Phone contract gift

Candyapple

Are you still in contact with your ex? If yes, then work out what the remaining balance will be for the 20 months and ask for his half of the money. Then with your half of the money (as it was a joint gift) make sure the funds would be in place in your account until the contract ends. In the meantime contact the phone company and place a block on any charges going over the airtime contract so no expensive bills can be run up.

If you cancel the DD or try and terminate the contract early your credit rating will be ruined for the next 6 years. Most phone companies won't allow you to terminate the contract early, but there are a few who do, with penalty fees sometimes added on.

FBaby

So until now he was happy to pay, but now says he won't? What is he suggesting though? Are you saying that he thinks you should take over the payments for him even though he was happy to pay until then?

It sounds to me like there is more to it than this? Could it be that he is paying something else bought jointly so considers it 50/50?

In the end, it is up to you to cancel the contract, or take it for yourself and up to your ex to sort out a new contract for his son.

fierystormcloud

Cornwallsamsam wrote: »

Advise required plz. I hv a 24 month mobile phone contract in my name +paid by direct debit from my bank ac. The phone was a gift to my now ex's son. He is refusing to buy the contact out. Where do I stand?

I don't understand why you think that this phone contract is anybody's responsibility but yours. The phone is in your name, even though your ex said he would share the responsibility. Unfortunately, you took that risk when you put it in your name, that you would be solely responsible. Why was the phone not in your ex's name? Why yours?

Why anyone would sign a 24 month contract for someone else just baffles me frankly. My sister's 17 year old son asked HER to sign a 24 month contract saying he would pay it out of his part time job, and she flat out refused, because she knew if he reneged on it, she would be paying the £30 a month!

Pixie5740 wrote: »

What was a gift to your ex's son? The phone or the phone plus the contract? It's a bit crap to take a gift back from the son because you've split up with his dad.

I agree, if it was a gift, you should honour it.

Is your ex paying HIS share by the way?

JoBatch80 wrote: »

That's not the sons fault that you broke up. Bar the phone if you like but ultimately you're still responsible. You signed a contract.

I agree.

If you signed this and it was a gift to your ex's son, then unfortunately, you are the one who has to pay. Not him, not his dad. You.

This puts me in mind of people who sign to be a guarantor, then start trying to welch on their responsibility when the person they were a guarantor for misses a payment, and starts asking how they can get out of paying.

Even if you try and cancel the contract, I am guessing that you will still have to pay the full amount that you would have paid if you just let it run its course.

That's life. You will have to cough up. Even if you get the phone cancelled (which is rather spiteful,) you will still have to pay the amount (probably the amount that takes you to the end of the contract.)

As someone said earlier in the thread; it's a hard lesson to learn. You can try and get half of the remaining amount from your ex (as someone suggested,) but I don't fancy your chances. As I said, is there any particular reason why the 'ex' didn't put it in HIS name?

DUTR

fierystormcloud wrote: »

snip

As someone said earlier in the thread; it's a hard lesson to learn. You can try and get half of the remaining amount from your ex (as someone suggested,) but I don't fancy your chances. As I said, is there any particular reason why the 'ex' didn't put it in HIS name?

Easy options are the son is not old enough to take out their own contract.
The Mum may not pass the credit check.
The 'gift' itself may not have been the phone or the contract, just the ability to obtain the contract for them.
The OP will have to come back and clarify (not that it will change much ) .