Daughter signed up for mobile contract she cant afford!

photome

Lynsey wrote: »

The shoe sale can be cancelled - the phone can't.
I think you nailed the problem - "they've had no time to build up a credit rating.", it's just given regardless.

Anyway, I hope it gets sorted with the network, even if just reduced and no issues are built up through this.

Bye for now.

Lynsey

How can the shoe sale be cancelled?

Shops do not have to refund unless goods are faulty

Lynsey

photome wrote: »

How can the shoe sale be cancelled?

Shops do not have to refund unless goods are faulty

Well, maybe you have had problems getting a refund for shoes, but I have NEVER. Agree, they don't have to unless faulty, but as stated I've never had a problem with shoes. Now if it was just as easy with mobiles.

Lynsey

7891368

The phone isn't faulty, if it was or you could get a replacement. If you couldn't get signal etc you can end the contract on said claim.

There's nothing wrong with the contract which she was sold.

loofer

As soon as I saw the thread title I could tell you were going to get a bashing on here... not being a responsible parent... serves your daughter right...

That's how some people are on this forum.

Haven't really got much to input.

The two main concerns are that
The contract is paid on time each month and that your daughter has learnt a valuable lesson from this (assuming she still doesn't disagree with her decision to have got the contract)

As for the comments about credit checks and addresses. The whole thing about blacklisted addresses is absolute tosh. I can confidently say that as I've worked for a large finance provider.

As far as addresses are concerned this is how it is measured. They want to know how long you have lived at an address because it is easier to confirm identity (electoral roll etc) and also a sign of stability for credit purposes if you have lived at your current/last address for some time. Secondly, as part of credit scoring, it is a bit of a postcode lottery. Credit firms (the lenders, NOT the reference agencies like Equifax) devise their own method of scoring based on where you live. Could be past experience of other borrowers as well as demographic class eg A1, C1 etc.

Previous/existing occupants also does not play any influence at all. You are only financially linked to someone if you have made a joint application in the past... this could even be a bank account.

seaniboy

photome wrote: »

OMG

I left home at 16 and joined the Royal Navy as do many other youngsters and then go on to fight for this country before they are 18

Your post is very patronising especially to all the youngsters in Afghanistan at the moment

Get a grip and cope with reality

But for the OP def cancel the insurance

NO under 21 year old should be fighting for nowt. Let the have fun of growing up & mature - then let them kill themselves for our inept politicians.

Oldernotwiser

Lynsey wrote: »

I'm fully behind you Gill, you do appear to be responsible to me as you are trying to sort the mess your daughter got into.

I don't see what's responsible in a parent trying to sort out an adult child's mess for them - rather the opposite!

seaniboy

I think the OP is just trying to protect her daughter - this is not wrong its what most parents do, but your daughter needs to learn the hard way - its her debt.

Perhaps compromise is the way ? she works for £30 a month, you bank £30 a month for her further education in the future ?

Your not bailing her out, but you are educating her about future financial decisions. Your encourage such with reward to her further studies.

drbesty

Lynsey wrote: »

The shoe sale can be cancelled - the phone can't.
I think you nailed the problem - "they've had no time to build up a credit rating.", it's just given regardless.

Anyway, I hope it gets sorted with the network, even if just reduced and no issues are built up through this.

Bye for now.

Lynsey

Everyone has to start somewhere, otherwise no-one would ever get any credit, a phone contract is probably just about the easiest thing to get on credit, OPs daughter saw a flashy phone and didnt think about how she was going to pay for it

iamana1ias

Some of us were adults at 18. I got my first mortgage at 18 having moved out at 17.

It's generally crap parenting that results in such helpless, inept 18 year olds

mumps

Oldernotwiser wrote: »

I don't see what's responsible in a parent trying to sort out an adult child's mess for them - rather the opposite!

I don't know how you know it is a mess, the OPs daughter has made a decision, parent is worried but for all we know the daughter has savings, plans to get a job or has a rich boyfriend who will pay it for her. (This was the case with a friend of mine's daughter) I think it is perfectly reasonable for a parent to worry but doesn't mean the adult child has made a mess of things. My eldest is 39 and youngest is a teenager, I worry about them both (and the ones in between) and help when needed. Hasn't made any of them unable to deal with life. I also consider myself a responsible parent, don't see how a parent worrying makes them irresponsible. It goes with the territory in my experience.