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Getting a contract in mothers name, effect her remortgaging?

2

Comments

  • McKneff
    McKneff Posts: 38,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    huddsta wrote: »
    Why must you try and shoot him down? If you don't have anything constructive to say then why even bother posting?
    My Mother took out a contract for me when I was 16, I wanted a nice new phone that would have cost a fortune on PAYG. I'm now 22 and have no debt bar my mortgage.

    good for you - you are extremely lucky or should i say sensible. I thought i did have something constructive to say. Just because i didnt say what the OP expected me to say doesnt meant to say its wrong, just a different perspective
    i am not trying to shoot him down, i am respoonding to his postings.
    I'm trying to get him to understand about responsibilites and waiting till
    he can afford or is old enough ot get what he wants. i have no animosity, i wish someone had tried
    to guide my 16 year old grandson like i am trying to do. Sorry, maybe my judgement has been clouded by my own lifes experiences.

    but to get back to basic i echo loaner's post
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • McKneff
    McKneff Posts: 38,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    robin91 wrote: »
    I'm simply trying to find out if it's possible, and if it is my mum is happy to do it. I'd gladly show her this thread! Anyway, I'm not here to argue with a sad lonely eldery woman, wouldn't want you to put to much stress on yourself. ;)

    Thanks huddsta! Someone speaking sense! :D

    :rotfl: :rotfl: :rotfl:
    endorsing my opinion on your immaturity
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • huddsta
    huddsta Posts: 715 Forumite
    I do feel a bit of a git for my quick reply now, I do appologise.
    If you've got £300+ spare then 10% of that will get you a decent package. As for the mortgage, I can't imagine that something as basic as a phone contract would cause a problem.
    Bet match total as of 04/10 = God Knows + About £1000 Quidco. Time for Mrs Huddsta to have a crack!!!

    The Bronze Challenge - earn £250 in profits =£73.32
  • robin91
    robin91 Posts: 12 Forumite
    good for you - you are extremely lucky or should i say sensible. I thought i did have something constructive to say. Just because i didnt say what the OP expected me to say doesnt meant to say its wrong, just a different perspective
    i am not trying to shoot him down, i am respoonding to his postings.
    I'm trying to get him to understand about responsibilites and waiting till
    he can afford what he wants. i have no animosity, i wish someone had tried
    to guide my 16 year old grandson like i am trying to do. But its none of my business. Sorry, maybe my judgement has been clouded by my own lifes experiences.

    I asked a genuine question and all I want is genuine replies. I didn't ask for opinions on the situation, nor did I request lessons in responsibility. I work part time, whilst attending school, that shows responsibility. As a result of doing so, I have over £300 DISPOSABLE income each month, so I can easily afford to pay the cost of the contract itself.. If you'd of read my first post you'd know that.

    Thanks again Huddsta. Possibly anyone who works in O2/CPWH who could also shine some light on the situation?
  • diamonds
    diamonds Posts: 6,048 Forumite
    Debt-free and Proud!
    stop relying on your mother, her financial matters have absolutely nothing to do with you. Its also not on that you are going out of your way to prove her wrong. She doesnt want to do it full stop, accept that and take responsibilty for yourself and buy a payg until youre 18
    erm contract is the cheapest option for anyone spend £15 a month......
    SO... now England its the Scots turn to say dont leave the UK, stay in Europe with us in the UK, dont let the tories fool you like they did us with empty lies... You will be leaving the UK aswell as Europe ;)
  • diamonds
    diamonds Posts: 6,048 Forumite
    Debt-free and Proud!
    if your mother has a great credit score it wont affect her rates, unless she has alot of other credit agreements with large almost maxxed out limits, more so unsecured debt
    SO... now England its the Scots turn to say dont leave the UK, stay in Europe with us in the UK, dont let the tories fool you like they did us with empty lies... You will be leaving the UK aswell as Europe ;)
  • A search will be recorded.

    Some of the many threads on the dangers of taking out a contract for children

    http://forums.moneysavingexpert.com/showthread.html?t=587313

    http://forums.moneysavingexpert.com/showthread.html?p=15685387


  • McKneff
    McKneff Posts: 38,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    i'm bored now, i'm orf to the ball seeing as it is nearly midnight and i need some new shoes before i get there.

    hope you are learning English at School
    it seems to be the in thing to say things like
    if you'd of read:eek: and it should be

    if you had read

    or been instead of being -
    just a little pet hate of mine, same as scraping the toast knife back in the butter, but i digress

    anyway, sweetheart, no matter, life is short, i wish you well in your endeavours. (no ulterior motive,) i really do wish you well. We had a spat,
    we'll both move on. good luck.;)
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • ivinsp
    ivinsp Posts: 274 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    if you have £300+ coming in every month without any outgoings then maybe one option to look at is to buy a sim free phone?
  • I also have a pet hate; people who can't be bothered to use capitals at the start of a sentence - especially when they make a point of attacking someone else's use of the English language. It seems to me the OP has an excuse (still being at school) if they needed one (which in this case they don't); what's the excuse for the criticiser - laziness is the only one which springs to mind. That also fits with their boredom threshold.

    With regard to the original question I refrained from answering at the time. However, searches generally leave "footprints", different organisations use their own unique scoring systems and sometimes these bear little relation to logic or what people expect them to assess. In my limited view on this, I can therefore understand your mother's reluctance. She cannot be expected to risk something much larger and more important for the sake of a much lesser matter, even though (again in my limited view) the risk in this instance would actually be quite low.
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