www.iva.co.uk

Hi all,

I have just completed a 5 year IVA but awaiting my completion certificate. Once I have received this I will be looking for a new mobile phone (I am too embarrassed to even get my current one out of my handbag when there are people I know around [^])

Does anyone on here know of any Companies which will do mobile phone contracts with credit rating shattered to bits? If I am able to get a contract hopefully this will start to improve my credit rating.

If you go into one of the big Orange/Vodafone etc shops, they rarely do a credit search as they are too worried about getting their sales bonuses!!

I think T mobile are ok.

All mobile phone shops will credit check you I am afraid. Give it a year for the IVA to drop off your credit file and you stand a better chance.

You could always try the company you have your phone with just now,if you have a payment history with them maybe they will be happy to give you a contract.

Paul

You might be ok with T Mobile as my friend got a contract with them even though her BR was still showing on her credit file.

Thanks for your quick replies. I might try T mobile if they say no then they say no. It will not be a great loss. I'll then stick with pay as you go and treat myself to a new mobile with my first IVA free pay next month. That's if I have my certificate of completion before then. Will let you all know how I get on with T mobile first though.

Thanks again x

Good luck x

We managed to get my husband a new contract with 3 two months ago and we have just finished the IVA - it still shows up - apprently they check to see if you are on electoral role - they also said they have the option to override in some cirucmstances - it is worth it !

I tried vodafone after my IVA was complete and got a no on a sim only 30 day cancellation contract. I thought they may ask for a deposit but just got an out and out no. Personally I'd wait to save the embarrassment in store or do it online.

Vodaphone aren't known for being IVA friendly - I think O2 are a no-no as well unless you are already on a contract with them when there is no problem renewing.

I think Vodafone are only ok if you are already with them. I've been with them for years and haven't had any problems - I upgraded when I was in my IVA and also when I was BR.

I have asked my friend who works for vodafone and it seems they do very little checks on anyone as there desperate to get anyone as the market is so cut throat at the mo!!.

Im with vodafone and i even had them included in my IVA 4 years ago!!

If you are nervous about being embarrassed by failing a credit check in store then you can always apply for a contract phone online. If you are rejected you would be informed by post, similar to a credit card or loan! No embarrassment necessary

Thanks all. If I applied today online would that be a breach of my IVA because I haven't received my completion certificate yet ?? I really don't want any credit searches showing up just in case x

You can try and apply online, if you get refused it will show up on your record.