Not being able to pay contract on mobile.

Shell_S

Hi Im with Vodafone and with being off work sick and only getting ssp I can not pay my D.D. for my contract I took out last year. Any ideas what I can do?

Also I presume this will affect my credit rating is this right?

5867dude

Sell the phone on eBay, use that money to pay off the remaining contract.

DarkConvict

Ring vodafone, or maybe better yet email the web team they are far better at sorting out issues than anyone else at vodafone in my experience.
If you tell them they might be able to put the contract on hold for a short time, however you are right if payments are missed without an agreements then after 3 missed payments they will default on you and place a default that lasts for 6 years on your report.

I take it you have no emergency fund of savings?

Vodafone_company_representative wrote: »

Hi

If there is anything at all that I can help you with please feel free to get in touch by sending me and email from here with a link to your thread and WRT135 in the subject line so it routes straight to my team and I'll do all I can to help.

All the best

Kirsty
Web Relations Team
Vodafone UK

Annie._2

5867dude wrote: »

Sell the phone on eBay, use that money to pay off the remaining contract.

If the account is overdue by a few months, Vodafone would most likely place an IMEI bar on the phone if it is used with an alternative SIM card.

5867dude

Ann_S wrote: »

If the account is overdue by a few months, Vodafone would most likely place an IMEI bar on the phone if it is used with an alternative SIM card.

Well if he has paid up till this point the account won't be overdue? Then with the money from selling the phone put that to one side and use it to pay for your contract.

Shell_S

I wouldnt get anything for it on ebay as its not even working fully. it turns itself off, its really slow and the camera doesnt work. Ive emailed Vodafone but Im not sure what theyll be able to do.

I have no savings or emergency funds either and dont really want to ask anyone to help me out with it as Ive already borrowed from family with being off work ill.

karatedragon

You think that things like this would come with some kind of in built insurance in the monthly price in case of sickness or redundancy.

BLT_2

karatedragon wrote: »

You think that things like this would come with some kind of in built insurance in the monthly price in case of sickness or redundancy.

It does if you pay for it

karatedragon

and so? my taxes pay for unemployment benefit. I wouldnt mind if my mobile contract price included an insurance so that if someone else with the provider was sick or out of work their bill would be covered. and if i was in the same position i could use it

OneADay

karatedragon wrote: »

You think that things like this would come with some kind of in built insurance in the monthly price in case of sickness or redundancy.

You can always take out payment protection insurance :eek:.

Guys_Dad

Shell_S wrote: »

I wouldnt get anything for it on ebay as its not even working fully. it turns itself off, its really slow and the camera doesnt work. Ive emailed Vodafone but Im not sure what theyll be able to do.

I have no savings or emergency funds either and dont really want to ask anyone to help me out with it as Ive already borrowed from family with being off work ill.

I have every sympathy with your predicament and wish you good fortune in finding yourself another job soon.

This is precisely why I advise people to get sim-only 30-day rolling contracts. What is a shiny new gizmo when you get it and are flush with case becomes an anchor round your neck when times are hard.

This is where you are:- If Vodafone are not prepared to make any leeway - and I would be surprised if they are prepared to write off the debt which is what you seem to require, then your credit record will be hit. No question.

That may not be important today - and you would obviously be mad to try to extend your credit in your present circumstances. If you have other debts that will also come in and hit your credit rating, then one more with Voda isn't going to make any difference, but if this is the only one, then do whatever you can to keep paying.

Maybe the Voda rep will come in on this one.