www.iva.co.uk

Hi all

Just a quick one. I've spent the last 4 years buying second hand phones and they just keep breaking. I spend more money on them than if I had a contract. Looking at £39pm which is within my allowance but I can't seem to get accepted for a contract. Any advice?

You are probably failing the credit check and each 'fail' is looked on with suspicion by other providers, making matters worse ( they don't actually see a rejection as such, but see the repeated searches with no resulting account ). First, I would suggest giving it a rest for 6 months to let the credit files calm down.
In the meantime -- maybe look at the phones you are buying ... are you an i-Phone user, or android ? It seems i-phones are more accident prone for some reason.