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joella68
Junior Member
United Kingdom
280 Posts |
 Posted - 26 November 2008 : 09:03:19
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morning all,
only just thought about this but both hubby and i have contract mobiles we have both continued to use them as normal but have cancelled all payments on them ( i guess this must be fraud ) nd will they actually take the phones away ?
thanks, jo. |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 26 November 2008 : 09:12:31
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Hey Jo
We had contracts with O2 and stopped paying them about a month before we went BR as they told us they would, once they knew we had gone BR close the accounts, we then went over to paygo.
If your still using them then i dont really think you will be done for fraud, but until you go BR the account will go into arrears and then get switched off. I would go over to paygo and not use them anymore if you can.
They wont take the phones back, the whole contract amount should be written on your SoA so if say you have an 18mth contract at 20 pm but have 12 months left then you must write 12 x 20 = 240 left on the contract.
Hope that helps
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
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joella68
Junior Member
United Kingdom
280 Posts |
Posted - 26 November 2008 : 09:17:13
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thanks jo,
the only problem is my hubby only took his within the last month and genuinely we still thought we were just about coping a month ago and woke up to reality in the last few weeks ! mine is 9 months in though, so will his get taken ?
jo |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 26 November 2008 : 09:30:50
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I doubt if they would take the actual phone, the OR may not like the fact that you had a contract and have not paid it that is not a good thing to do.
We do try and get people to pay a minimum 3 payments on things before going BR as this could be seen as a big NO NO by the OR and they wont take to kindly to it.
Have you made any payments to his at all since you had it.
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
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joella68
Junior Member
United Kingdom
280 Posts |
Posted - 26 November 2008 : 09:34:56
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oooops, nope ite due to b paid in a week or so, i think we will take it back to the store today and see what happens, dont wont to pay them only as this will be seen as favortism yes ?
jo
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 26 November 2008 : 11:37:35
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Yes and no really Jo.
I doubt if the store will take it back, but anything is worth a try.
If you have not made any payments to it then the OR will def not be impressed with you.
You could contact your supplier and explain that you now cant afford to keep it and what would they suggest doing as the contract is so new that it may mean that the OR would impose a BRU on you and depending on how they feel it may be about 3 years or so.
It can be looked upon as taking with no intent of paying, if you see what i mean.
Let us know what happens with it.
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
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joella68
Junior Member
United Kingdom
280 Posts |
Posted - 26 November 2008 : 14:25:05
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ok phoned orange and they will not take it back as its outside off the 14 day cooling off period, so have both just been into town and got pay as you go sims, so have stopped using the mobiles now, this is one that we have to just face the music with, his only defense is that he has been on contract with orange for ever and this was an upgrade that carried a new contract, so hope that it helps the situation..............fingers crossed
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 26 November 2008 : 15:00:28
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Hey if its only an upgrade and not a new account then the OR may not be quite so harsh.
I thought you had started new phone contracts and not renewed them.
Anyhow let me know if i can help anymore
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
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Cakietin
Junior Member
United Kingdom
278 Posts |
Posted - 26 November 2008 : 16:59:49
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Hi all
I have a question about mobiles seeings as we are talking about them. My hubby and I both have virgin contracts for £10 a month. We are up to date with payments and would probably spend more than £10 a month on pay as you go. Does anyone think we would be alright to keep them?
Cheers.
Amanda |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 26 November 2008 : 17:25:36
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Hi Amanda
That would be down to 2 factors.
1/ The OR and if you have a home phone then the OR may or may not allow in your I&E but if you had money left from your DI you could pay this anyhow.
2/ The company themselves, you would need to find out what there procedure is with regards to BR's after you have been declared as my O2 one was closed and cancelled by O2 once they knew, but saying that Virgin may not worry and let you keep it.
LOL
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 26 November 2008 : 19:26:01
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Cakietin
Is this with a 12 or 18 month contract or is it one of the offers you get on a month to month basis with them, and if so have you already passed the initial time with them.....I used to have virgin 4 for £40 offer (tv, phone, broadband & mobile sim), and not sure if this is different to a 'normal' phone contract.
It may be worth an anonymous call to them
Jenny
Onwards and Upwards is the way im going :-0)
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Trolly-Dolly
Average Member
591 Posts |
Posted - 26 November 2008 : 21:25:18
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Hi,
3 mths into my BRy and I have just continued to use my mobile as normal (contract) and pay them every month as promised. Never told them I am BR either. Is this wrong? Still not had interview with OR so none the wiser really!
You can read my blog here;
http://drowningmummy.blogs.iva.co.uk/ |
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Nicola.j
Junior Member
United Kingdom
267 Posts |
Posted - 27 November 2008 : 12:57:06
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Hi TD
It depends how much you spend with them.I have only just agreed my I & E due to moving and I was spending £35.00 a month with Vodafone and I didnt think they would allow that and a home phone.When I told vodafone they cancelled my contract straight away even though I know some people have been allowed to keep.However Teso mobile are doing top up £15.00 and you get £30.00 of credit free.Top up £20.00 and you get £40.00 credit free so I am going to switch.
Nicki
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Jane.l
Average Member
511 Posts |
Posted - 27 November 2008 : 13:01:10
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| we never told Vodafone we were bankrupt either and the contract has just carried on as usual, the OR never said anything about it |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 27 November 2008 : 15:44:10
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I didn't declare my mobile contract on the forms when I went BR, and when I mentioned it to the OR she wasn't interested. We've got a home phone, but it's not in my name so I put my mobile down as phone expenses.
I've still got my Vodafone contract and I've carried on paying as normal, and I've had an upgrade without any problems.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/ |
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joella68
Junior Member
United Kingdom
280 Posts |
Posted - 27 November 2008 : 15:54:21
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so re my hubby and his contract do you think he should just continue with it then, andnstart making payments ??
just to refresh he has had a contract with orange for ages and this was an upgrade, but it DID carry a whole new contract with it, so expensive new phone hence a new contract i guess, we tried to give it back but they wont take it and it was only 3 weeks ago, nothing has been paid on it yet as tere has not been a bill yet, really stuck on what to do ??? |
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is this fraud ???
