ive got a mortgage I got when I was 18 I then got a mobile at around 22-23, I then lost it and got a big bill I told them I wouldn't pay it so I owed just over a hundred quid . I then went to get an iphone last year and was declined blackmarks on credit apparently from that phone . I have recently applied and got basicly my own mortgage for 70,000 so I re applied for my I phone and got it, so in basicly 4 months ago I cant have any thing even though I have a mortgage and havnt missed a payment to giving me 70 ,000 and a phone