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Phone restricted.

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I dropped my T-Mobile nokia down the toilet yesterday and funnily enough it has ceased working! My husband has a Nokia which was also T-mobile but it says phone restricted when I insert my sim.
I understand that phones are locked to protect the network but this is not a rival network it is the same.
Any advice would be appreciated.
Live on a little over £4k challenge
Sealed pot challenge no. 315

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