If you pay in full then there shouldn't be a problem as you are not asking for credit so they won't check you even if you use a comparison site. Some companies will just check for address details but nothing else.
We were with kwik fit in 2011 before we went into the iva and when the renewal came though the premium went up from £300 to £800 if we continued paying monthly so we changed to lv but had to pay upfront in feb last year, just waiting for the renewal to come through and hoping lv will let us pay monthly this year, if not I have managed to get a quote for £300 so will just change
I have used comparison sites and obv filled all my details in, all the quotes i viewed (cheapest) offered both monthly and annual prices, I was able to pay in full so don't know if i would have been denied monthly option after? I switched house ins recently and co-op let me pay monthly, think you just have to give it a go?
Lem I was with kwik fit and renewal went up I rang to cancel as co-op were miles cheaper, kwik fit matched the price in 2 mins! I changed on principle!
Have to say insurance is one of my bugbears!!!! Every year car ins goes up £50 I use compare etc get a cheaper quote, sometimes with the company I am already with! i ring and they drop the price! such a rip off!and a waste of our time!
I got a tmobile contract on an iphone5 whilst still in my iva , no probs at all and I know I've read posts from others saying the same.
Granted Orange / Tmobile are part of EE now but I've found Tmobile to be great for the 4 months I've been with them. My only gripe would be occasionally it can take them 15 mins to answer the phone and the call centre in the Philippines is like talking to computers that don't take a breath and speak at 100 miles an hour !! That said I didn't have the luxury not pick and choose which mob company I went with , so chose tmobile after recommendations here on this superb forum......
Last payment made April 2012
Certificate received 1st Nov 2012
I think, when you threaten to leave, in the hopes of getting a better deal, you should be prepared to follow through and just look on it as a bonus if you do get offered a incentive to stay!
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
I have upgraded my mobile with vodafone twice whilst being in my IVA and got slightly reduced deals with them each time, I haven`t bothered trying to change networks as I expect I would be declined.
"When the seagulls follow the trawler, it is because they think sardines will be thrown into the sea".
I've stuck with the same mobile company (Vodafone) since before my BR - I didn't want to rock the boat by trying to change.
We threatened to leave Sky and got a new 2TB box reduced to £99 providing we took out multi room for 12 months, but we got that free of charge as well.
I have to say Sky have been pretty good - we had problems with our phone line during the flooding. It was sorted in a couple of days but they gave us 2 weeks credit without having to ask.
