An IVA may not be suitable in all circumstances.

Fees apply to the service, click here for more details. Your credit rating may be affected. Read more about IVAs here.

Get your life back

Mobile Phone Debt Help

If struggling to pay bills from previous phone providers, we can help you resolve these through a debt solution. Not only that, but we can help you pay your other creditors as well. To apply and see how we can help you, click the button below:

2022 Feefo Trusted Service Award.
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Mobile phones are sometimes treated as a luxury but we know differently. We know these devices are an essential lifeline. According to Citizens Advice, 40% of people prefer to use their phones for accessing the internet. Moreover, those in low-income households are four times more likely than others to use a mobile as their only form of telecommunication.

Therefore, having a phone disconnection due to non-payment is more than an annoyance. Arguably, it can be completely isolating.

What happens if you don’t pay your phone contract?

A mobile phone bill is treated as a priority debt. This means the consequences of non-repayment are stricter for other lesser debts. For example, credit cards. This means, should your account fall into arrears, it’s best to pay the debt as soon as possible.

If you don’t pay your phone contract, the provider will usually contact you to secure payment. If this isn’t possible, they generally disconnect the mobile and start legal proceedings to get the bill resolved.

When will a debt collection agency get involved?

It’s common for a debt collection agency to get involved quickly when it comes to phone bill debts. Fortunately, bailiffs won’t appear immediately without notice and you’ll receive a warning before they’re due to arrive.

Alternatively, it’s also common for mobile phone companies to seek repayment through actions such as a county court judgement. In extreme cases, they might also apply to make you bankrupt.

My phone bill is too expensive – What can I do?

When agreeing a phone contract, there are several aspects which you might not have considered at the time. From premium rate services to abroad charges, this might have led to bills which you just weren’t expecting.

Fortunately, you might be able to reduce the cost of your bill by:

Contacting your provider

By contacting your phone provider, you may be able to negotiate a change in payments. Potentially, you could make smaller repayments in exchange for lengthening the contract.

If necessary, switching your provider

If your current contract is coming to an end, but was too expensive, you might be able to switch to a competitor in exchange for a reduced rate.

Putting a cap on your allowances

You can speak to your phone provider and request they implement a cap on your phone, text, and mobile data downloads. This ensures you won’t go over your usage limits and won’t lead to any surprises next time your bill is due.

What happens when I cancel a phone contract?

If you want to cancel your phone contract, you’ll usually be asked to repay the outstanding balance in full. There may also be cancellation fees associated with this. Therefore, for many people struggling with mobile phone debt, cancelling an expensive contract isn’t a viable option.

Here to help with your phone debt

If you’re struggling to repay previous phone providers, then we’re available to help you get on top of this situation. Many of our clients come to us with a disconnected phone service or accounts in arrears and we’ve helped them back on the path to debt freedom.

Click the apply button below and complete the application form (it takes less than one minute) we could use this to identify a possible debt solution at no cost to you.

Get in touch today, you really have nothing to lose!

Apply now
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Why people choose us

Get your life back.
  • 15+ years’ experience across our companies in dealing with debt.
  • Helped 20,601* people start their journey towards financial freedom.
  • On average, we help to write off £10,600** per client.
  • 100 staff members are here and ready to support you.
  • Rated 4.9 out of 5*** on Feefo.

* As of 10/02/22 20,601 of our customers were in an active IVA. ** Average unsecured debt anticipated to be written off for IVAs approved between 1 January 2021 and 31 December 2021 for FSS customers is £10,645.20, based upon successful completion. *** Based on independent verified reviews from Feefo.

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Mobile Phone Debt FAQs

A phone bill is classed as a utility bill as it’s part of services for running a household.

If you can’t pay your phone bill, and you won’t have any money to do so for the foreseeable future, you should get in touch with us as soon as possible. This is a sign you may need debt help and we’ll be happy to discuss your circumstances.

Fortunately, you cannot go to prison for not paying a phone bill. However, you may still face serious consequences – such as having your mobile disconnected or debt collectors confiscating your assets.

Find a debt solution