I am wanting to go on contract as i am spending around £20-30 a week on my payasyougo mobile, and am jsut wondering if anyone has recently gone on contract, which mobiles they have got and how much they are paying a month??

thanks :thumbsup:

I am wanting to go on contract as i am spending around £20-30 a week on my payasyougo mobile, and am jsut wondering if anyone has recently gone on contract, which mobiles they have got and how much they are paying a month??

thanks :thumbsup:


I spend the same as you, the only difference is i cant get a contract because ive got no credit becuase the bank ive got is rubbish, i havent lived at my address over 3 years and ive never had a credit card so i cant get a contract... grrr :rant:

Miss Gobby,
I pay £30 a month on my contract with 3.
I get 500 cross net anytime minutes and 100 text messages included.

I got a free Nokia 6630 too (although this was nearly 8 months ago now so the phones will have updated somewhat).

Have a look at the 3 handsets which are available on here: www.justphonedeals.co.uk (sponsored by Carphone Warehouse) and see if anything takes your fancy.

In fact have a look at the other networks too as you can find a good deal on most of the networks available now.

Mine costs £27.00 a month and I get 250 texts and 300 crossnetwork offpeak mins, plus a free nokia 6230 n that where 10months ago.....be upgrade time soon wooo :D

I've just downgraded from pay monthly to pay as you go as i'm off travelling, I found pay monthly a bit of a rip off. :mad:

ive got no credit becuase the bank ive got is rubbish

That doesn't actually make sense. Do you mean your credit rating is poor because your bank account is rubbish? Your bank account doesn't affect your credit rating - the way you run it does.

I have a 500 min, 100 text 8mb data deal with Vodafone for £40 a month

I spend the same as you, the only difference is i cant get a contract because ive got no credit becuase the bank ive got is rubbish, i havent lived at my address over 3 years and ive never had a credit card so i cant get a contract... grrr :rant:

you've got a poor credit rating because of yourself and no other reason

I have a pay as you mobile go on O2. I was on vodafone befor that and i was spending btw £15-£25 a week that is btw £30-£50 a month depending on how much i used it in a week and if i need to top up that week.
Now i've changed to 02 i only spend no more then £10 a month as i do use my free 300 tex's up and only ring in an emergency or when i need to so it has saved for me in the long run, I was going to go on a contract till my sister gave me a 02 sim card and it has saved me in the long run.

i am not going on 3 as i have heard so much about how rubbish they are etc. and my fiance's mum is having ALOT of problems with them, i am on Orange now and so is my fiance so i would like to stay on Orange.... :)

you've got a poor credit rating because of yourself and no other reason
That may not be entirely true....it could be that the previous occupant of the property had a poor credit rating, or was blacklisted, which Mz_Babe would have to address with the credit reference agencies. Also, most young people of her age wouldn't have a credit rating, good or poor, unless they have got themselves into trouble with debt. They can't apply for a credit card or a mortgage until they're 18, and there are very few who do that.

Mz_Babe, you've mentioned this before ~ is it just one particular network provider that's said you can't have a contract. It's always a good idea to shop around ~ a provider such a Virgin may be more forthcoming.

MissGobby, what do you mainly use your mobile for? There are some good deals around with free texts and/or free anytime, any network minutes. Go to the network providers' websites, and make comparisons with different packages.

I pay £20 a month for 3000 texts and 200 anytime X-Network minutes.

But that was a special deal Orange offered me to stay with them (got a free phone as well), which I think they regretted after but they had to honour it :)

I've been on every network and IMO Orange are the best to be with.

That may not be entirely true....it could be that the previous occupant of the property had a poor credit rating, or was blacklisted, which Mz_Babe would have to address with the credit reference agencies. Also, most young people of her age wouldn't have a credit rating, good or poor, unless they have got themselves into trouble with debt. They can't apply for a credit card or a mortgage until they're 18, and there are very few who do that.

Mz_Babe, you've mentioned this before ~ is it just one particular network provider that's said you can't have a contract. It's always a good idea to shop around ~ a provider such a Virgin may be more forthcoming.

