Irresponsible lending - help!,

Tiggerdumbo

My brother in law, who does not work and cannot work due to mental health issues and is not quite all there if you know what I mean! Went into a phone shop and walked out with an I phone 5 s on a contract which he cannot afford, his mum has found out and it is outside the 14 days before he told her and he does not understand what he has done wrong, where do we stand as this is clearly irresponsible lending and what can we do, any help would be greatly appreciated, thank you

pepdavies

If he has a UK bank account and is over 18, what do you expect the shop staff to do? They'll do anything for a sale, they wouldn't make him do an intelligence test.

DCFC79

Tiggerdumbo wrote: »

My brother in law, who does not work and cannot work due to mental health issues and is not quite all there if you know what I mean! Went into a phone shop and walked out with an I phone 5 s on a contract which he cannot afford, his mum has found out and it is outside the 14 days before he told her and he does not understand what he has done wrong, where do we stand as this is clearly irresponsible lending and what can we do, any help would be greatly appreciated, thank you

Do you know anyone who needs a new phone and trustworthy enough to meet the repayments ? Other than that I don't know what else you can do.

Anoneemoose

I think if you get medical confirmation from a consultant (or similar) stating that your BIL is incapable of understanding and running a mobile phone agreement, the network might cancel.

Which network is it?

robbies_gal

it depends how bad he is -if hes capable of handling his own money and has his own account im not sure you can do anything

grumbler

Tiggerdumbo wrote: »

...cannot work due to mental health issues ... and he does not understand what he has done wrong, ....

In this case keep the phone, stop paying, cancel the DD and get his credit file trashed. This will be good for him as it will protect him from getting any credit in the next 6 years.

keith1950

Irresponsible lending - help!,
My brother in law, who does not work and cannot work due to mental health issues and is not quite all there if you know what I mean

Companies need protecting from people like this...it sounds as if he shouldn't be allowed out on his own.

In this case keep the phone, stop paying, cancel the DD and get his credit file trashed. This will be good for him as it will protect him from getting any credit in the next 6 years. Yesterday 11:54 PM

As they will probably not get any money off him this is probably be the best thing as it will stop him getting away with it again.

This is not irresponsible lending so pay this debt for him and then only let him out while supervised.

Why should the rest of us end up with higher costs because he is allowed out to act irresponsibly.

Techhead_2

Tiggerdumbo wrote: »

My brother in law, who does not work and cannot work due to mental health issues and is not quite all there if you know what I mean! Went into a phone shop and walked out with an I phone 5 s on a contract which he cannot afford, his mum has found out and it is outside the 14 days before he told her and he does not understand what he has done wrong, where do we stand as this is clearly irresponsible lending and what can we do, any help would be greatly appreciated, thank you

Are you saying that shops should do an assessment of a potential purchasers mental health before selling to them? Are they qualified to decide if someone is "not quite all there"?

This isn't irresponsible lending, it's someone making a decision which their family thinks is wrong. If he is prone to making wrong decisions then why aren't precautions in place? Even something like protective CIFAS registration would help if he can't be properly cared for,

What you can do now is politely explain to the network that HE made a wrong decision, explain why and ask them to come to an arrangement.

nsabournemouth

keith1950 wrote: »

Companies need protecting from people like this...it sounds as if he shouldn't be allowed out on his own.



As they will probably not get any money off him this is probably be the best thing as it will stop him getting away with it again.

This is not irresponsible lending so pay this debt for him and then only let him out while supervised.

Why should the rest of us end up with higher costs because he is allowed out to act irresponsibly.

You response would be better suited to someone who has no intention of paying because they just won't.

This is slightly different. !!!!.

Timalay

Does your mother in law have power of attorney over the lad. If so that might be a way out.

SteveHenshaw

Techhead wrote: »

Are you saying that shops should do an assessment of a potential purchasers mental health before selling to them? Are they qualified to decide if someone is "not quite all there"?

This isn't irresponsible lending, it's someone making a decision which their family thinks is wrong. If he is prone to making wrong decisions then why aren't precautions in place? Even something like protective CIFAS registration would help if he can't be properly cared for,

What you can do now is politely explain to the network that HE made a wrong decision, explain why and ask them to come to an arrangement.

I agree.

Imagine if the store who sold him the phone had turned him down because they thought he wasn't all there. The OP would likely be on here posting about discrimination