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18 year old nephew in financial difficulty
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![[Deleted User]](https://us-noi.v-cdn.net/6031891/uploads/defaultavatar/nFA7H6UNOO0N5.jpg)
[Deleted User]
Posts: 0 Newbie

Hey people! Feel like an owl here, mentioned to a family member about this forum, and now I’m being asked to ask another question lol 
Okay, so I have an autistic nephew (for reasons he can’t use the forum himself, so I’m doing the asking).
basically, he has set himself up, and is in a serious financial badship, for some unknown reason, he has managed to apply and get 3 mobile phone contracts , all around 8 months old now (so there’s no way of returning these handsets), he done it because he wasn’t happy with the handsets he had, a Samsung s10, then an iPhone 11, then iPhone 11 Pro, the lender was sky mobile, now, he doesn’t earn a huge amount, and has been recently furloughed with 80% of his wage.
he defaulted on all three in January, and sky have now sold the accounts to a debt collector.
would this be classed as inappropriate lending by sky? Setting up handset loans for well over £2500 in total, knowing he was on a limited wage? And having three in general is a bit extreme, surely they should of done further checks? Has he any way out of this? Or is it a case of him having to have my sister help him to clear the balance?.
thanks I’m advance, bit of a tricky one .

Okay, so I have an autistic nephew (for reasons he can’t use the forum himself, so I’m doing the asking).
basically, he has set himself up, and is in a serious financial badship, for some unknown reason, he has managed to apply and get 3 mobile phone contracts , all around 8 months old now (so there’s no way of returning these handsets), he done it because he wasn’t happy with the handsets he had, a Samsung s10, then an iPhone 11, then iPhone 11 Pro, the lender was sky mobile, now, he doesn’t earn a huge amount, and has been recently furloughed with 80% of his wage.
he defaulted on all three in January, and sky have now sold the accounts to a debt collector.
would this be classed as inappropriate lending by sky? Setting up handset loans for well over £2500 in total, knowing he was on a limited wage? And having three in general is a bit extreme, surely they should of done further checks? Has he any way out of this? Or is it a case of him having to have my sister help him to clear the balance?.
thanks I’m advance, bit of a tricky one .
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Comments
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No, it was irresponsible consuming on the part of your nephew.3
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tommyedinburgh said:No, it was irresponsible consuming on the part of your nephew.0
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It is a frustration for all involved but there is no getting away from it.1
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tommyedinburgh said:It is a frustration for all involved but there is no getting away from it.0
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@[Deleted User]
It could be argued that Sky kept giving a customer new credit without taking into account the vulnerability of your nephew.
FOS : Unaffordable lending
Make a written complaint. If they do not uphold the complaint, then the matter could be escalated to the FOS
I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job1 -
Willing2Learn said:It could be argued that Sky kept giving a customer new credit without taking into account the vulnerability of your nephew.0
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If he has three handsets including at least two high spec ones (the iPhones) he could sell them to help pay down the debt? Once a debt is defaulted you can often negotiate a settlement figure with the lender.
I must admit it is a little surprising that Sky allows three accounts in the same name to be opened like this but I am not convinced that this will be classed irresponsible. Maybe you could contact Sky Mobile on his behalf, explain his situation and see what they will do to settle the debt?
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1 would argue the s10 is a higher spec than the iPhones....2
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I would think that the OPs nephew will prefer my suggestion....I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job0 -
@ OP
Request:
Please could you post these types of threads in the DFW board. As I keep getting verbals from those on the forum who disagree with members applying the relevant legislation correctly.
Thanks
I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job2
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