Phone contract after discharge. 13 September 2021 at 8:14PM in Bankruptcy & living with it 3 replies 253 views

bcfc1710

Been discharged for nearly a year now. My phone is on the verge of dying! Who’s best to try for a contract? Or do I have no chance?

TripleH

What is your phone usage?

What do you need from a phone?

Do you need a top end phone with extra data etc if you primarily use it at home off your wifi?

I don't know what contract you will / can get (if at all at this stage) or if a payg sim at this stage is better.

It might be worth buying a reconditioned phone for the short term or a new (but older model phone) you might need to save up for this but will you really need a new phone. Sadly you will have limited options but if you think clever you can still get a workable alternative.

c099

Hi there!

I can share my experience of obtaining mobile phone finance after bankruptcy.  After my discharge, I decided to get Sky Broadband for home (I suppose TV on it's own would work too).  After 3-4 months of on time payments, I asked for a SIM only contract by telephone.  I was very honest with the advisor about by bankruptcy, however, upon doing the application it was approved.

The advisor said if I paid on time for 6 months, I could apply for mobile phone finance.  I called just after the 6 months and applied for finance on a iPhone 12.  It was approved based on my existing services with them and my on-time payment history.

I think it's important to do it by telephone if you are considering taking any form of credit in the early stages.  Where possible, ask for a 'soft search' if they need to perform a credit check.  If it doesn't work with on soft search, maybe look at ways you can improve your credit elsewhere.  I used a service called LOQBOX which had an epic result for me.

I know we are all scored differently, but I wanted to let you know what worked for me.

Any questions let me know

 

bcfc1710

c099 said:

Hi there!

I can share my experience of obtaining mobile phone finance after bankruptcy.  After my discharge, I decided to get Sky Broadband for home (I suppose TV on it's own would work too).  After 3-4 months of on time payments, I asked for a SIM only contract by telephone.  I was very honest with the advisor about by bankruptcy, however, upon doing the application it was approved.

The advisor said if I paid on time for 6 months, I could apply for mobile phone finance.  I called just after the 6 months and applied for finance on a iPhone 12.  It was approved based on my existing services with them and my on-time payment history.

I think it's important to do it by telephone if you are considering taking any form of credit in the early stages.  Where possible, ask for a 'soft search' if they need to perform a credit check.  If it doesn't work with on soft search, maybe look at ways you can improve your credit elsewhere.  I used a service called LOQBOX which had an epic result for me.

I know we are all scored differently, but I wanted to let you know what worked for me.

Any questions let me know

 

Perfect thanks, think I’ll go sim only for now, a family member has offered me there old iPhone X so that will be ok for a year I reckon