If you are struggling to pay phone bills, there are a few ways that you can find help. It’s vital to consider the importance of mobile phones in our lives. Having one can be a lifeline and is essential to many other services.
Therefore, you should try to maintain at the very least, your landline connection and mobile phone if possible.
For solutions, first of all, you should contact your network provider. They may be able to help you by moving you onto a cheaper tariff or setting up a payment plan that will spread the cost over a longer period of time.
You also want to try contacting a debt advice charity such as StepChange, National Debtline, Debt Advice or Citizens Advice. Plus, there are also other solutions we discuss in this post, today.
By following these steps, you can find relief from mounting debt. After all, it is much better than going without your phone altogether!
Struggling To Pay Phone Bill Solutions: Talking to Your Provider
When you contact your provider for free debt advice, you can agree with them to help you set up a monthly payment plan or negotiate a settlement. If you fail to make any progress, your provider may pass your debt on to a debt collection agency. While a debt collection agency has no more power than your mobile phone provider, they do have the right to contact you and demand instalments until you make the payment.
If you find it difficult to pay your mobile phone bill in the UK, you should talk to your provider to find out what your options are. While they aren’t obliged to help you, they should be more than willing to discuss your options. For example, if your provider has a policy that penalises you for non-payment, you may be able to negotiate an alternative payment method with them.
However, you need to act quickly to avoid further damage to your credit rating. Many mobile phone contracts are for 12-24 months, and the unexpected costs that arise will soon add up and make your monthly payments unaffordable.
Struggling To Pay Phone Bill Solutions: Debt Charities in the UK
There are many debt charities available in the UK, and choosing the right one can improve your finances. However, choosing the wrong solution can cause more problems than it’s worth. Fortunately, there are many free debt solutions available, and you can also benefit from the advice of a charity.
It may be worth getting professional help if you don’t feel confident about your finances.
Call a debt charity to discuss your options. Many charities will arrange a debt solution for you based on your specific financial circumstances. Again charities such as debt advice charity such as StepChange, National Debtline, Debt Advice or Citizens Advice. are a big help in this area.
The charity may also be able to write off some or all of your debt if you’re willing to work out a monthly budget. These services keep all communications confidential, and it’s best to call after you’ve worked out a monthly budget. It will help them assess your finances and decide on the best solution for you.
Struggling To Pay Phone Bill Solutions: Setup Repayment Plan
If you are having trouble paying your mobile phone bill and other utilities such as gas and electric, a repayment plan may be the perfect solution. In many cases, this plan will allow you to pay off your bill in instalments over a longer period of time.
Depending on your contract, you can even cancel early and still save money. However, remember that you will still have to make payments on the rest of your contract. Therefore, you should only opt for a repayment plan if you can afford it.
Struggling To Pay Phone Bill Solutions: Arrears on Contract
Having arrears on your mobile phone contract can be a problem, and if you don’t pay your bills on time, you may end up in arrears. This could mean you lose your mobile phone, or even get chased by debt collectors. Your phone provider may even take you to court to get a County Court Judgement (CCJ), which requires you to pay the debt or face getting your services cut off.
Arrears on mobile phone contracts can affect your credit rating. Even though mobile phone contracts aren’t regulated by the Consumer Credit Act, your mobile provider is allowed to report your account to the Credit Reference Agencies (CRAs) if you’re late paying. This will be visible to other organisations and affect your credit rating. Fortunately, there are many ways to make sure you don’t fall into arrears.
Firstly, speak to your mobile phone provider. Most will negotiate with you and work out a repayment plan that is affordable. Alternatively, they may write off part of your debt. Arrears on mobile phone contracts can also be negotiated through a debt collector.
Moreover, you may find that your monthly payment plan is too costly for your budget. Considering that most contracts are for 12 or 24 months, it’s essential that you review your contract to ensure that you’re not overpaying. If you find that your monthly payments are too high, you can always contact your network provider and try to negotiate changes to your contract. You may be able to exchange a shorter term for smaller payments or switch to a competitor.
Struggling To Pay Phone Bill Solutions: Switching to A Sustainable Provider
For some people, receiving a high mobile phone bill is a shock. If you’re having trouble making repayments, it may be best to move on to a cheaper tariff.
One thing about debt is that no one wants to have it! Hardly anyone deliberately plans for it or takes it on. Debt is mostly brought on because one’s (or someone close to you’s) financial circumstances have changed – suddenly or gradually.
And the change might be due to health challenges, a change in career, retirement, total job loss, or falling through the cracks like during the recent COVID pandemic – where some people didn’t qualify for the furlough program because they changed jobs just after the deadline decided by the government. Yet are still subject to pay the tax rises like those who got support!
Anyway, for most people – for whatever reason – being unable to afford to pay for their utilities and daily/ weekly/ monthly living expenses and falling into debt becomes a reality.
May we offer you a solution? What if you could have guaranteed the best rates for your phones and other utilities. PLUS a way to earn money which counts towards paying for your utilities and other expenses? We all pay utility bills anyway because we need the gas and the electric and broadband and everything else we have come to rely on, to make our world run smoothly daily.
Wouldn’t it be wonderful to also work with a sustainable utility provider and partner, which provides all these for you?
Well, now you can!
Now, you can finally enjoy your home without the constant stress of rising Utility Bills!!!
Every Single Pound That Goes Into – Or Stays In – Your Pocket CAN Be The Difference Between Make Or Break!
One option is to contact your network provider and request that they change your tariff or set up a payment plan, which will spread the cost of the debt over a certain period of time.
In some cases, it may even be possible to break your contract and switch providers. Before switching, however, make sure you read the terms and conditions of your contract to find out if you can break it.
1. Get debt advice. Debt organisations offer support to help people manage their finances, including the government’s breathing space scheme, which allows debtors to stop paying interest for six months. The National Debtline provides more information on the scheme.
2. Set up separate bank accounts for essential spending and savings. Once you have a separate bank account, you’ll be less likely to spend without proper thought.
3. The government has set up a support package to help people cope with rising energy costs. This includes a grant from Charis and advice on switching energy suppliers. There’s also help available from Ofgem and some councils.
4. Get advice from charities. The website Turn2us has tools to help people manage their bills. It also offers a grants search tool and adviser locator.
To find out how long your phone bill can go unpaid, read the policies and contact your phone network provider. In most cases, a missed payment won’t show on your credit report for up to 30 days. Also, you’ll be charged late fees before your balance is reported or sold to a collections agency.
