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SivEd
Starting Member
4 Posts |
 Posted - 09 April 2010 : 15:20:44
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Hi there,
I went BR last September, but didn't include my (or my wifes) mobile phones. They are under a single contract with Orange in my name.
So far there have been no problems, and I have kept up to date with my payments, paying on time every month.
It is now time for handset renewal and I obviouly am worried about upsetting the status quo if I ask for an upgrade. Will they credit check me and see that I am BR?
I think at the moment they are letting my contract run because they simply don't know that I am BR.
Can I ask them for a handset upgrade? They will probably want me to "upgrade" my contract - they always do! And that may involve a credit check.
It's crazy that I should have to worry about this as I been a good customer to them!
Cheers,
Pete |
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 09 April 2010 : 15:31:33
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Hi
I suspect that you are better off keeping your head down until you are discharged.
Depending upon how much your contract is for it may push you over the £500 credit limit ( The value of the total contract over 18 or 24 months ) which would be a criminal offence to obtain credit without advising them that you are currently br.
I would recommend waiting until discharge
Paul Johns
Bankruptcy Specialists
Reviva UK
www.revivauk.com
Real People ..... Real Debt Solutions |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 09 April 2010 : 15:35:58
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I upgraded my handset while I was BR (it was less than £500) and I didn't have any problems, although this was with Vodafone, not Orange.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
32 IPA payments made, 4 to go - the end is in sight! |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 09 April 2010 : 16:18:32
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Hi,
I suggest wait until you are discharged - who needs a fancy phone/handset anyway - I ahve kept mine as it is until May (discharged then)
It does not take much to go over the £500.00 inadvertently!
Good luck, Richard
"There are no problems - only solutions" |
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SivEd
Starting Member
4 Posts |
Posted - 09 April 2010 : 17:33:41
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Hi there,
Thanks for the advice! I'll keep my head down, I forgot about the £500 limit and I strongly suspect they'll be asking me for a minimum of £35 over 18 months, which is a total of £630.
I actualy quite like my handset at the moment anyway!
So what are the rules as I have had my contract (at 2x£25 per month currently) over the course of my bankruptcy. Is that not credit over the limit of £500?
Thinking about it, technically it won't be because I will stop my wifes after this month which I think gets me under the limit again, but if I had kept both contracts going?...
Pete |
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Richard P
Senior Member
United Kingdom
1701 Posts |
Posted - 09 April 2010 : 22:26:11
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Hi Sived
I think that answer will be when did you take out the phone contracts. you have stated in your first post I already had the phone contracts when i went BR.
when it is time for renew, upgrade or extend the current contract, then you will have to be mindfull of the rules
keep very Low profile
regards Richard |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 10 April 2010 : 15:57:49
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Whilst not BR, I am in an IVA and have a contract with O2. I have had no problems upgrading at all as they only check how you have been doing with your payments to them.
My contract is over 2 years now, and in 16 months time I shall be on the phone for another upgrade.
I like a new handset!
Buckle your seat belt Dorothy, 'cos Kansas is going bye bye.
Jan
xx |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 10 April 2010 : 17:13:09
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Same here Jan, I like to change my handset and then the old one goes on Ebay!
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
32 IPA payments made, 4 to go - the end is in sight! |
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Richard P
Senior Member
United Kingdom
1701 Posts |
Posted - 10 April 2010 : 18:13:16
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Hi Skippy and Jan
dont think that it is the upgrade that is the problem, I did obtain a nice new phone which my son has taken "too cool for dad to have" ! I am still using a phone that is about 6 years old
I think as Paul said it is the obtaining credit over £500, which could be the problem. I had to sign an court document stating (amongst others) i would not obtain credit and the District judge stated in court about my obligations !
speaking of the £500 credit limit, I received a promtional flyer from a company offering £499 loans especially available to undischarged bankrupts. three months payment free but interest from day 1 over 2400% (think PA not per month) let me think about this!!!!!!!!
Ill watch on ebay for your old phones next time.
Sived you may be entitled to a new phone without an upgrade if you have been a long time customer
regards Richard |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 10 April 2010 : 19:37:31
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I still have most of my old phones, and nobody would want them now!
I would still go for the upgrade everytime.
Buckle your seat belt Dorothy, 'cos Kansas is going bye bye.
Jan
xx |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 10 April 2010 : 21:38:59
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The other thing I've done with mine is to recycle them. There are are quite a lot of companies that do this so it's worth shopping around. The best one I've found at the moment is Simply Drop, which is part of the Royal Mail.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
32 IPA payments made, 4 to go - the end is in sight! |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 10 April 2010 : 21:55:19
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Daughter has used a couple of the ones advertised on TV and she got £35 for her last one.
Buckle your seat belt Dorothy, 'cos Kansas is going bye bye.
Jan
xx |
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SivEd
Starting Member
4 Posts |
Posted - 11 April 2010 : 10:10:28
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Thanks for all the comments. I recently reduced my contracts, wife left last year so I put her contract on minimum, mine I put on my "best price" tarriff which reduced both of them to £25 each. Prior to this they were on £35. The contracts were taken out before before BR, but the changing of the tarriff happened a couple of months ago during BR. All paid up to date.
So my plan was to cancel the wifes contract when it is finished and upgrade mine. Net result is a decrease in outgoings. But if the new contract is £35 a month I can't do it, so better to wait until September when I am (hopefully) discharged and just keep the status quo. If I could get a better handset on a £25 cantract that would be under the limit, but I don't think I would get a better handset on that sized contract these days. I was "persuaded" to get a £35 18 month contract last time so I could get the handset I have now!
When I am discharged will it be a case of checking my credit files before contacting Orange for the upgrade? If they credit check me will they automatically know I am discharged, or will I have to update/check something before I call them?
Cheers,
Pete |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 11 April 2010 : 10:26:39
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If you are already with Orange, they will most likely just check that you are up to date with your payments with them. They won't credit check.
The only time they will do that is if you try and change your company.
Whenever I have upgraded with O2, I have been automatically accepted and not asked any questions about my financial status.
Buckle your seat belt Dorothy, 'cos Kansas is going bye bye.
Jan
xx |
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SivEd
Starting Member
4 Posts |
Posted - 11 April 2010 : 11:51:33
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Ahhh, am I getting confused? New handset is not the same as new contract? But if they change my tarriff is that a new contract?
I assume if it is not a new contract but a variation of an existing one I could do it as the contract was taken out before BR? This is for clarification, I have already decided to wait, but someone else reading this thread would find that info useful.
Orange have a terrible data package and I would love to change, but that's not going to happen this year!
Cheers,
Pete |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 11 April 2010 : 12:37:05
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When I upgrade, I take out a brand new contract, which will come with a brand new handset and invariably it is usually a different tariff.
I don't know what happens if you just want to vary the one you have. Perhaps best to ask Orange about that.
Buckle your seat belt Dorothy, 'cos Kansas is going bye bye.
Jan
xx |
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Topic |
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Mobile Contract Renewal
