But o2 check credit by your name and address - or rather they give your name and address to equifax who promptly return some useless information equating me to a liar and thief and somebody not to trust to pay a twenty pound bill every month!
Of course o2 claim that its equifax who are to blame for my not getting a contract - so I check the equifax website. They helpfully provide lots of useful information and (for a charge and week long wait, and if they are in a good mood) will send me my credit record (which I can then make official changes to using big forms and waiting 28 days, etc, but of course only if their 'sources' agree that they are mistaken).
Equifax (or rather their website) inform me that o2 are obliged to tell me why they refused credit - in the shop o2 claimed it was equifax that told them not to and were unable to give any reasons, information, tell me my rights or what I could do, or who I could contact in o2. Eventually I was given equifax's address very unhelpful and if I mentioned that it was o2's fault the 'customer services' person got all uppity and ready to call security in case I raised my voice.
The email I received from o2 claimed that I was refused credit after they took into account my personal circumstances - this is an outright lie - I know their java website can barely cope with 2 accounts having the same email address let alone make clever decisions about credit on the fly - all their system does is throw some addresses at equifax's computer which returns some kind yes/no responses and then conclude that as I don't have a barclay card and store-cards coming out of my ears that I am bad credit. Of course o2 won't tell me this - they claim its based on their experience.
My experience and that of the salespeople in independant mobile resellers is that o2 is turning many people away despite them easily affording it because of a very poor credit check algorithm based on too few criteria - and certainly not based on personal circumstances because they don't get or request that information to make the decision.
So they are liars and fail to meet their obligations and they won't give me a 20 quid a month phone. And their JSP website breaks if you look at it funny. They also practice cold calls, (and then lie about contracts to minors).
Hopefully soon I find other who have had other problems and continue with my complaints to the appropriate authorities - oh did I mention that their is no complaints or customer service contacts with o2.