topic Re: EE account showing as an 'unsecured loan' in Contracts & Billing

EE account showing as an 'unsecured loan'

Dmi44 — Thu, 14 Dec 2023 01:49:49 GMT

Hi, I have 4 lines on my account (all family phones with EE). After an upgrade for one of these lines, it is now showing this upgrade on my credit report as an unsecured laon! This has only appeared since upgrade on that line and only showing that line not any of my other 3 lines (2 of which were also upgraded in the past year). Could someone please tell me why this is showing on my account all of a sudden? This was a 3 year contract as opposed to a 2 year contract (all my other lines are 2 year contracts)

thanks

Re: EE account showing as an 'unsecured loan'

Profile closed — Thu, 14 Dec 2023 02:20:38 GMT

Hi @Dmi44

Welcome to the EE Community,

the unsecured loan is for your flex pay agreement which is for the device.

Thanks,

David

Re: EE account showing as an 'unsecured loan'

XRaySpeX — Thu, 14 Dec 2023 02:39:05 GMT

The other 2 contracts are conventional 2 year plans with the device & airtime bundled together. That doesn't count as a loan.

Re: EE account showing as an 'unsecured loan'

Dmi44 — Thu, 14 Dec 2023 02:43:44 GMT

Ok, thanks, I was not made aware of this! can I change the contract to a 2 year contract (upgrade was a pprox 1 month ago)?

Thanks for your reply

Re: EE account showing as an 'unsecured loan'

Northerner — Thu, 14 Dec 2023 08:21:40 GMT

Hi @Dmi44

Did you not read the terms and conditions before accepting the contract, or any paperwork/email received after. You'll need to speak to EE CS as you'll likely need to pay the handset/contract off if you're outside 14 days.

Thanks

Re: EE account showing as an 'unsecured loan'

bristolian — Thu, 14 Dec 2023 08:59:25 GMT

I recently changed one of my lines across to a Flex-pay setup and was advised at several points of the contractual structure. Documentation was also sent for prior approval - and is available for download - which reflects this.

To revert from FlexPay to what is now likely to be classed as a legacy-plan would effectively mean cancelling FlexPay - which can only ordinarily be done inside the 14day cancellation window.