ED
Elaine D
1 reviews | Active since Feb 2012
07 Sept 2021, 08:00
PATHETIC SERVICE
My phone is due for upgrade and I have been a customer for about 10 years with Cell C. Upgrade every 2 years and my bill is paid religiously. Never ever missed a payment. Now you guys do a credit check for an upgrade and I get declined. Like WTH!!! I can understand if my payments have been inconsistent. So you guys would rather lose a loyal paying customer than upgrade my phone. DISGUSTING!!
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Replies (3)ED
Elaine D's updateReviewer Update
07 Sept 2021, 09:28The reason I was declined because now you do credit checks for upgrades. I have a debt review that's reflecting on my profile but am not under debt review...Since when a credit check is done on an upgrade...PLEASE TELL ME IF MY ACCOUNT WAS DEFAUL
TED EVER!
TED EVER!
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Elaine D's update07 Sept 2021, 09:28
Reviewer Update
The reason I was declined because now you do credit checks for upgrades. I have a debt review that's reflecting on my profile but am not under debt review...Since when a credit check is done on an upgrade...PLEASE TELL ME IF MY ACCOUNT WAS DEFAUL
TED EVER!
TED EVER!
ED
Elaine D's updateReviewer Update
07 Sept 2021, 10:52But my phone was upgraded in 2019 and this debt review was on my name since 2017. So what's the difference there
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Elaine D's update07 Sept 2021, 10:52
Reviewer Update
But my phone was upgraded in 2019 and this debt review was on my name since 2017. So what's the difference there
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Elaine D's updateReviewer Update
08 Sept 2021, 15:58 I await a response!!!
Benay Sager, chief operating officer at DebtBusters, responds: A cellphone contract is considered to be a service agreement - not a credit agreement. As a result, it is generally not part of the debt counselling (or debt review) process (unless the consumer is in arrears with their cellphone contract, in which case the cellphone contract could become part of the process). In this case, given that the consumer is still enjoying a cellphone contract, they are probably not in arrears, and therefore the cellphone contract is being paid by the consumer outside of the debt counselling process.We further assume that the cellphone contract the consumer is paying towards is budgeted for as part of the debt counselling process, and that their new upgrade will not cost significantly more than what they were paying previously. If so, our view is that since this is merely an upgrade, the consumer should have no problems in trying to upgrade/update their cellphone contract.On the other hand, if the consumer will pay significantly more towards the upgraded plan, then they would need to discuss this with their debt counsellor to make sure their budget caters for this additional amount. The cellphone provider may conduct a credit check and would potentially become aware that the consumer is under debt counselling – however, since there is already a contract in place, this should not become an issue with the consumer. From time to time, we come across consumers who want to rent a new apartment while under debt counselling – a similar situation to cellphone contract.In those cases, the debt counsellor could provide the consumer a letter confirming that they are under debt counselling and are maintaining regular payments. So, for any avoidance of doubt, we would advise the consumer to take along such a letter when trying to upgrade their cellphone contract.
Benay Sager, chief operating officer at DebtBusters, responds: A cellphone contract is considered to be a service agreement - not a credit agreement. As a result, it is generally not part of the debt counselling (or debt review) process (unless the consumer is in arrears with their cellphone contract, in which case the cellphone contract could become part of the process). In this case, given that the consumer is still enjoying a cellphone contract, they are probably not in arrears, and therefore the cellphone contract is being paid by the consumer outside of the debt counselling process.We further assume that the cellphone contract the consumer is paying towards is budgeted for as part of the debt counselling process, and that their new upgrade will not cost significantly more than what they were paying previously. If so, our view is that since this is merely an upgrade, the consumer should have no problems in trying to upgrade/update their cellphone contract.On the other hand, if the consumer will pay significantly more towards the upgraded plan, then they would need to discuss this with their debt counsellor to make sure their budget caters for this additional amount. The cellphone provider may conduct a credit check and would potentially become aware that the consumer is under debt counselling – however, since there is already a contract in place, this should not become an issue with the consumer. From time to time, we come across consumers who want to rent a new apartment while under debt counselling – a similar situation to cellphone contract.In those cases, the debt counsellor could provide the consumer a letter confirming that they are under debt counselling and are maintaining regular payments. So, for any avoidance of doubt, we would advise the consumer to take along such a letter when trying to upgrade their cellphone contract.
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Elaine D's update08 Sept 2021, 15:58
Reviewer Update
I await a response!!!
Benay Sager, chief operating officer at DebtBusters, responds: A cellphone contract is considered to be a service agreement - not a credit agreement. As a result, it is generally not part of the debt counselling (or debt review) process (unless the consumer is in arrears with their cellphone contract, in which case the cellphone contract could become part of the process). In this case, given that the consumer is still enjoying a cellphone contract, they are probably not in arrears, and therefore the cellphone contract is being paid by the consumer outside of the debt counselling process.We further assume that the cellphone contract the consumer is paying towards is budgeted for as part of the debt counselling process, and that their new upgrade will not cost significantly more than what they were paying previously. If so, our view is that since this is merely an upgrade, the consumer should have no problems in trying to upgrade/update their cellphone contract.On the other hand, if the consumer will pay significantly more towards the upgraded plan, then they would need to discuss this with their debt counsellor to make sure their budget caters for this additional amount. The cellphone provider may conduct a credit check and would potentially become aware that the consumer is under debt counselling – however, since there is already a contract in place, this should not become an issue with the consumer. From time to time, we come across consumers who want to rent a new apartment while under debt counselling – a similar situation to cellphone contract.In those cases, the debt counsellor could provide the consumer a letter confirming that they are under debt counselling and are maintaining regular payments. So, for any avoidance of doubt, we would advise the consumer to take along such a letter when trying to upgrade their cellphone contract.
Benay Sager, chief operating officer at DebtBusters, responds: A cellphone contract is considered to be a service agreement - not a credit agreement. As a result, it is generally not part of the debt counselling (or debt review) process (unless the consumer is in arrears with their cellphone contract, in which case the cellphone contract could become part of the process). In this case, given that the consumer is still enjoying a cellphone contract, they are probably not in arrears, and therefore the cellphone contract is being paid by the consumer outside of the debt counselling process.We further assume that the cellphone contract the consumer is paying towards is budgeted for as part of the debt counselling process, and that their new upgrade will not cost significantly more than what they were paying previously. If so, our view is that since this is merely an upgrade, the consumer should have no problems in trying to upgrade/update their cellphone contract.On the other hand, if the consumer will pay significantly more towards the upgraded plan, then they would need to discuss this with their debt counsellor to make sure their budget caters for this additional amount. The cellphone provider may conduct a credit check and would potentially become aware that the consumer is under debt counselling – however, since there is already a contract in place, this should not become an issue with the consumer. From time to time, we come across consumers who want to rent a new apartment while under debt counselling – a similar situation to cellphone contract.In those cases, the debt counsellor could provide the consumer a letter confirming that they are under debt counselling and are maintaining regular payments. So, for any avoidance of doubt, we would advise the consumer to take along such a letter when trying to upgrade their cellphone contract.