Started a new contract and had to pay extra...

[Anonymous]

I first started my new contract for my iPhone 4s in September, but because I had no credit rating, I had to pay an extra £170. It said on the site that I would get this money back after three months.

So I was wondering:

1. Do I get it back this month, as it's my third month with this contract? I have been billed, but don't have to pay till the 17th.

2. How will I get the money? Will it automatically pay for my future bills, or does it go backto my bank account?

[adamtemp64 · Accepted solution]

It will be credited to your account to pay for bills unless you actually request it as a refund

just call 202 to arrange a refund

It may not be until december bill unless shown this month from the support pages

"When you join O2, we might do a credit check. Depending on the results of the check, we might ask for a deposit as security. We'll give your deposit back after you've paid three months bills on time."

[Liquid]

I believe it normally is put into your future bills. I imagine you can request for it to be paid into your bank account. (7-14day wait.

I believe it's after the 3rd month so 4th bill you'll get the money.(how my first contract worked)


Having no credit rating is a sod isn't it:(

[Anonymous]

Ok, thank you so much

[Anonymous]

I was very nearly in this position myself in that I have no loans, only one credit card in good standing and no active mortgage (it is paid off).

The credit check computer does not really have any up to date information about me other than the fact that I was a good risk while I was paying the mortgage.

It is good to know that if you are asked for a deposit that you have options on how it is returned to you and think about it this way... once you have paid your phone bill regularly, that in itself is a plus mark on your record for the future.

[Liquid]

Hmm very true. However I'm in the unfortunate position where my credit rating has been skewed by O2 accidentally:( still waiting upon reply of my email to their credit department.

Unfortunately my age and perfect credit rating means that a single black mark on it puts me under. I cannot get a loan for a new business premises because of it:(

[jonsie]

Hope you get it sorted soon Liquid. You need to chase them up when you get back.

[Liquid]

O I will they've had over a week to respond:(

I'm back just trying to recover a bit haha:(

[jonsie]

Drying out....?

[perksie]

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@Liquid wrote:
O I will they've had over a week to respond:(

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I think a week is a little optimistic, this is O2 remember.:smileyhappy: