My Contract Mobile Fone is Overdrafting My Current Account. – James

“Dear Steve,

i live in the UK 6 months ago while i was working i took out a contract fone for £35 a month. recently i am out of work and cant pay this every month and it goes to a overdraft so on top i am getting £25 overdraft fees. i am looking for work i dont know how long it would be before i can pay the debt back and the debt would also have grown to a couple hundred probably. please any advice?


Dear James,

First, I would contact your bank and ask them to stop the standing order or debt authorisation from the phone company. I am assuming this is not a pay as you go phone but you have a contract on this for a period of time. How long is the contract for?

Have to tried to ask the mobile company if you can lower your plan or suspend your account while you are out of work?

Let’s stop the overdraft fees and then come back and update me in the comments with what the phone company said and the length of the contract.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Damon Day - Pro Debt Coach

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1 thought on “My Contract Mobile Fone is Overdrafting My Current Account. – James”

  1. hi just me commenting back firstly the contract length on the whole is 18 months so im jus over a third of the way through. im not to sure about stoppong the standing order and not allowing the phone company to take my next bill because i dont know what they will do legally? also thank you 4 the extremely quick reply


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