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Steve65
Starting Member
34 Posts |
 Posted - 03 February 2010 : 20:29:57
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I have a mobile phone contract and I added to it some months later with one of these deals where you get a free laptop if you take out a 24 month contract on one of their Dongles (you know, where you can plug it into the side of your laptop and get internet connection, pretty much anywhere...supposedly!)
The laptop deal was actually bought through Currys or PC World.If I include the mobile phone provider as one of my creditors, are they likely to come after the laptop, even though it's worth very little? I know the OR won't be interested but not sure about the company that provided it and if they have any say in it.
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debtrider
Junior Member
494 Posts |
Posted - 03 February 2010 : 21:17:59
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I doubt if the OR will have any interest in the laptop as it will have little value. I suppose Currys or PC World could come after the laptop because you did not complete the contract. If the mobile phone company was not one of you creditors in bankruptcy, and you kept the contract running. Then this would not be an issue.
Debtrider |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 03 February 2010 : 21:20:23
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If the laptop was "free" were you tied into anything in terms of duration with the phone?
Richard
"Life is generally something that happens elsewhere" (Alan Bennett - author and one of my best heroes!!) |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 03 February 2010 : 21:25:50
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Steve,
How have you got on with the OR in relation to your BTL?
We exchanged some threads on this if I recall a few weeks ago
Regards, Richard
"Life is generally something that happens elsewhere" (Alan Bennett - author and one of my best heroes!!) |
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Steve65
Starting Member
34 Posts |
Posted - 03 February 2010 : 21:50:24
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Hi Richard
I haven't done the deed as yet. I just needed to get some things in order before going to Court. Luckily, I don't need an appoitment where my Court is and can just turn up on the day, so I'll update you when I hear from the OR with regard to the BTL.
As for the mobile contract scenario, I'm not behind with any payments (so would they be classed as a Creditor?) but as I'll lose my job with BR, there seems little point in keeping it and paying the £100 or so per month it's costing me, so I plan to ask vodafone tomorrow to transfer my number to a pay as you go sim card (as it's the phone that's under contract, not the number) and then get them to give me another number for the contracted phone. A bit sneaky but seems a viable plan of action, unless someone on here knows differently. Keeping the number is important to me.
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 03 February 2010 : 21:57:09
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Hi
I had a mobile and two laptops with dongles on Orange pre Bankruptcy I rung Orange and they told me that they would close the accounts not convert to Pay as you go and allow me to keep the phone and laptops im not sure if Vodafone is the same but would ask them.
The OR may see the £100 a month as a bit steap for telephones too
Stu J Byron |
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Steve65
Starting Member
34 Posts |
Posted - 03 February 2010 : 22:08:27
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Hi Stu
So assuming they close the accounts and they don't allow me to switch to pay as you go but I get to keep the phone etc, can I then get a pay as you go sim card from another provider and get them to transfer the number over?
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debtrider
Junior Member
494 Posts |
Posted - 03 February 2010 : 22:36:17
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If you are not behind with your phone bill then your provider will not be a creditor in your bankruptcy. £100 seems a bit steep for your monthly mobile bill. What is the basic monthly bill under contract. Got no chance of the OR letting you keep that sort of bill going. For instance if your mobile contract was about £35 a month and included all your calls that may be acceptable.
If your phone bills are reasonable and the OR allows them in your expenditure. There is no need to tell your mobile provider about your bankruptcy, as long as you keep on paying the bills then everything would be fine.
Don't know if you might have a problem keeping the same number if you moved from contract to PAY as you go.
Debtrider |
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Steve65
Starting Member
34 Posts |
Posted - 04 February 2010 : 09:48:34
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Hi Debtrider
The basic contract is £30pm but I have add ons such as email which I needed for work plus phone insurance.
Another £30pm is for the dongle that I mentioned previously. Add VAT to all that, then it soon adds up. I know the OR will only allow a certain amount and I can cancel the email part as I will be losing my job as well as the insurance but the dongle part of the contract still remains, and that takes it to around £70pm if you include VAT.
No job equals no money, so I won't be able to keep the contract going for long before that too goes into arrears.
I agree that if it's not in arrears then they can't be classed as a Creditor but I don't want to go BR and then a couple of months after the event have my mobile phone company become a Creditor because of non payment.
I need to keep that number as I will still have old clients contacting me every now and then and I can still earn an income of sorts by referring them to someone else, hence trying the tack of switching to pay as you go.
Sounds though as if I'm going to have to try and keep it going after all.
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debtrider
Junior Member
494 Posts |
Posted - 04 February 2010 : 10:36:52
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You are correct in saying that you will not be able to keep on paying the £70 each month without a job. I don't think the OR will allow £70 per month for a mobile anyway.
The problem is that you need to keep the same mobile number, which is important if it's going to bring you some income.
If there isn't long to go on this contract then maybe you could find the funds from somewhere to pay it off. Mind you at £70 a month, even if there's only 6 months to go it would be £420.
Don't think your phone provider will move your number to pay as you go if it's still under contract.
You can's afford to pay £70 a month and the OR will probably not allow it anyway. I can't see the provider moving your number to pay as you go because you are still under contract.
I think you may have to settle for a new mobile number on pay as you go, unless the contract can be settled.
Sorry I can't think of any other way out.
Debtrider
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mobile phone contract and laptop deal
