Can you end up inheriting your (adult) childs debt (mobile phone bill)?

JustAboutThere

tom717 wrote: »

That will mean absolutely nothing. She can't get a phone contract because she is under 18. Similarly she cannot enter any contract with the OP's brother.

True. But it beats "he said, she said" when/if the relationship breaks down.

His call. Love may be blind, but it doesn't necessarily have to be stupid.

RAS

So he has given his card number and the 3 digit security number to his GF!

He needs to cancel that card immediately as she can make all sorts of purchases and he will have no cover at all.

Nine_Lives

Jenonnet wrote: »

As for the issue with your brother & his girlfriend... rule of thumb... never, never offer or agree to have something in your name, with payments coming out of your Bank Account for someone else.

I have told him this. He just "hmm"s as though he's acknowledging it, but i knew he was going to go ahead & do it anyway.
ATEOTD, when you lay out all the potentials in front of someone & they STILL go ahead, then it's time to let them play sink or swim.

Also, thanks about the clearup with the debt.

moohound wrote: »

Is your brother not concerned that is she needed this now, what will she 'need' next week, an iPad, a flat screen telly, a Ferrari?

Again, these are all things that have been pointed out to him. Ho goes ahead regardless.
I, and my sister & mother, think she's using him for his wallet. He has a job, he has a car - he can pay for everything for her & run her around everywhere & because he 'loves' her, he'll do it.

For example, they've started eating out. They had an agreement that one pays one meal, the other pays the next.
This is modern day, so the pressure isn't on the male so much to pay for everything these days. My wife & I, although married for almost 1 year have been together for almost 10 & we've always split everything 50/50.
Anyway, meal 1 comes up ... my brother pays. Think it was almost £40.
Meal 2 comes up ... it's her turn right? So they go somewhere cheaper (maybe i'm just being a bit too nasty there), but lo & behold ....... does she pay? Nope. My brother pays a fair wedge to it.

They go out for little trips - he pays. They go travelling a good distance - he pays.

I asked him why he paid for everything & he claims he doesn't ... yet when he's telling us what's happened, it's always him paying.

She's apparently moving out next year. I suspect this may be coupled with news of him moving out too.

Aside from the fact i doubt he can function on his own, i wonder who'll be paying the rent, the bills, the everything.

gizmo111 wrote: »

Whn she is 18 she can transfer the contract into her name.

I came back to this thread to ask about that actually.

How does he/she go about transferring it into her name when she turns 18?

My guess is that he wont do it ... 1) because it's too much hassle and the youF of today are quite lazy (unfair sweeping statement i know, but compared to 50 years ago etc) and/or 2) he doesn't want to rock the boat

Bedsit_Bob wrote: »

Could she not get the phone on PAYG?

This was my suggestion, but she was asking for the card details there & then so he provided them.

harrys_dad wrote: »

Love is blind, the poor lad is going to be exploited for as long as he has any money.

I agree. I look out for all my close family members where the spends are concerned & i try & help them all save & make a bit of money. If he wont take advice on board then there's little else i can do.

RAS wrote: »

So he has given his card number and the 3 digit security number to his GF!

He needs to cancel that card immediately as she can make all sorts of purchases and he will have no cover at all.

I know this & have told him this, but he wont.

I thought the arrangement was going to be him going on his own PC, taking out the contract, entering the details & handing her the phone when it came. She would then take his sort code & account number & set up a standing order.

The reality was that she took his S/C & A/C number, but then she was asking via text for the long strip & the security number. I told him immediately to forget that & told him why. He went ahead anyway because she wanted it.
I told him that any time she fancies a new pair of shoes, a new dress (or more like tracksuit outfit!) it'll be him paying for it without even knowing.

I think the best answer he's given in all of this is when asked about what if it all falls apart - she says she'll keep on paying him back.
My God the lad is green!!

Tyler_Du

Couldn't the girlfriend write a number of pre dated chqs to cover the phone payments until the contract ends ?

Nine_Lives

Tyler_Durden_UK wrote: »

Couldn't the girlfriend write a number of pre dated chqs to cover the phone payments until the contract ends ?

You're missing what i said earlier about the type of people we're talking about here. They're not organised like that. I know it sounds 'mean', but knowing my brother & what he has said about his girlfriend, there's zero chance of that.


I think the best thing here is if he can sign over the contract to her once she hits 18 later in the year. Just a question as to how.

bouncydog1

I actually think that having warned your brother of the downside you need to back off and let him make his own mistakes. His girlfriend is clearly able to manipulate him and he doesn't want to listen to your advice.

The contract will need the consent of the mobile provider to be signed over. You would need to review the terms to see if this is possible.

Leebertine

Your brother sounds like my brother a few years ago. He had a girlfriend who he would do anything (and I mean anything) for no matter what people advised him of!

You just have to take a step back and wait for the inevitable to happen, then be there to pick up the pieces with him afterwards (and no I told you so's please!).

gizmo111

Just ring and ask them to change it over - she'll have to be there and it is a simple process - did it when my daughter turned 18 and will do it again for the other one later this year.