Daughter signed up for mobile contract she cant afford!

7891368

Crazy_Jamie wrote: »

Are you suggesting that her daughter wasn't irresponsible?

It was the salesmans fault;)

mandi

mobilejunkie wrote: »

Exactly. So let's add a test every time someone buys something to see if they are "mature" enough. That way we can make the whole system completely unworkable for everyone to protect the few poor things who haven't learnt how to be responsible. The ultimate nanny state!

Good idea , at the same time , just maybe the Massive companies who sell contracts , to people who cant afford them , coud stop paying their staff commission for selling them in the 1st pace

Nothing to do with maturity now BTW j

Crazy_Jamie

7891368 wrote: »

It was the salesmans fault;)

I thought it was fairly common ground that the daughter was irresponsible whether the salesman was or not.

Regardless of the blame or not that should fall upon the salesman, I would be quite frankly staggered if anyone seriously suggested that an eighteen year old girl should bear no responsibility for this situation. Which is why I was somewhat puzzled by mandi's implication that people need to be somehow 'qualified' to suggest that the OP's daughter was irresponsible.

JamesHP

7891368 wrote: »

I am 18, and if I took out a contract without being able to afford it, I would class myself as irresponsible.

Or just plain stupid/jaded by the lights and attractions of a shiny new phone.

But I've worked since I was 14, so it's not an issue and I pay my contract every month on time.
I strongly dislike being tarred with the same brush as OP's daughter as basically incapable and a baby, I would hate my Mum if she smothered me like you appear to, instead she taught me to be responsible and offered guidance when I needed it.

Absolutely this.

mobilejunkie

Mandi: "Good idea , at the same time , just maybe the Massive companies who sell contracts , to people who cant afford them , coud stop paying their staff commission for selling them in the 1st pace

Nothing to do with maturity now BTW"

Even better. Unemployment would soar as well and then we'd really be top of the pile instead of Greece. Those massive companies (by the way) are the source of most people's pensions and livelihoods. So protecting the poor young things will send OAP's to the poor house - BUT without those horrible "Massive" companies (evil devils!) there won't be any tax revenues either so I guess they'll have to starve. The main thing is to take away personal responsibility so no-one can actually make a decision which affects their own lives in a free society.

Durhamgill

7891368 wrote: »

Wonder if all you 'grown ups' would have got your mortgages and finance arranged cars

Probably not.............thats what caused the "credit crunch".........all the irresponsible adults getting credit they couldn't afford....And I dont want my Daughter going down the same path, even though we've taught her about money matters and not living beyond your means, she still went out and got this contract, knowing she couldn't afford it.

Well done for you for working since you were 14.......I'm not tarring all young people with the same brush.

Daughter will have to get a job to pay for her mistake, cos me and her Dad are not going to pay it.

Gill x

shellsuit

Thing is, I can afford a mobile contract, but I can't get one.

The OP's daughter can't afford one, but could get one.

It's all to do with the credit checks, and if they say the person is good for credit, then they will be able to take out a contract!

The only thing it has to do with age, is that a minor can't take one out, so you have to be 18 or over to get a contract.

If you're not a minor, then you're an adult, and adults are responsible for themselves (under normal circumstances)

So, if an adult goes into a store, passes a credit check and is given a mobile contract, but can't actually afford it, then who is in the wrong?

The store/company/salesperson has done the credit check and the credit check says Yes, so how can they possibly take any of the blame?

The person who can or can't afford it is signing to say they agree to the contract which is for X months and £X per month.

Only they know whether they can afford it or not, and if they can't afford it, well they have to accept that they are reposnsible for the repayments and sort something out so they can pay them.

And OP, if your daughter doesn't get herself sorted and make those repayments, it will damage her credit rating for the future.

mandi

mobilejunkie wrote: »

Mandi: "Good idea , at the same time , just maybe the Massive companies who sell contracts , to people who cant afford them , coud stop paying their staff commission for selling them in the 1st pace

Nothing to do with maturity now BTW"

Even better. Unemployment would soar as well and then we'd really be top of the pile instead of Greece. Those massive companies (by the way) are the source of most people's pensions and livelihoods. So protecting the poor young things will send OAP's to the poor house - BUT without those horrible "Massive" companies (evil devils!) there won't be any tax revenues either so I guess they'll have to starve. The main thing is to take away personal responsibility so no-one can actually make a decision which affects their own lives in a free society.

I give up

mobilejunkie

mandi wrote: »

I give up

So did the communists - after several decades of ruining the lives of the people they were SO concerned about...

scurr

You have my sympathy Gill - my son is clever but has absolutely no common sense - he did the same as your daughter and it was pretty disastrous but scraped through the experience without damage to credit rating. He actually LOST THE MOBILE IN QUESTION halfway through the 3rd month and had to continue to pay for the rest of the 18 month contract as the insurance wouldn't pay out since it was his own stupid fault.

Many 18 year olds are savvy and hard-working. My son wasn't - and at nearly 20, still isn't. Not due to bad parenting or lack of care - it's just the way he's made, which causes endless sleepless nights for me but ultimately he is - very slowly - learning the hard way.

To all the lucky parents of responsible young adults - please don't sit in judgment of others, I envy you, and no doubt so does the OP. Sometimes it doesn't matter how hard you try with your children, or how good an example you set - not all adults are fiscally capable so how can all 18 year olds be expected to be?