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Sim Free Samsung Galaxy S3

I have a Sim Only deal with Virgin for £5.21 a month (200 mins, 1Gb Data and 5000 texts).

I am trying to get my monthly payments (including the cost of buying the phone outright) over 24 months to about £15-£20 but have had no luck so far. I need the phone to come from a reputable dealer (not Ebay or the like). Don't want to run the risk of receiving a defective phone.

Any ideas?

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