Daughter signed up for mobile contract she cant afford!

mobilejunkie

I'm always amazed when people think the nanny state should protect us all from ourselves. All that does is make it very difficult to conduct normal day to day business without masses of red tape and interfering questions.

If I borrow more than I can afford to pay back that is my responsibility; I have been fully aware of that from well before I reached 18. I also work in an industry that sells credit; and I am the top salesman in the organisation on finance. No-one is forced to use it and I try to ensure they FULLY understand it. After that it's up to them - not me, not the government or anyone else.

It is the network or bank's (in my case) RISK of losing the money to people who default and that money is owned by their shareholders or - in some cases - the government. When the government began interfering with credit cards it made the whole system MUCH worse. Instead of bringing clarity it completely muddied the waters and handed financial institutions the mechanisms for ripping their customers off to a far greater extent than before. They are in the process of "achieving" the same with bank charges.

You cannot legislate as some sort of substitute for personal responsibility - and in this day and age personal responsibility should start well before the age of 18 - not afterwards - to coincide with the many serious privilages people can enjoy at that age.

Lokolo

mandi wrote: »

Durhamgill

I 100% agree with you OP . Mobile phone companies & Fitness clubs , just dish out contracts without checking that the applicant has an income to pay .

Applications forms would I would assume ask for details of income , and if they dont then something is very wrong .

The sales persons are on commision and really dont care how the contract is payed

But that could go further, why not also ask about job security, life insurance etc. etc. etc.

7891368

mandi wrote: »

Durhamgill

I 100% agree with you OP . Mobile phone companies & Fitness clubs , just dish out contracts without checking that the applicant has an income to pay .

Applications forms would I would assume ask for details of income , and if they dont then something is very wrong .

The sales persons are on commision and really dont care how the contract is payed

Why is it the sales persons business? Would you like to show an absolute stranger the same information which your bank sees?

Durhamgill

mandi wrote: »

Durhamgill

I 100% agree with you OP . Mobile phone companies & Fitness clubs , just dish out contracts without checking that the applicant has an income to pay .

Applications forms would I would assume ask for details of income , and if they dont then something is very wrong .

The sales persons are on commision and really dont care how the contract is payed

Thats exactly it Mandi!.............all the salesperson is cared about is the commision they will get, and reaching their target sales!
They couldn't give a s**t if the appliant cant pay!

custardy

Lokolo wrote: »

But that could go further, why not also ask about job security, life insurance etc. etc. etc.

dont forget turning out your pockets to see how much money you have on you

7891368

Durhamgill wrote: »

Thats exactly it Mandi!.............all the salesperson is cared about is the commision they will get, and reaching their target sales!
They couldn't give a s**t if the appliant cant pay!

Why should they? A Doctor doesn't refuse treatment to an accident prone kid if he's only going to break his arm again?

The sales person would have done the necessary checks which were satsified.
Unless someone agrees with you, you don't pay any attention.

custardy

Durhamgill wrote: »

Thats exactly it Mandi!.............all the salesperson is cared about is the commision they will get, and reaching their target sales!
They couldn't give a s**t if the appliant cant pay!

because they are employed to sell phones (well contracts)
they have access to a computer system that does the required checks
with a green light they sell the phone
if your daughter gets a job in a sales position to pay for her phone
will you be checking all transaction for moral fortitude?

Durhamgill

Got so many ulcers, with biting my tongue so much!

7891368

custardy wrote: »

dont forget turning out your pockets to see how much money you have on you

I would get refused every time, I never have more than about £2 on me:rotfl:

custardy

Durhamgill wrote: »

Got so many ulcers, with biting my tongue so much!

feel free to vent,just try and remember that we havent credit checked you so cant be sure whether to trust you