Hi Dx I've checked and my outstanding balance on both phones is 720 pounds not 1200. I also tried to change my address with them but they saying I need to have valid UK address, otherwise they will keep using my previous address. Do you recommend sending them letter informing them that about my new address ? Thank you I.

Could you please advise what is the best way to reach out to them and inform them about my circumstances? It's very stressful situation and I don't want to say or write a wrong thing. Again, thank you I

Thank you Dx. Why when checked online every website states that mobile phone debts are priority debsts? Shall I cancel both contracts in writing? Or better to setup small repayment plan with them? Again thanks very much for you time I. Also, I understand that when I'll stop DD my phone would be disconnected. But what about the phones themselves? They haven’t been fully paid off so how would they recover the money for it? Thank you for all the advice I.

Hi Guys. You’ve helped me before with your advise and I wonder if you could help me with another problem. I left Uk a year ago but still got contract with Virgin mobile for two phones. Mine and my daughter. I'm paying monthly for minutes and text plus for two phones. I never been in arrears with them but now I've got to the point where I can't longer afford to continue paying those bills. I still got over a year on both contracts owning in total around £1200. My question is what would happen if I would stop making payments? Is mobile phone debt a priority debts? I just don't know how to deal with such situation. Any help would be greatly appreciated. I.

I got your point. Let's skip Court subject entirely. Enjoy your evening I

Hope you're right Sir But there are always Courts on the way so that's something which bothers me. I must admit you're quite a philosopher i

Thank you for a clarification. In other hand I did borrow money and can't repaying back. They must have some ways of recovering this kind of debts hence my worries. Previous comment stated that they can sell my debt to other country collectors and God knows what they are allowed to do. But as I mentioned before I feel much much better thanks to you guys so gonna try to stay positive. I

what you mean by "there is stuff"? English isn't my first language so I believe it's a natural reaction that I'm afraid I might be in a deeper troubles. I don't know how the english law works in such cases hence my question in this group. Maybe 'pray' was a too big word but indicates that I'm really worried about whole situation. And yes I agree it would be very nice to know what all anyone can do to me. Unfortunately I do not have this knowledge in this particular situation. It might be naive on my side but I trust all that've been said in this topic and will follow your advice. Time will tell if I did the right thing. I appreciate your help. I really do. I feel less worried and started seeing some bright side in this whole situation. So thank you for that. Irmina

That's worrying. Letters with change of address sent. Now I can only pray. Thank you Guys a lot. I

One more question. If I inform bank about my new address outside Uk would they close my account. I'm not sure how it works with banks in uk when don't have valid uk address I

To summarise. Letter with my new address to be sent. How about explaoning my reason of stopping repaiments? Is that crucial or you recommend to skip this step? I know I might be reapiting my questions but I really appreciate you patience and all your comments. I

Do you guys think when I provide my exact address they won't sent letters and maybe bailiffs to my new address. i know Uk is no longer in EU but thay might still cooperate with such cases? I

May I ask what more troubles I can be in? Just for not providing my full address?

I'll write the letter with explanation of why I'm stopping my repayments. I will only include the information that I've moved to Poland without providing my exact address. I'm pretty sure they will start sending me emails demanding repayments and providing exact address. I'm so afraid to start this whole process but I just cancelled my Direct debit so there's no way back. Hope this will end up without me getting into more troubles. Many thanks Irmina

Thank you. My mistake. Do you suggest to send them a letter with information that I've moved abroad? Or email or phone call would be enough? To me not being able to repay the debt feels like a crime. Never been in such situation but I've got to the point where I've simply ran out of any options. Can't thank you guys enough for all your advice. Irmina