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Are all networks as pushy when your late paying?


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Old 26-01-2013, 18:04
n1guy
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I am 20 months into a 24 month contract with Vodafone, always paid by direct debt so never late until now, I had an issue with the car which had to be paid so didn't have the funds until next week, I cancelled my DD which was due yesterday 25th, I got a text message yesterday saying they hadn't received payment etc and my services may be restricted, then today at 9am they phone looking to know when I will be paying, I mean it was only 25, and I was only 1 day late having never missed a payment before, He said he would put a note on the account that I would be paying next week but I thought they were a bit keen, I mean I could see through it if I was a week / 2 weeks late but 1 day and its never happened before,
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Old 26-01-2013, 18:10
legends wear 7
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Shock horror a company wants to find out why it's not been paid for its service on time
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Old 26-01-2013, 18:10
chenks
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so you didn't pay your bill, they contacted you to ask when you intend paying and somehow they are in the ones in the wrong?

cancelling your DD doesn't put you in the clear, in fact it made no difference at all to the situation.
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Old 26-01-2013, 18:16
Lidtop2013
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I can see the point your making but as said above, you were late paying at the end of the day.... whether it be 2minutes or 2 months, late is late
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Old 26-01-2013, 18:18
Darth-Habib
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I am 20 months into a 24 month contract with Vodafone, always paid by direct debt so never late until now, I had an issue with the car which had to be paid so didn't have the funds until next week, I cancelled my DD which was due yesterday 25th, I got a text message yesterday saying they hadn't received payment etc and my services may be restricted, then today at 9am they phone looking to know when I will be paying, I mean it was only 25, and I was only 1 day late having never missed a payment before, He said he would put a note on the account that I would be paying next week but I thought they were a bit keen, I mean I could see through it if I was a week / 2 weeks late but 1 day and its never happened before,
With a lot of the networks, they have automatic systems that generate emails/texts and restrict services if you haven't paid on time.

Last June, when the RBS systems went mammary glands up, my o2 direct debits goes out around the 20th..

As the DD appeared to have failed, by the 25th, o2 started automatically ringing me from their automated line asking me for payment there and then or my services might be restricted.

I had been with o2/Cellnet/BT Cellnet for nearly 16 years with no payments problems before.
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Old 26-01-2013, 21:52
acoolwelshbloke
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in fact it made no difference at all to the situation.
Yes it did, it saved the op adittional bank charges.
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Old 26-01-2013, 22:22
Thine Wonk
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Not if he'd called the bank and asked for a temporary overdraft. I think these things can damage your credit file if you miss payments on contracts, credit cards etc.

So it's best to always speak to your bank and get it authorised as an overdraft. If you are already heavily in overdrafts or cards then it's time to start saving so that if something does go wrong with a car or you have an unexpected bill it means you can still pay the money you owe to mobile networks for the month's service you've had etc.

No point moaning that people chase you for the money or cut of your service if you don't pay as per the agreement.
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Old 26-01-2013, 22:31
DevonBloke
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One thing any company doesn't like is the cancelation of a DD without notice. You should absolutely not do it. This is why they are getting shirty. It causes all manner of problems.
If you want to cancel a DD you should always do it by calling the company (in this case your network). You are perfectly within your rights to ask them to cancel it and say you want to pay by cheque, CC or whatever. You will normally have to then pay an extra 1.50 or so a month for not being on DD. but the point is, never cancel without telling them. It's like a kind of taboo
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Old 26-01-2013, 23:11
n1guy
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1.50 you say, try 5
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Old 27-01-2013, 01:23
Hugh_
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If you had an issue with your car why not just pay it from you savings account? If you're that poor you can't afford a 30 a month mobile phone bill then you probably should not have one on he first place. Although your mrs could be like mine....

In that if the savings account goes below 15'000 she gets all obsessed about it like he world is going to end lol.
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Old 27-01-2013, 01:26
Hugh_
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One thing any company doesn't like is the cancelation of a DD without notice. You should absolutely not do it. This is why they are getting shirty. It causes all manner of problems.
If you want to cancel a DD you should always do it by calling the company (in this case your network). You are perfectly within your rights to ask them to cancel it and say you want to pay by cheque, CC or whatever. You will normally have to then pay an extra 1.50 or so a month for not being on DD. but the point is, never cancel without telling them. It's like a kind of taboo


It does not cause any problems at all, they get an auto notice that its been returned and it flags up on he system for collections. SIMPLES.
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Old 27-01-2013, 07:34
prking
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Not if he'd called the bank and asked for a temporary overdraft. I think these things can damage your credit file if you miss payments on contracts, credit cards etc.

So it's best to always speak to your bank and get it authorised as an overdraft. If you are already heavily in overdrafts or cards then it's time to start saving so that if something does go wrong with a car or you have an unexpected bill it means you can still pay the money you owe to mobile networks for the month's service you've had etc.

No point moaning that people chase you for the money or cut of your service if you don't pay as per the agreement.
I agree, the OP knew that they weren't going to be able to pay the bill. Rather than trying to find a way to pay it or calling Vodafone to explain the circumstances they decided to cancel the DD.

n1guy, if someone was due to pay you some money and, without warning, they didn't pay AND cancelled the payment arrangement. Would you think "I'll ignore this for a couple of weeks to see what happens" or would you think "What's happening, I'm going to phone and complain"
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Old 27-01-2013, 21:02
mtaylor1811
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I know this may sound a bit hard but imagine if the boot was on the other foot and Vodafone (without telling you) suspended there network why they waited a week or so for a Swiss bank to lend them a few million to pay out to share holders! You and other customers would be foaming at the mouths, right?
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