Hi kdog7.

There's nothing to stop you from applying. We've heard from people who have been successful in the past.

Good luck if you do.

Hi kdog7,

Of all the clients I've dealt with over the years not many have reported struggling to get a mobile phone contract.

It's one of those situations where the only way you will find out is by applying. If you are nervous about applying in person in a shop you could always apply online.

It would be useful if you could let us know how you get on.

Hi.
My phone had recently died and I applied online with EE and got a new contract.
I wasn't an existing EE customer and didn't have any problem.

I was too frightened to apply [:D]. I am just 11 months into PTD. Maybe leave it another month or so however I was looking at t-mobile so maybe have some luck.

Hi Indebt999,

It's good to hear you were successful in applying for a mobile phone.

This will give other people in a Trust Deed some hope that they can secure one also.

Kdog7, I would apply online to see how you get on. You might be surprised

Hi kdog7

I think the benefit is being able to apply online and see the result. AsDavid says above, it's not something I have came across as being a problem in trust deeds we have dealt with. Let us know how you get on.

Mark

I am in a Trust Deed into its 2nd year, mobile died, and thought you are not allowed to enter a credit agreement while in a Trust Deed as your expenditure would increase??

Welcome to the trust deed forum cuddlezuk.

There actually isn't a general rule that prevents you from entering into a new credit agreement during a trust deed.

In most cases this would be a pretty bad idea, but it's obviously different when it comes to something that almost everyone would agree is essential like a mobile phone.

Do you know how much allowance was initially made for you to cover mobile phone costs? Would this be enough to secure a replacement phone?

Hi there Cuddlezuk

That not technically true

In terms of Section 51(14) or 54 (4) of the Bankruptcy (Scotland) Act 2016:

You are unable to take out credit
a) of £2000 or more; or
(b) of any amount, where, at the time of obtaining credit, I have debts amounting to £1000 or more
without informing the person from whom I obtain it of the bankruptcy.

Arguably, this is a trust deed.

The idea behind this is to allow people to obtain insurance contracts as well as mobile phones.

A Trustee would generally not have an issue on the basis it doesn't affect the ability to continue to pay the agreed contribution.

Hope this helps.

p

At the start of my trust deed, my mobile was £44 and told to reduce it, so a year later I went on a sim only of £14, now it would be £38

Hi cuddlezuk,

Obviously it's a good idea to do some research into the most cost effective options.

If your new monthly spend is going to make your current trust deed payment unaffordable then you should contact your trustee to work out a sensible way forwards.

i would also look into credit searches being carried out as well.  Here is a strange bit  - my PTD has been discharged for over a year and a half.  well almost two years -  I was able to apply for phones during the trust deed and after it but last year i was knocked back.  which i dont get as i was getting them during and at the end of it as well.  ALSO my credit score had vastly improved and most of the default accounts had all came off and no longer on my score -  this was weird