Welcome to Activities Phones
A nice new shiny mobile phone! One of life’s simple pleasures is acquiring a brand new handset, thanks to the ability to take out a contract with the phone of your dreams attached to it. No longer do you have to find a boatful of pounds to secure the phone of your dreams… a contract is the way to go.
Unless you suffer from bad credit. Then that shiny new handset is simply out of your reach and to get it is going to take hundreds and hundreds of pounds, something you don’t have and certainly not something you can save towards in a month or two. By the time you have managed to get the money together, there will be some new model that will cost even more.
Yet there is hope and you certainly shouldn’t give up on owning the mobile phone you desperately crave! That hope comes in the form of a bad credit mobile phone contract!
The reality of financial life in the United Kingdom
Unfortunately, over the past decade, the general population of the United Kingdom have struggled financially. Let’s not try to candy coat this. It simply is a fact of life. From the global economic meltdown of 2008 to the latest Brexit vote, financially, times are tough and they are set to become even harder.
So what does that mean? Well, for the most part, people have not been able to keep up with their credit payments and it is easy to see why. When faced with the choice of putting food on the table or paying for loans that you have taken out… your family will win every time.
This has led to a large percentage of the population suffering with bad credit problems and negative credit ratings. But what does this mean? Well, in a nutshell, if someone with bad credit ratings wants to take out a credit product of any sort, they will just be turned down. This pertains to loans, mortgages, vehicle contracts and even mobile phone contracts.
Yes, even something as simple as a mobile phone contract will not be given to anyone with bad credit ratings.
Bad credit mobile phone contracts – How do they work?
Bad credit mobile phone contracts are aimed at those individuals suffering from bad credit ratings. That said, anyone can take out one of these contracts as long as they are a citizen of the United Kingdom and over the age of 18 years old.
But how do they work?
Well, to be honest, nothing could be simpler. If you suffer from a bad credit rating, have been blacklisted or even if you have once been declared bankrupt, you are still eligible for a bad credit mobile phone contract. These contracts simply do not care about your financial history at all. By law, a credit check must be run when you apply for such contract but it will have no bearing on the outcome unlike other regular credit products offered by banks and other high-street financial institutions.
To get one, simply apply online, email us for application forms or come into our offices. Nothing could be simpler really.
It goes without saying that we will need a couple of documents from you to process your application. These include your identity document (your driver’s licence or passport will work as well), proof of address (either a letter from your landlord if you rent, a letter from your bank if you own the property or a utility bill), three months’ worth of pay slips (generally the latest ones you have) and finally, bank statements for the last six months.
With the information we garner from these documents, we are able to offer you a range of bad credit mobile phone contracts and the handsets attached to them. Most importantly, we will always provide you with a contract that is cost effective to your current circumstances. I am sure you will agree, there is no point in providing you with a bad credit mobile phone contract that you are going to struggle to pay each month and eventually default on, is there?
What phones can you expect?
Let’s just start off by saying that the latest Apple iPhone 7 or Samsung Galaxy S7, while available, is out of reach for about 95% of those who apply for a bad credit mobile phone contract. To have a contract with one of these handsets attached means we will deem that you are able to pay the contract each month and that you will pay a sizeable refundable deposit to secure the handset (often at around 75% of what the handset costs if you bought it cash).
That said, most people are more than happy with the other handset options we have on offer. These include a range of older refurbished smartphones from Apple and Samsung such as the iPhone 6 as well as the Samsung Galaxy 6.
We are often asked the phones that we recommend. In most cases, we put forward the range of budget smartphones that have made their way into the United Kingdom over the past year. These phones are capable of all the things a flagship smartphone is capable of but at a fraction of the cost. They can email from multiple accounts, run social network apps, play games, send texts and instant messages, in fact, you name it and they can do it. Perhaps their only drawback (and this is something minor) is that their hardware is not as good as the hardware in a flagship phone. This means they are slightly slower and do not have as good of a display for example, certainly not a deal breaker.
Bad credit mobile phones are the perfect option for those looking for a mobile phone contract but suffer from a bad credit rating. Get more info here if you would like to know more about these contract options.