Mobile phone bill and offer to pay installments

Notebook

Hi
Friends mobile phone stolen - she reported to police - didnt tell mobile company until bill.
OK - owes £600
Student at university

Can she offer to pay £10 a month etc?

Could they still take her to court etc

No "hindsight" comments please - silly girl etc - what I would have done....
Most forums are full of answers nothing to do with question...

Thanks for those who try to help

HappyMJ

Very unlikely to be taken to court even if no payments have been made. The worst I've had is a default which stays on your credit record for 6 years before dropping off. The company then writes the debt off. If she can't afford to pay it off in full then I just wouldn't pay anything and wait out the 6 years and keep your £10 a month.

Own_My_Own

HappyMJ wrote: »

Very unlikely to be taken to court even if no payments have been made. The worst I've had is a default which stays on your credit record for 6 years before dropping off. The company then writes the debt off. If she can't afford to pay it off in full then I just wouldn't pay anything and wait out the 6 years and keep your £10 a month.

The only problem with that idea, is we don't know how far into the contract she is, or how much it is.
If she is on month 3 of a 24 month contract at £30 a month, it could end up costing her a pretty penny.

Notebook

Hi
will find out - contract £15 a month - not sure 12 month type or 1 month type.
Thanks for your time so far

shonzyd

has she spoken to the mobile company and explained what happened?

Notebook

she has explained - the contract was up and just needed one months notice. Bill registered at her fathers address Turns out the mobile was used for 3 days and then orange blocked it.