Just turned 18, need help!

DCFC79

gr8wizard wrote: »

Yes, it seems I should use the address my bank account is with although they want where you actually live.

And how do the agencies know that ?

Only way they would know is if your registered with the council at your dad's.

gr8wizard

Arleen wrote: »

So if you don't know how much texts and calls will be, how can you know that it will be more?

Texts, callas and data, I think it'll be at least £10 a month. Also a contract gives you the benefit of swapping phones after two years.

gr8wizard

DCFC79 wrote: »

Plenty of phones around for £300, a £15/£20 pay monthly SIM only deal would surely give you enough for what you need.

You don't need to spend £600 on a phone.

Aren't sim only deals still a contract?

The phone I want is £599.99 which I could pay. It just depends on the sim part that is my concern.

£20/month sim deal is 240 a year so times 2 that's 480. 480 plus the 600 for the phone is more expensive than the contract lol.

Arleen

gr8wizard wrote: »

Texts, callas and data, I think it'll be at least £10 a month. Also a contract gives you the benefit of swapping phones after two years.

So if it's 10 quid a month across 2 years, how much is that total if you just buy the phone?

gr8wizard

DCFC79 wrote: »

And how do the agencies know that ?

Only way they would know is if your registered with the council at your dad's.

So just to clarify the situation.

I live at my dads.
My bank account is registered at my mums.
I signed up for the electoral roll at my dads but then changed it to my mums yesterday.

It's just messed.

gr8wizard

R34GTT wrote: »

That's a good point about there possibly not being a record of a credit search because as it stands there's no person to record it against.

Now you've registered to vote, it takes a month or two to update with the CRAs, as will the bank account address change. So have a look in a couple of months at your credit report(s) and hopefully the CRAs can identify you and they'll be no searches recorded yet. Then go ahead and try for the contract.

\

Ah, a month or two. I'm praying there is no searches recorded yet. So what I need to do is make my electoral roll address the same as my bank address?

gr8wizard

Arleen wrote: »

So if it's 10 quid a month across 2 years, how much is that total if you just buy the phone?

240 over two years + £600 phone that's £840.

but that's only if it actually is £10/month.

Arleen

gr8wizard wrote: »

240 over two years + £600 phone that's £840.

but that's only if it actually is £10/month.

That is where research comes in handy, where you take your actual month usage and see what is best for you.

SeduLOUs

GiffGaff £15 a month goodybag, 4GB data, 1000 minutes, unlimited texts. There are cheaper bundles too which would probably be sufficient.

Over 24 months will cost £960 including the phone. Also gives you the benefit of not being tied to a contract so you can upgrade whenever you feel like it, no termination fees if you find something cheaper, and if you lose your job you can just stop topping up or downgrade your package instead of potentially getting in debt.

robber2

you might not like the idea but can your Dad get the mobile contract for you and you pay him each month when the bill comes in.

Rob