Can i get Phone Contract after being declared bankrupt ?

Darren2020

Hi guys i went bankrupt back in june and im now much more happier in myself and sorting my money out etc everything went well. I now live away from parents and was thinking of applying for a mobile phone contract so i can keep in touch with them on a regular basis but im wondering if i am allowed to do this whilst being bankrupt ? I dare not do it until i know if it is ok or against the law. thanks

fiveyearplan

There is nothing stopping you applying for a phone contract - being accepted is another thing altogether. I think there are some that will accept you for a monthly rolling contract but not sure who does these.

philnicandamy

Three UK or T-Mobile for starters.......o2 have been known to do the 30 day contract as well.....other than that it's PAYG i'm afarid if they turn you down

Darren2020

fiveyearplan wrote: »

There is nothing stopping you applying for a phone contract - being accepted is another thing altogether. I think there are some that will accept you for a monthly rolling contract but not sure who does these.

Thanks buddy i was just scared incase i was breaking the law or something. i will give it a try with 02 and see if i get accepted. Will mhy credit rating be exactly the same as when i had all the debt ?

fiveyearplan

Darren2020 wrote: »

Will mhy credit rating be exactly the same as when i had all the debt ?

No - it will be much worse!!!

philnicandamy

Yep.....bankruptcy is the hardest dent in your credit rating for 6yrs (not many will touch a bankrupt or indeed a discharged BR for 6yrs)

Darren2020

0k thanks guys i just wondered that is all im pleased u have helped me. thanks again

In_a_Mess_3

What if you already have a contract? Can you just keep paying it as if nothing has happened?

charliedavis

I've carried on with my Vodafone contract and even upgraded my broadband modem since BK date, so yes you can keep your contract.

nervousmother

same here, even upgraded it to a new internet phone :-)

Darren2020

Well i tried online on o2 website and got knocked back immediately lol so think i will just have to do without a phone contract i guess. thanks for the help