MissGobby, what do you mainly use your mobile for? There are some good deals around with free texts and/or free anytime, any network minutes. Go to the network providers' websites, and make comparisons with different packages.

Previous tenants at her address can not effect her credit rating, addresses getting black listed is a myth.

If she wants a good credit rating she could:

get a credit card....you don't even need to use it, can even snip it up.
regular income going into your bank account, ideally a job
be on the electoral register.

the only problem she could have if someone at the same address has the same initials, last name and has a poor credit rating. In that case, she needs to ask the company who denied her credit which organisation they use to get details, she then needs to contact them and inform them of her details.

At the end of the day Ann, you are always in charge of your own credit rating. The data protection act is a wonderful wonderful thing

How can you get a credit card with no credit rating? They've not let me have one for years! Seriously - advice would be great!!

I always thought the address could cause problems. Certainly I had difficulty getting a phone contract when living at known student houses...

p.s. Orange were the ones who let me have a contract when no other phone company would! Yay Orange!

Previous tenants at her address can not effect her credit rating, addresses getting black listed is a myth.


It appears that you're incorrect, from what it says here (http://www.insolvency.gov.uk/freedomofinformation/technical/creditrating.htm).

How is my address affected by bankruptcy?

When a bankruptcy order is made, details of the bankrupt are advertised, including addresses at which he currently lives and trades, and previous such addresses. As a result, a bankruptcy order may become associated with an address, and if you live a such an address, you may experience difficulties in obtaining credit. This is because it may be assumed that you are the bankrupt with which the address is associated. However, you have the right to inspect information held by credit reference agencies and have any incorrect information changed. Further information is available in a leaflet called ‘Credit explained’ available from the Office of the Information Commissioner

www.informationcommissioner.gov.uk

tel: 08453 091 091

Also, your reference to Data Protection Act is very strange ~ do you mean The Consumer Credit Act?

your quote clearly states that you can get disassociate yourself from a bankrupsy at your address, like i said you have total control over your own credit rating. Disagree with that?



Also, your reference to Data Protection Act is very strange ~ do you mean The Consumer Credit Act?



no i mean the data protection act because you have access to your own information that others hold on a computer to ensure that it is correct.

your quote clearly states that you can get disassociate yourself from a bankrupsy at your address, like i said you have total control over your own credit rating. Disagree with that?
And I pointed out, in my previous post, that it would be something that would have to be taken up with the appropriate agency!

And I pointed out, in my previous post, that it would be something that would have to be taken up with the appropriate agency!

as i did, so you are in control of your own credit rating

02

500 minutes X-network, anytime, 500 texts, brand new funky V3 Razor phone

:)

Should have been £35-00 per month but got it for £30-00

stagewalker, i am thinking about getting that v(dont no rest...) pink, but my bloke says theres a few kids in the army with it and they say its crap and has s small memory, is this true or is ita great phone?

Hiya Gobby,

Well I use mine for personal and business use, and although it's been a little difficult to get used to (being a nokia user since year blob) I have to say I'm quite pleased with it overall.

Thanks to the funky software, I've easily downloaded my Outlook contacts onto the phone, a couple of MP3's and a few photos. Was very glad about this as manually typing 300 numbers in takes some time :loopy:

To be honest, memory size isn't brilliant. I only have one or two MP3 files on my phone for ringtones - but they are big ones.....and what the phone lacks in memory size, it more than makes up for in other areas.

I like it!

Went out for dinner last night and all four of us had the same phone which was a bit spooky.

I think if you just use the phone as a normal phone, have a few MP3's on it, take a few pictures, you'll be fine. It takes great pictures by the way.

Good luck! :)

I'm on contract with "Plus"....I pay £28 per month with nothing free and no gimmicks.... my handset is a Sony Ericsson K750i and all calls to landlines or cross networks are 2.5p per min. anytime Calls to other "Plus" customers are free. Texts are 7p and picture messaging is 20p. Whilst there are no gimmicks my bill is very good compared to when I was on Orange. Oh and I can do a proper google search on the net with it.

