-Apr-2015 16:00

Just a bit of update and give appreciation to snap

Early this week the support team suddenly rang me and explain the misunderstanding between the teams. Long story short my credit history was actually fine and now they will proceed getting my house connected.

But unfortunately turned out next available date for the installer in this case Chorus is early May. What a pity (not snap faults tough)

Thank you snap