Daughter signed up for mobile contract she cant afford!

mumps

iamana1ias wrote: »

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

I moved out at 17 as well, I also had a mortgage at 18 and a baby. Does that trump you? I think you are jumping to conclusions about OPs daughter.

Lynsey

mumps wrote: »

I moved out at 17 as well, I also had a mortgage at 18 and a baby. Does that trump you? I think you are jumping to conclusions about OPs daughter.

Perhaps down to crap parenting. :rotfl::rotfl:Who knows??

I'm definitely on the side that Gill is a fully responsible parent, and a caring one.

Lynsey

robt_2

I'm astounded that people are saying that P4U are in the wrong.

But I'm gob smacked that someone has claimed that at 18 the OP's daughter is not an adult.

spaceman5

robt wrote: »

I'm astounded that people are saying that P4U are not in the wrong.

But I'm gob smacked that someone has claimed that at 18 the OP's daughter is not an adult.

tell us then, exactly how are P4U in the wrong then, unless they did not even credit check them, 18 year old comes into store asks for mobile phone with all relevant paperwork, P4U perform credit check all is fine so said 18 year old gets phone she wants, its not up to P4U to prove she can afford the contract, she has done that by signing the contract, unless they dragged her in off the streets and put a gun to her head:eek:, i work in a supermarket, and from now on whenever i am on a till, i am going to make every customer prove they can afford whatever they are attempting to purchase before i even bother scanning the item;)

iamana1ias

mumps wrote: »

I moved out at 17 as well, I also had a mortgage at 18 and a baby. Does that trump you? I think you are jumping to conclusions about OPs daughter.

No. I wasn't daft enough to have a baby at 18

robt_2

spaceman5 wrote: »

tell us then, exactly how are P4U in the wrong then, unless they did not even credit check them, 18 year old comes into store asks for mobile phone with all relevant paperwork, P4U perform credit check all is fine so said 18 year old gets phone she wants, its not up to P4U to prove she can afford the contract, she has done that by signing the contract, unless they dragged her in off the streets and put a gun to her head:eek:, i work in a supermarket, and from now on whenever i am on a till, i am going to make every customer prove they can afford whatever they are attempting to purchase before i even bother scanning the item;)

It was a typo. P4U are NOT in the wrong

System

The way I look at these things is, some folk are born money wise, some of us have to learn the hard way but she will get it eventually.

Durhamgill

kutsu119 wrote: »

Serves her right. P4U did nothing wrong in assuming that if a person asks for a contract, they are able to afford it.

Well I disagree!...........If I worked for any company selling anything to a student, like a phone contract I would want proof that they could pay for it. She didn't even have a penny in her account when she went for it, and in the middle of signing the contract she had to leave the shop to borrow a pound of her friend to pay it into her account, so the salesman could sort her direct debit out.......So to me I think the contract should have been disallowed!

robt_2

Durhamgill wrote: »

Well I disagree!...........If I worked for any company selling anything to a student, like a phone contract I would want proof that they could pay for it.

She passed the credit check, that is good enough. You wouldn't last very long at a company with that attitude by the way . How exactly do you obtain proof? Have a guarantee from an employer that they will be employed for the duration of the contract? Where do you end? Why should everyone else jump through hoops because of your daughters situation?

She didn't even have a penny in her account when she went for it, and in the middle of signing the contract she had to leave the shop to borrow a pound of her friend to pay it into her account, so the salesman could sort her direct debit out.......So to me I think the contract should have been disallowed!

How does the salesman know that there wasn't £100 to be paid into it on Monday? How does the salesman know she isn't going to cancel the Direct Debit two minutes after she leaves the shop and pay by card each month?

It is about time people started taking responsibility for their actions in this country instead of looking to blame someone else. That is another lesson people should be taught before they reach adulthood.

Just out of interest, do you want a nanny or Police state? Because that is what you seem to want.

Durhamgill

loofer wrote: »

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.

Thankyou Loofer So pleased you're not an ear basher like most of the other people on here..........If they all think I'm such a bad parent,would I be wasting my time worrying about the contract and writing on this forum!