Three missed payments and arrears
What Three says happens after missed Airtime or device-plan payments, including payment support, credit-file reporting and debt collection.
Three says late or missed payments are reported to credit files. If several consecutive payments are missed and no suitable repayment solution is agreed, an Airtime or device-plan account may be passed to a debt collection agency. Contact Three early if you are struggling so available support can be considered before the account progresses.
Airtime and device plans can be separate
Three explains that Airtime and device-plan agreements are separate accounts. If both fall into arrears, they can be handled separately and may even be passed to different collection agencies.
Credit-file effect
Three says late or missed payments are reported to credit files and a default may be recorded if payments continue to be missed and the account is closed.
Before agreeing a payment
Confirm which Three account is in arrears, the amount outstanding and whether Three still manages it or a named debt collection agency is now acting on Three’s behalf.