New mobile phone contract with DMP?

andy40

HI,
Im on a DMP (and so my credit rating is rubbish) and my mobile phone contract is now up.
Does anyone know if I have a chance getting another contract?
Or possibly getting a new contract with my current provider?

Some of the cash back deals looks quite good.

Many thanks,

Andy

Littlegreelady

I was on an 18 month contract with 02 which came up for renewal in March of this year, at the same time as my DMP came into force. Luckily my mobile bill was one of the monthly outgoings I had pretty much managed to pay. I chose to stay with them and actually managed to negotiate my contract going from £35 per month, free texts and minutes to £25 with the same texts and free minutes as well as unlimited internet use and a new phone! I think because I already had a contract and was renewing, I didn't need a credit check as I doubt I would have got it.

If you are happy staying with your current provider, then you should be fine, although see if you can reduce your monthly bill anyway. If not, you could look at deals like 02 simplicity or T mobile where you don't have a contract as such, just pay a set amount a month and get a certain amount of free texts and minutes. I think most providers offer those deals now, although obviously you don't get the free phone with them.


I should add I don't know anyone that works for 02 and am not trying to promote them, just have always had good service from them.

WASHER

I would say don't get another contract, sim deals are excellent just now, my husband has the o2 simplicity for £14.69 per month, he gets 600 txts and 300 mins, I have added a link, check out other mobile phone providers too.
http://shop.o2.co.uk/sim-only-simplicity

P.s. I don't work for o2, I like their service hence the reason I recommend them - nothing wrong in that (I hope)

sarahb7538

I highly recommend the O2 simplicity contract as well... i have the £9.50 tariff and i never go over. I think I get 300 mins and 200 text something like that . Plus you can log in and check your balance at anytime should you think you might be going over :0

Again i dont work for them i just think the tariff is a really good option, much better than paying £35 a month !!!

WASHER

Sarah, you also send a blank txt to 21202 and it tells you how many mins and txts you have left.

gfplux

Hello andy40,
I do not want to be harsh but...........

Your question seem to suggest that you have not learnt any lessons about debt.

Just to state the obvious - Debt normally comes by spending MORE than you EARN. That is you are living a lifestyle you can not afford. We all know that, but sometimes we can not see the wood for the trees. If you want to get out of debt you have to change that habit today.

Until you have finished your DMP don't you think you should have a pay as you go or at maximum a sim card deal.




Good Luck

andy40

gfplux wrote: »

Hello andy40,
I do not want to be harsh but...........

Your question seem to suggest that you have not learnt any lessons about debt.

Just to state the obvious - Debt normally comes by spending MORE than you EARN. That is you are living a lifestyle you can not afford. We all know that, but sometimes we can not see the wood for the trees. If you want to get out of debt you have to change that habit today.

Until you have finished your DMP don't you think you should have a pay as you go or at maximum a sim card deal.




Good Luck

Thank you for your input gfplux but I think youe statement is sweeping and judgemental.
A contract can be a better deal than PAYG, I am looking at all my options.

snowymalone

I think it all depends on the individual, to be honest - in some cases PAYG works out a lot cheaper, especially if you use your mobile infrequently or in very short bursts. My missus makes £10 worth of credit last two or three months on average.

gfplux does have a point, as there are plenty of people with big monthly outlay contracts that never, ever use all of their allowance: these people make the mobile companies a lot of money. Better in your pocket than theirs.

BTW I'm with Virgin, a tenner a month contract (which was roughly what I was paying on PAYG, or just below) with 200 minutes and 200 texts - however as I was already a Virgin mobile PAYG and cable customer I didn't have to undergo a credit check.

massivedebts

Hi
We're on a DMP and have just taken out a new contract with a different provider and had no probs!!
MD xx

gilligansyle

PAYG versus contract is a personal issue depending on how much you need to use the phone. I have a contract phone with Orange, if I went to PAYG the cost would be more, but its different for everyone.
On the issue of lousy credit score and getting into further debt, it may well be that by switching provider you save money, especially if you are on an expensive contract and can get cashback. On the issue of credit checks my credit score is shot to pieces but I managed to get a deal from 3 mobile for mobile broadband for my son.

The only issue would be that on a DMP you agree not to take out further credit.

DawnW

I don't have debt now (paid it all off some years back). However, I only ever use payg / sim only deals for mobiles these days. I had a contract once but it was expensive and I was always worried about the phone being stolen and being liable for thousands of pounds worth of calls to god knows where - I had to travel to a really dodgy area for work at the time. If someone stole my payg, it would only be an old handset and £20 of credit max.

It depends on how important always having new upgrades etc is to you I suppose I work with teccie stuff, and it doesn't bother me.