I spoke to Klarna, the first time she just said try again in two weeks, Second time they put me through to the Samsung crisis team lol He blamed Call Credit. ( TransUnion) credit agency and to contact them as to why Klarna declined me. - what tickles me is that I now have a pending direct debit in my bank account even though declined twice......   If you call transunion they tell you to goto the CALL CREDIT website.... which no longer works..... all seems rather dodgy to me.. ... View more