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    <title>topic O2 Refresh/ Phone Plan in Pay Monthly</title>
    <link>https://community.o2.co.uk/t5/Pay-Monthly/O2-Refresh-Phone-Plan/m-p/536042#M52685</link>
    <description>&lt;P&gt;The below terms confuse me &amp;nbsp;- these terms are for iPhone 5S, Airtime: £17, Phone Plan, £15 and £169.99 upfront. So that means for phone I would be only paying £530, but it says phone price is £600.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;And do I own the phone now or when paying the credit amount (360)?&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;And what does "600 Phone Cash Price" mean? Will I have to pay more than 530 to own the phone? Am I getting £70 discount?&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;&amp;nbsp;&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;24 months&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; Duration of agreement&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;£600.00&amp;nbsp; Phone cash price&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;£169.99&amp;nbsp; Upfront cost&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;£360.00&amp;nbsp; Credit amount&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;0%&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; Interest rate (fixed)&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;0%&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; Representative APR&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;£15.00&amp;nbsp;&amp;nbsp;&amp;nbsp; Monthly phone payment&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;£529.99&amp;nbsp; Phone amount payable&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;£17.00&amp;nbsp;&amp;nbsp;&amp;nbsp; Monthly airtime payment&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
    <pubDate>Wed, 25 Sep 2013 14:28:07 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2013-09-25T14:28:07Z</dc:date>
    <item>
      <title>O2 Refresh/ Phone Plan</title>
      <link>https://community.o2.co.uk/t5/Pay-Monthly/O2-Refresh-Phone-Plan/m-p/536042#M52685</link>
      <description>&lt;P&gt;The below terms confuse me &amp;nbsp;- these terms are for iPhone 5S, Airtime: £17, Phone Plan, £15 and £169.99 upfront. So that means for phone I would be only paying £530, but it says phone price is £600.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;And do I own the phone now or when paying the credit amount (360)?&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;And what does "600 Phone Cash Price" mean? Will I have to pay more than 530 to own the phone? Am I getting £70 discount?&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;&amp;nbsp;&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;24 months&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; Duration of agreement&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;£600.00&amp;nbsp; Phone cash price&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;£169.99&amp;nbsp; Upfront cost&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;£360.00&amp;nbsp; Credit amount&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;0%&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; Interest rate (fixed)&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;0%&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; Representative APR&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;£15.00&amp;nbsp;&amp;nbsp;&amp;nbsp; Monthly phone payment&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;£529.99&amp;nbsp; Phone amount payable&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;£17.00&amp;nbsp;&amp;nbsp;&amp;nbsp; Monthly airtime payment&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Wed, 25 Sep 2013 14:28:07 GMT</pubDate>
      <guid>https://community.o2.co.uk/t5/Pay-Monthly/O2-Refresh-Phone-Plan/m-p/536042#M52685</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2013-09-25T14:28:07Z</dc:date>
    </item>
    <item>
      <title>Re: O2 Refresh/ Phone Plan</title>
      <link>https://community.o2.co.uk/t5/Pay-Monthly/O2-Refresh-Phone-Plan/m-p/536058#M52686</link>
      <description>&lt;P&gt;You do not own the phone until you pay the phone credit agrement in full.&lt;/P&gt;&lt;P&gt;As for the discount looks that way from the example but it may be wrong.&lt;/P&gt;</description>
      <pubDate>Wed, 25 Sep 2013 14:55:28 GMT</pubDate>
      <guid>https://community.o2.co.uk/t5/Pay-Monthly/O2-Refresh-Phone-Plan/m-p/536058#M52686</guid>
      <dc:creator>adamtemp64</dc:creator>
      <dc:date>2013-09-25T14:55:28Z</dc:date>
    </item>
    <item>
      <title>Re: O2 Refresh/ Phone Plan</title>
      <link>https://community.o2.co.uk/t5/Pay-Monthly/O2-Refresh-Phone-Plan/m-p/536160#M52690</link>
      <description>&lt;P&gt;Hi&amp;nbsp;&lt;SPAN&gt;&lt;A target="_self" href="https://community.o2.co.uk/t5/user/viewprofilepage/user-id/817312"&gt;Antariiksh&lt;/A&gt;&amp;nbsp;and Welcome to the Community Forum,&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&lt;SPAN&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&lt;SPAN&gt;The different tariffs can be confusing and its natural to worry that your choosing the right one.&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&lt;SPAN&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&lt;SPAN&gt;If your still a little undecided then perhaps phone o2 Customer Services and they will talk you through it all in layman terms.&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&lt;SPAN&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;From your O2 mobile 202 Free&lt;/P&gt;&lt;P&gt;From a landline 0844 809 0202 &amp;nbsp; - 5p / min&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Take care.&lt;/P&gt;&lt;P&gt;&lt;SPAN&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;/P&gt;</description>
      <pubDate>Wed, 25 Sep 2013 17:37:16 GMT</pubDate>
      <guid>https://community.o2.co.uk/t5/Pay-Monthly/O2-Refresh-Phone-Plan/m-p/536160#M52690</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2013-09-25T17:37:16Z</dc:date>
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