Daughter signed up for mobile contract she cant afford!

peachespeaches

Its easy enough to do, my son did it whilst at 6th form college, but he had a part time job waiting on at a local restaurant, so managed to pay for it, but learned the hard way when the bill came every month. I found that this sort of experience was more valuable than anything I could tell him. When he went to uni he continued to work part time and pay his own way. He is now an employed graduate, with a good job lives with his girlfriend in a nice flat and is extremely savvy about money. If you keep bailing her out, as others have said, she wont learn. Let her get on with it. Our relatives are still bailing out their 30 something daughter everytime her credit card gets out of hand. More fool them.

Lynsey

photome wrote: »

I fail to see how P4u are responsible, You dont , as I dont, know what she told the store to get the contract.

As I said earlier, it shouldn't have got past the credit check stage. Of course it shouldn't have been initially asked for, but IMHO it should have been declined.
My opinion is there is more than one at fault here, I fully appreciate others have different views. I'm on the side of the mother trying to get this resolved, not promoting further sufferance on the daughter for her part of this.

Lynsey

kutsu119

Credit checks dont take into account sources of income, just servicability of existing debt.

If she has no existing debt, how pray tell, would a credit check solve anything? The score required to successfully obtain a contract is relatively low, so this score could be raised, but do you want to live in a world where it is as hard to obtain a mobile phone contract for 12 months, as it is a 30 year mortgage?

There has to be a level of personal responsibility here; she may not have disclosed her lack of job (a job doesn't show up on scores anyway) or she may have indeed fabricated the level of income to obtain by deception, the item that she wanted. The fact that she willingly signed up to pay insurance worth a third of her entire monthly contract would suggest that she was willing to do anything to get what she wanted.

Phones4U have done everything as a responsible retailer.

shellsuit

She's 18.

She's an adult.

It's upto her to get out of the mess she has put herself in.

I wouldn't blame P4U, they sell contracts to adults, expecting them to be able to pay the bills.

Why has there always got to be blame on many many threads here, what happened to taking some RESPONSIBILITY?

photome

Lynsey wrote: »

As I said earlier, it shouldn't have got past the credit check stage. Of course it shouldn't have been initially asked for, but IMHO it should have been declined.
My opinion is there is more than one at fault here, I fully appreciate others have different views. I'm on the side of the mother trying to get this resolved, not promoting further sufferance on the daughter for her part of this.

Lynsey

As someone else said , how would a credit check have made any difference?

She went in the store asking for a contract knowing her income and knowing she couldnt afford what she was signing up for.

Do "we" not have to take any responsibilty for our actions?

jamespir

Lynsey wrote: »

As I said earlier, it shouldn't have got past the credit check stage. Of course it shouldn't have been initially asked for, but IMHO it should have been declined.
My opinion is there is more than one at fault here, I fully appreciate others have different views. I'm on the side of the mother trying to get this resolved, not promoting further sufferance on the daughter for her part of this.

Lynsey

why as far as p4u are concerend she she has a good credit rating so therfore they ahve done nowt wrong the silly 18 year old who obviously lied in order to get a contract is wrong

i appreciate the mothers worried and want's to blame anyone than her daughter but you both need to wake up and see the facts here

her daughter applied for credit no one forcerd her too nobody held a gun to her head

she must have known she was talking out a £35 pounds a month contract and agreed to go for it when she signed the form (yet again no one forced her too )

she knew she did not have the money to pay for it yet still went ahead


so whos in the wrong THE 18 YEAR OLD !!!

flossy_splodge

shellsuit wrote: »

She's 18.

She's an adult.NO SHE'S NOT!

It's upto her to get out of the mess she has put herself in.

I wouldn't blame P4U, they sell contracts to adults, expecting them to be able to pay the bills.

Why has there always got to be blame on many many threads here, what happened to taking some RESPONSIBILITY?

This is a huge part of the problem.
They are not adults at 18.
They are still getting there.
I'm not gonna waste time with the philosphy of it but we need to put the age of majority back to 21; it's as simple as that.
Of course we ALL have to take responsibility for our own actions but it was US, the existing adults who lowered the age of responsibility and it was after all just a cynical ploy by Government who thought a lot of the 18 - 21 year olds could swing the vote their way if 'sucked up' to.
I feel sorry for what 18 year old's have to cope with on the grounds "well they're adults". Poppycock.

POPPYOSCAR

My son 18 just tried to sign up with T mobile and they would not let him have a contract because he does not have a credit card(no credit history).Also some of the websites you cannot order from if you dont have a credit card.He eventually found one that would accept his debit card and he thinks it will be ok but he hasnt received the phone yet.Some 18 year olds are very naive when it comes to money even though they are adults.I have explained to my son that he must make sure he has enough money in his account to cover the bill. He is a student and has a part time job and if anything happens with his job he is going to get into trouble but I cannot control him and he has taken out the contract knowing this.

shellsuit

flossy_splodge wrote: »

This is a huge part of the problem.
They are not adults at 18.
They are still getting there.
I'm not gonna waste time with the philosphy of it but we need to put the age of majority back to 21; it's as simple as that.
Of course we ALL have to take responsibility for our own actions but it was US, the existing adults who lowered the age of responsibility and it was after all just a cynical ploy by Government who thought a lot of the 18 - 21 year olds could swing the vote their way if 'sucked up' to.
I feel sorry for what 18 year old's have to cope with on the grounds "well they're adults". Poppycock.

In this instance YES SHE IS (couldn't resist) classed as an adult as they don't give mobile phone contracts to minors.

She's certainly not a child is she?

She can be responsible and get a job to help fund her payments for the phone!

If one of mine had no income and signed up for a phone contract, i'd tell them they better find some work because I wouldn't be paying it and it's their responsibility!

legoman

When I signed up to BT, Npower, O2, Council Tax and TV Licence they didn't ask if I could afford them... They let me have them because I approached them knowing I could afford them. I approached them for the service. I work in a retail shop and I don't ask everyone if they can afford what they are looking to buy... They came to me, so I assume that they can afford the product, or should I start asking?