Credit rating ruined by EE

sargeantsalt

@Nasqueron "Nope, an example of someone not reading the terms and conditions." @Arleen "As you can read in your agreement..." Yes the OP should have read and memorised the agreement enough to be able to recite all terms and conditions verbatim on demand. Just a poll: How many MSE users have read the terms and conditions and privacy notices of MSE? A few perhaps. How many can remember everything? How many contracts are each of you bound by in your day to day lives? How many did you read and how much do you remember? There was a recent study (I can't remember where I read it) but anyhow, it was calculated that the average person would have to spend about 2 hours per day reading terms and conditions if they actually read them for every service/contract or website they used. The estimated lost productivity to the economy would be £billions. Better to spend 2 hours per day earning money and save it up as a buffer for when you get shafted by some small print.

ThinkingOutLoud_2

Not a bad plan maybe, unless your contract is rendered void by some key fact you ignored.

But here as the plan is called "24 Month Plan" selected by the customer instead of 12 Month or Pay as You Go - the clue is even in the name of the product.

And barely the third point on page 1 says
"3. Minimum Term. You will have to agree to stay with Us for a minimum period of time which We call the Minimum"

Not exactly caveat emptor trickery.

DCFC79

If you wasn't sure how to cancel you ask EE/Orange whether via post or over the phone or google it.

But thats all in the past now.

badmemory

ThinkingOutLoud wrote: »

- As to you not getting a mobile - why not buy a £10 phone and a pay as you go sim for emergencies. Then, when that £10 runs out - the phone is a useful paperweight until you need to make another call when out of the house?
- May I assume you don't buy insurance, white goods, have a credit card, bank account or mortgage or go on holiday, etc. as these forums are replete with issues with those too...

I said I wouldn't have a mobile phone CONTRACT.

Chappaz

ThinkingOutLoud wrote: »

Not a bad plan maybe, unless your contract is rendered void by some key fact you ignored.

But here as the plan is called "24 Month Plan" selected by the customer instead of 12 Month or Pay as You Go - the clue is even in the name of the product.

And barely the third point on page 1 says
"3. Minimum Term. You will have to agree to stay with Us for a minimum period of time which We call the Minimum"

Not exactly caveat emptor trickery.

To me this sort of stuff shouldn't even need to be found out.

In my view, the best way to handle credit agreements is to be paranoid. Assume the worst until there's proof to say otherwise.

With any credit agreement, I always assume there's some kind of minimum contract term, minimum period, notice period, get-out requirement or automatic renewal.

If there's not, great, but it's always best to expect it and act accordingly to avoid getting burned.

And this degree of scepticism is usually well justified, because more often than not, there will be something.

Arleen

sargeantsalt wrote: »

@Nasqueron "Nope, an example of someone not reading the terms and conditions." @Arleen "As you can read in your agreement..." Yes the OP should have read and memorised the agreement enough to be able to recite all terms and conditions verbatim on demand. Just a poll: How many MSE users have read the terms and conditions and privacy notices of MSE? A few perhaps. How many can remember everything? How many contracts are each of you bound by in your day to day lives? How many did you read and how much do you remember? There was a recent study (I can't remember where I read it) but anyhow, it was calculated that the average person would have to spend about 2 hours per day reading terms and conditions if they actually read them for every service/contract or website they used. The estimated lost productivity to the economy would be £billions. Better to spend 2 hours per day earning money and save it up as a buffer for when you get shafted by some small print.

Or you can actually read what I wrote, to read the cancellation clause of your contract when you cancell. But then you wouldn't be able to go on this barely coherent rant.

sargeantsalt

Might be a better idea to read it before signing up.

anna_1977

Did you never receive any bills during that period for the outstanding amount - I imagine they would have sent a default sums or something like that?

ThinkingOutLoud_2

anna_1977 wrote: »

Did you never receive any bills during that period for the outstanding amount - I imagine they would have sent a default sums or something like that?

OP says he changed addresses 6 months before and never got anything after that...looks like the address was never updated, for whatever reason.

ThinkingOutLoud_2

Chappaz wrote: »

To me this sort of stuff shouldn't even need to be found out..

Really - you have to find out that a "24 month plan" last 24 months? You can hide behind facts, but not from them.

Chappaz wrote: »

In my view, the best way to handle credit agreements is to be paranoid. Assume the worst until there's proof to say otherwise..

If you refuse to read even a few words of what you are signing - then you have no choice but to assume the worst. This seems defeatist and self-fulfilling. You will be caught out by something you chose not to even glance at. Your point will inevitably be proved - so satisfying.

Chappaz wrote: »

With any credit agreement, I always assume there's some kind of minimum contract term, minimum period, notice period, get-out requirement or automatic renewal..

Name a single credit agreement that does not have any of these. It is not rocket science to pay attention to these meeting your needs or expectations. Of course, automatic renewal isn't always relevant - but something that says what happens when the contract period ends is.

Chappaz wrote: »

And this degree of scepticism is usually well justified, because more often than not, there will be something.

Of course you are right - if you never read the terms, you will never be caught out for not understanding them.