Leaving but still having to pay for a service I don't want/use?

[Dazz1]

I'm only 4 months into a pay monthly SIM, I don't use it and therefore will cancel it before 29/3/18, I rang 02 and enquired about it, they want £112...rip off merchant services. I'm not paying that so any ideas what I can do if any? 

[Cleoriff · Accepted solution]

Hi @Dazz1 If you are cancelling before the full contract term you have to pay what you owe here

https://community.o2.co.uk/t5/How-to-Guides/Cancelling-Your-Contract-A-Guide/ba-p/566774#M56526

[MI5]

You pay what you owe or O2 will sell your debt on and you will be hounded by debt collection agencies for the money. They will also black mark your credit file so getting any other loans, contracts or mortgages will be impossible.
You agreed to a minimum term when you took the contract so you must honour it I'm afraid.

[Dazz1]

Yeah I read that first.

[jonsie]

Defaults stay on your credit file for 6 years so no chance of future credit or a mortgage. Or another phone contract with anyone.

[Dazz1]

I'm not worried about debt collection agencies etc, I don't want the SIM card and refuse to pay 8 more months on something I'm not even using, I'll do an expenditure form and they can have £1 a month for being con artists. Nobody with half a brain would pay for a service they no longer can use, Virgin Media mark 2.

[MI5]

Your choice and good luck.

[Dazz1]

It's a sim card, not a phone so I'll not be paying them much, as long as they receive a £1 a month there's nothing they can do unless I refuse to pay. End of.

[Cleoriff]

Entirely your choice @Dazz1.You asked our advice. Sorry it wasn't what you wanted to hear..

[jonsie]

Point taken. Carry on....