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difficult child given credit...we are baffled
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<blockquote data-quote="susiestar" data-source="post: 252071" data-attributes="member: 1233"><p>I have a slightly differing viewpoint, and I do NOT mean to offend. </p><p></p><p>The issue here is that difficult child should not have gone in to apply for credit.</p><p></p><p>The store mgr and the phone co have no way of knowing if difficult child has mental health problems or doesn't understand credit, etc....They have NO way of learning about this. difficult child went in and got the phone and signed the contract. She KNEW she easily loses phones. She had to know there would be a bill attached with this. They explain this clearly in the contracts. You have to specifically agree to the amt of $ they charge every month (excluding fees and taxes). </p><p></p><p>OFTEN phone companies extend credit to young people with no credit as a way to help them establish credit. It is very common. If companies did not do this, how would a young adult ever establish credit? how would any of us.</p><p></p><p>I think difficult child needs to take some responsibility here. She signed the contract. She took the phone. She USED the phone. If she had never used the phone at all, then the contract maybe could have been voided. But she USED the phone. She knows it is a service you pay for. Every phone advertisement talks about X minutes for $Y per month. They say free phone, but they don't say free minutes. </p><p></p><p>If you REALLY and TRULY want to help difficult child you will help her establish a payment plan that is doable and then supervise her making the payments. Ideally she should work for the $$.</p><p></p><p>If she makes payment it should help her credit improve. It shows that she CAN and WILL make regular payments. If you do a lump sum payment it will settle the issue but not help her credit. This won't help her future. </p><p></p><p>It also won't teach her anything about responsibility. </p><p></p><p>Why should the phone company take a hit because your adult difficult child decided to walk in and sign up for a contract and then ignore it? Your difficult child did this willingly. </p><p></p><p>I do realize that some of the credit offers that young adults can get are crazy. And the phone co may bear some responsibility for not checking things out properly (or having a mgr more concerned with quotas than using reasonable guidelines) but it is not ALL the phone company's fault.</p><p></p><p>I am sorry your difficult child laid this in your lap. It is her responsiblity to cope with this, and maybe learn from it. I think guidance for her, and maybe work she can do for you or her dad to earn the $$ for payments is a good idea, but the responsibility for this contract should rest firmly with HER.</p></blockquote><p></p>
[QUOTE="susiestar, post: 252071, member: 1233"] I have a slightly differing viewpoint, and I do NOT mean to offend. The issue here is that difficult child should not have gone in to apply for credit. The store mgr and the phone co have no way of knowing if difficult child has mental health problems or doesn't understand credit, etc....They have NO way of learning about this. difficult child went in and got the phone and signed the contract. She KNEW she easily loses phones. She had to know there would be a bill attached with this. They explain this clearly in the contracts. You have to specifically agree to the amt of $ they charge every month (excluding fees and taxes). OFTEN phone companies extend credit to young people with no credit as a way to help them establish credit. It is very common. If companies did not do this, how would a young adult ever establish credit? how would any of us. I think difficult child needs to take some responsibility here. She signed the contract. She took the phone. She USED the phone. If she had never used the phone at all, then the contract maybe could have been voided. But she USED the phone. She knows it is a service you pay for. Every phone advertisement talks about X minutes for $Y per month. They say free phone, but they don't say free minutes. If you REALLY and TRULY want to help difficult child you will help her establish a payment plan that is doable and then supervise her making the payments. Ideally she should work for the $$. If she makes payment it should help her credit improve. It shows that she CAN and WILL make regular payments. If you do a lump sum payment it will settle the issue but not help her credit. This won't help her future. It also won't teach her anything about responsibility. Why should the phone company take a hit because your adult difficult child decided to walk in and sign up for a contract and then ignore it? Your difficult child did this willingly. I do realize that some of the credit offers that young adults can get are crazy. And the phone co may bear some responsibility for not checking things out properly (or having a mgr more concerned with quotas than using reasonable guidelines) but it is not ALL the phone company's fault. I am sorry your difficult child laid this in your lap. It is her responsiblity to cope with this, and maybe learn from it. I think guidance for her, and maybe work she can do for you or her dad to earn the $$ for payments is a good idea, but the responsibility for this contract should rest firmly with HER. [/QUOTE]
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difficult child given credit...we are baffled
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