firespider
Member
- Joined
- Jul 1, 2011
- Messages
- 14
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Beginning of last month I signed up the the Telkom R599 Unlimited LTE package. I accepted the contract over the phone and was told that I would receive confirmation after 48 hours. After a week, I heard nothing so I contact Telkom over Twitter and I was told that my application had been declined because my "personal details did not match" (I was not told what they do not match with or what details exactly).
I was told to contact TransUnion who told me that everything was correct on their end. I contacted Telkom again every day for the next week, each time I was told to contact TransUnion and that there was nothing they could do. Eventually I was told that Telkom doesn't even use TransUnion and that I should have contacted Experian all this time. After contacting Experian I was told that all my details were correct and that they do not do any validation other than my name and ID number. The only discrepancy that Experian had in my details is that my physical and postal address were still my old address. Experian were adamant that they cannot change my address unless a credit provider provides them with new information but assured me that a credit provider cannot deny me credit on ground that my address has changed.
Is it possible that my bank account details still having my old physical and postal address associated with it could be a problem? I cannot determine this as Telkom is only telling me that my personal details do not match, not what personal details exactly do not match and what they are comparing them with.
I then tried to contact Telkom again over an e-mail address of one of the call centre managers and after 3 days I did still not received a reply. I then contacted Telkom through Facebook and after 2 days I didn't receive any feedback regarding this. As far as I understand it the National Credit Act says that a credit provider has to provide a valid reason for not providing credit and "personal details do not match" is not sufficient. Is my understanding correct?
I was told to contact TransUnion who told me that everything was correct on their end. I contacted Telkom again every day for the next week, each time I was told to contact TransUnion and that there was nothing they could do. Eventually I was told that Telkom doesn't even use TransUnion and that I should have contacted Experian all this time. After contacting Experian I was told that all my details were correct and that they do not do any validation other than my name and ID number. The only discrepancy that Experian had in my details is that my physical and postal address were still my old address. Experian were adamant that they cannot change my address unless a credit provider provides them with new information but assured me that a credit provider cannot deny me credit on ground that my address has changed.
Is it possible that my bank account details still having my old physical and postal address associated with it could be a problem? I cannot determine this as Telkom is only telling me that my personal details do not match, not what personal details exactly do not match and what they are comparing them with.
I then tried to contact Telkom again over an e-mail address of one of the call centre managers and after 3 days I did still not received a reply. I then contacted Telkom through Facebook and after 2 days I didn't receive any feedback regarding this. As far as I understand it the National Credit Act says that a credit provider has to provide a valid reason for not providing credit and "personal details do not match" is not sufficient. Is my understanding correct?