Declined a phone contract?

Buzby

Who said anything about buying new? My 4 cost me £386, and for the condition it was pristine. As it stands, you appear to be advocating a mobile contract, when none is really required, yet then suggest it.

To the OP - As for getting a parent to 'front' the purchase - I can think of a few - first, you cannot arrange a Direct Debit from your account to hers. If it goes wrong, no matter how well-meaning you are, it is her valuable credit file you will be trashing, not yours. Take the Money Saving route, as the downsides do not outweigh the up.

reclusive46

If you have the amount in your bank account, get a copy of your statements and send it with a letter to Vodafone credit referrals.

grumbler

Buzby wrote: »

Who said anything about buying new? My 4 cost me £386, and for the condition it was pristine. As it stands, you appear to be advocating a mobile contract, when none is really required, yet then suggest it.

I think you are the only one here who prefers a second hand phone for £386 upfront plus 12x£10 to a new one for £382 spread over 12 months.

...first, you cannot arrange a Direct Debit from your account to hers.

I have never done this personally, but many people here reported setting such DDs without problems. E.g.:

thelions123 wrote: »

I rather naively took out a phone contract which my ex used. I got the direct debit signed over to her bank account ....

reclusive46

Agreed with the DD. You can easily set it up in someone else's name on their account. My 17 year old son has a contract under my name but the direct debit on his bank account with T-Mobile. I just had to call them.

username

Speaking as person who does applications for new customers for a mobile phone company, there are a whole myriad of reasons why you would be declined.

In your case, being 18, you may not have enough of a credit history to pass the scoring criteria. Also, are you registered on the electoral roll?

You may have plenty of liquidity, but it is unlikely that you will have held any form of credit product before you were 18, as you cannot take out credit agreements before you become an adult (in the eyes of the law).

Hence why you will not have a credit history as such, because you won't have taken out credit and made repayments. Your bank will not will not report account conduct to the credit reference agencies until you're 18.

Having no credit history is as bad as sometimes having an adverse credit history - there is a risk in both cases that you will not be able to make a repayment and default.

I would just sit it out, and in the meantime, work on building your credit score. Get a credit card (even if it has an awful APR, it is not relevant as you will pay it off in full each month).

Pay for some things you would normally buy on your debit card(like petrol). Move the amount you've put on the credit card into a savings account, and when your statement comes in for your credit card, draw it out and pay it on time. Do this for about a year and you will have some credit history. If you get declined once, do not apply for more credit in a short period of time.

mazza111

I was just going to post something similar to the above ^^.

Your own bank's credit card is the usually the place to start. That's what I had to do so many years ago...

Farway

Further to credit card option, set up a DD to "pay in full" every month, do not rely upon paying in cash over the counter, you may be sick that day, or forgotten it was Bank Holiday, or your on line banking fails for whatever reason or something else, and then you would have a default payment showing on your nice new credit reference