Last night, I placed an order for a new phone and contract through phones.co.uk on their Black Friday deals. All went well and checkout completed as expected. Monzo authorisation worked flawlessly, as usual.
But not 20 minutes later, my order was cancelled by phones.co.uk. There email’s first line read, “We’re unable to process your order, as it has failed to meet our internal credit and security criteria.”
The email went on to mention being a responsible retailer; and something about a 500 point security check. It finished with a ‘helpful’ note that stated they wouldn’t be providing a reason for the cancellation.
This was totally unexpected. I have never missed a payment, ever, and my credit score is relatively high (Their email even stated that they hadn’t carried out a credit check) The only thing that I could think was that I used Monzo for my direct debit and card payment validation and at present I have been with Monzo for just over 2 years.
My logic for believing the it to be linked to Monzo is that when you enter a, ‘length of time with bank’ timescale of over 3 years on the order form, years and months, changes to just years. This gives the impression of 3 years being the magic number.
I repeated the order using my legacy bank account, and at the time of writing this, my order has been accepted. All other details are the same (Delivery address, same order).
Is this just a glitch? Has this happened to you? Have you placed an order with phones.co.uk using Monzo and it worked? Has this happened to you on your legacy bank account?