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    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
    • I've looked at your case specifically more.   Term 8bii reads " when, in accordance with instructions from the Customer or the Consignee, the Consignment is left in a safe place" Their terms choose to not define safe, so they are put to proof that the location is safe. If your property opens onto a street its a simple thing of putting a google earth image and pointing out that its not a safe place
    • New rules and higher rates resulted in a jump in the number of savers opening accounts at the start of this year's Isa season.View the full article
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Phones 4U collapses into administration


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Hi All

 

Just found this online.

 

http://www.itv.com/news/2014-09-14/phones-4u-to-enter-administration-after-ee-cuts-ties-with-retailer/

 

Be ready for the questions all

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Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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As rebel said. Your contract is with the service provider. Phones4u are just the equivilant of a broker.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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I am a bit scepitcal of the move though.

 

When my 02 contract came up for renewal 02 only gave me **** deals even when I pressed the disconnections department.

 

Carphone Warehouse however outclassed them massively AND i stayed on 02 network same number etc.

 

Wonder if this is the beginning of the operators taking back everything so they can make m ore profit.

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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from http://www.bbc.co.uk/news/29201191

 

Will this affect mobile phone contracts bought through Phones 4U?

 

All existing mobile phone contracts will be honoured, the company says. Networks will continue to provide mobile services to these customers, so customers will be able to continue using and paying for their phone as normal.

 

 

The company says that any existing discount deals will still be honoured. Some customers receive a £5 discount each month.

 

 

Clearly, customers will still have a decision to make about where to take their custom when their contract expires.

 

 

What about phone insurance policies? Again, these policies will be honoured. Anyone who needs to make a claim if, for example, their phone has been stolen will still be able to do so, with staff still available to take these calls.

 

 

What happens if a phone has been ordered from Phones 4U?

The company says that any phones that have been ordered and sent out can be used as normal by customers.

 

 

However, orders of phones yet to be dispatched will be cancelled and refunds automatically paid to customers.

 

 

Phones 4U customer services remain operational and available on 0800 072 5855, the company adds. Customers whose phones are being repaired should also use this number.

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http://www.theguardian.com/business/2014/sep/15/dixons-carphone-phones-4u-staff-ee

 

 

 

Phones 4u hits out at Vodafone and EE over store closures

 

Retailer says networks have not honoured pledges while mobile operators say partnership was no longer competitive

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Just a query from my SIL. She has paid a cash deposit, yes l no she did not listen, and she keeps getting a answerphone message for the published number how can she get a refund if order not dispatched

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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That should happen automatically, apparently it's an automated system.

 

Just a query from my SIL. She has paid a cash deposit, yes l no she did not listen, and she keeps getting a answerphone message for the published number how can she get a refund if order not dispatched
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I just took out a 12M contract with vodafone through phones4u last week, so I could get a replacement for a phone I lost on another contract. Now I have two sim cards, and I only need one, but it was a cracking deal! brand new xperia M2 for 90£ and only 12 payments of £9.50 for 300m, 500txt and 250MB. If i was to say, just not pay the 12M contract which was part of the deal, would vodafone chase me for it?

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Yes, the contracts are still valid. We have Vodafone Rep (Lee) on this site who can look into the matter for you. Be pro-active rather then re-active.

Start a thread on the Phones forum.

 

I just took out a 12M contract with vodafone through phones4u last week, so I could get a replacement for a phone I lost on another contract. Now I have two sim cards, and I only need one, but it was a cracking deal! brand new xperia M2 for 90£ and only 12 payments of £9.50 for 300m, 500txt and 250MB. If i was to say, just not pay the 12M contract which was part of the deal, would vodafone chase me for it?
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