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Thread: May be its possible to buy Iphone without contract..

  1. #1
    Default May be its possible to buy Iphone without contract..
    I had an idea (may be stupid) ).. I go to ATT, sign the contract, 3 days later I call them and say I lost the phone and I don't want to use their service anymore. I pay the penalty fee of $200, and at the and I have 3g Iphone for $200 more than the advertised price which is still cheaper than eBay offers.. Do you guys think this could work?

    Cheers

  2. #2
    This idea has been thought of to death... If you check any of the iPhone 3G threads just about every person has thought of it, and in theory it would work but it would be cheaper(and easier) to just buy the iPhone at its no commitment price

  3. #3
    Quote Originally Posted by rusty778 View Post
    This idea has been thought of to death... If you check any of the iPhone 3G threads just about every person has thought of it, and in theory it would work but it would be cheaper(and easier) to just buy the iPhone at its no commitment price
    Sorry for posting something that has been discussed many times.
    No commitment way is not available in US yet..

  4. #4
    actually no commitment pricing is 599 and 699 respectively AT&T announces iPhone 3G pricing plans - Engadget

  5. #5
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    Quote Originally Posted by rusty778 View Post
    but it would be cheaper(and easier) to just buy the iPhone at its no commitment price
    lies. 400 is cheaper than 600

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  6. #6
    Well first you pay the activation fee (36) then the actual phone (199) then the ETF (175) and first month of service (70) and then damage to your credit, so I guess it would be cheaper by around a hundred bucks but still seems like a pain in the a*s

  7. #7
    No credit damage if you pay the ETF. Im curious though if I repeatedly buy iphones, "lose" them on purpose and cancel contracts every..lets say week ).
    Actually its pretty hard someone to damage your credit if you know how to deal with the stupid collection agencies. I've dealt with few and I always get out of them so far .

  8. #8
    Default collection agencies
    there's no "no commitment" as of yet, and yes, 400 less than 600...
    mikefrombg, can you share couple things how to deal with collection agencies plz? i'm wondering. and preparing myself to battle with them, so it would help me.... thanx!

  9. #9
    Quote Originally Posted by romanycus View Post
    there's no "no commitment" as of yet, and yes, 400 less than 600...
    mikefrombg, can you share couple things how to deal with collection agencies plz? i'm wondering. and preparing myself to battle with them, so it would help me.... thanx!
    Sure man,

    The first fight I had with collection agency was for some $120 from AOL. I spent very long time in forums and searching in the web for more info about what are my rights as a consumer. Especially when we are talking about rip off like AOL..in fact I never used AOL. 3 years before I got this letter, I tried the "free" dial up cd that they used to flood ppl's mail. So here it is
    In cases when you receive a collection agency letter you need to respond in less than 30 days from the mail stamp date on it. The formal name of that letter is "validation letter"
    It is pretty standard letter I always use.
    If you want to use it as well here is a link where I uploaded it: http://uscmiami.com/documents/validation_letter.doc
    You need to send the letter with certified USPS mail.
    Keep in mind that whatever mail you receive is not really serious unless it is certified, because this is the only legal way to prove the date when it was sent or received.
    Once you send it if the amount is relatively small, the collector will not waste the time to provide you with all the things you requested (your right by low).
    Now my logic is that if he even replies to you but the letter is not certified or the list of the information you requested is not complete, its all over.

    So far I have had like 5 Collection agencies from 50 to 1500$ and none of them responded. The last one responded only with copy of old voip phone service bill which I really didn't pay ) for ~$250, but nothing else. On the top of it he didn't certified his mail and he has no prove that he sent the requested documents (uncompleted) on time.
    Oh, and also don't ever talk on the phone with collection agents, communication must remain only via mail!
    Hope this will help you or whoever need it.

    Here is the letter again (change names, addresses and dates and you are good to go):

    *MY NAME*
    *MY ADDRESS*

    *Collection Agency address /usually PO box/*
    Date: 6-17-2008
    Re: DCG582 Validation Notification
    To Whom It May Concern:
    This letter is being sent to you in response to a notice sent to me on May 28, 2008. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
    This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
    Please provide me with the following:
    • What the money you say I owe is for;
    • Explain and show me how you calculated what you say I owe;
    • Provide me with copies of any papers that show I agreed to pay what you say I owe;
    • Provide a verification or copy of any judgment if applicable;
    • Identify the original creditor;
    • Prove the Statute of Limitations has not expired on this account
    • Show me that you are licensed to collect in my state
    • Provide me with your license numbers and Registered Agent
    At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
    • Violation of the Fair Credit Reporting Act
    • Violation of the Fair Debt Collection Practices Act
    • Defamation of Character
    If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
    Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
    If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
    I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
    It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
    Best Regards,

    *Your Name*

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