I am now Mr Sworld, but obviously before I (we) bought this house I didnt actually exist in England, my last address before this one was Isle of Man, which is outside UK jurisdiction as far as credit etc is concerned.Just out of interest Steps are you on the electorial register at the house? The reason being is that is the first thing credit companies look at to see if you actually live at the address you are applying for credit from.
I actually had people question my existence at all, woulda been better claiming asylum probably,,,
so I suppose maybe it was a bit of a catch 22 situation when I first moved, weird how they will lend out a good few grand mortgage, but run away when you ask for a 2dozen quid mobile phone, X( :_| :^O