I'm on contract with "Plus"....I pay £28 per month with nothing free and no gimmicks.... my handset is a Sony Ericsson K750i and all calls to landlines or cross networks are 2.5p per min. anytime Calls to other "Plus" customers are free. Texts are 7p and picture messaging is 20p. Whilst there are no gimmicks my bill is very good compared to when I was on Orange. Oh and I can do a proper google search on the net with it.

Great taste! :D

I love my K750i. Takes fantastic photos with its 2MB camera, stores up to 1650 photos and uses a memory stick pro so you can upgrade the memory if you need to. Has an mp3 player, FM radio and other bits and bobs.

I have the K750i too.

I'm paying £30 a month with Orange, which gives me 150 minutes (allegedly, I've checked befoer and had 180 - 200 still left halfway through a month!) and 1250 free texts.

I had no problem getting a contract, I'm a student, with presumably a crap credit rating (never used my credit card, or paid for anything w/credit) and living at a student address - I thought they'll give out contracts to anyone and everyone?

Great taste! :D

I love my K750i. Takes fantastic photos with its 2MB camera, stores up to 1650 photos and uses a memory stick pro so you can upgrade the memory if you need to. Has an mp3 player, FM radio and other bits and bobs.

You forgot to mention it can do 2hrs of video with a 128mb stick, can send and recieve Email, has full multi media and direct internet access, has bluetooth and infrared and a searchlite if you are taking piccys in the dark....:D :D :D

You forgot to mention it can do 2hrs of video with a 128mb stick, can send and recieve Email, has full multi media and direct internet access, has bluetooth and infrared and a searchlite if you are taking piccys in the dark....:D :D :D

Well I'm a girl I don't look at all the technical bits...... :D

(I got one over on Orange - I only pay £12.50/month for my contract and got my upgrade to K750i for free)

Well I'm a girl I don't look at all the technical bits...... :D


I bet you say that to all the boys.... :D

[QUOTE=rocketpig]Previous tenants at her address can not effect her credit rating, addresses getting black listed is a myth


I do have to differ with you on this one,When i first moved into my first house years ago i tried to get a tumble dryer on credit...they refused me bluntly...I asked why ? as id never had any credit,paid any bills late etc,
The lady in Curries at the time gave me an address in London to write to asking why...EQUIFAX i think the name was,
I paid £2 and off i wrote...
They replied back to me with ccj's from the previous tennant..and thats what had put my address on the blacklist...I had to then write to somewhere else in London to get my address cleared...and off the blacklist..

i am not going on 3 as i have heard so much about how rubbish they are etc. and my fiance's mum is having ALOT of problems with them, i am on Orange now and so is my fiance so i would like to stay on Orange.... :)
Shame you feel that way.
Me and the old ball n chain have 3 and have never (ever) had such a great signal everywhere we go at such a cheap rate as on 3.
3 did have issues at the start, but now they piggy back on other networks signals (T-Mobile and O2) and with their own masts in places too they get superb coverage.

My contract is £30 a month but with the deal I got through www.justphonedeals.co.uk it works out to just 99p per month line rental (cash back offer) for 10 of those 12 months. So I'm happy as larry.

I personally think that Orange are also a great company so I wouldn't knock em, but if you think 3 are terrible... it's probably because you've never used them. And I don't recommend any company lightly.

How can you get a credit card with no credit rating? They've not let me have one for years! Seriously - advice would be great!!
The first thing to do is to find out what the credit reference agencies know about you. There are three that you need to write to:

Experian, Equifax and Call Credit.

You'll find them all on Google. What you are looking for is a "statutory credit report" under section 7 of the Data Protection Act which will cost you £2. Ignore the nonsense about credit watching schemes and identity theft protection that incur a monthly payment. They hide the statutory report well but you are entitled to it by law. You can download an application form from their sites and send it back with a cheque for £2.

Then carefully check the information you get back. If you are being wrongly linked with someone, an address or any of the information is incorrect you can apply to have it corrected or a note applied to your account.

There is no blacklist, different companies assess credit history in different ways and you may find that while one turns you down another will be happy to have you as a customer.

Finally, search Google Groups such as uk.legal and uk.finance for threads on this topic, much interesting information to be had.

Good luck :hihi:

...Experian, Equifax and Call Credit...Good luck :hihi:

Thank you! That's very useful info. 8)