Other UK iPhone (2017) X(Ten)/8/8+ Pre-Orders and Dispatch Thread

[Dino F]

I don't understand why I would have to pay off the balance of the phone though? Surely, if I decided to do this, when I hand back the iPhone 8 Plus, that action of handing it back is essentially the same as paying off the balance, no (the monthly payments I am making are to pay off the price of the phone. Handing it back is paying off the remaining balance, surely)?

What would be the point in paying off the early 11 months worth of payments AND also handing back the phone? In a normal contract, when you pay off the balance, the phone is yours to keep forever - you wouldn't then also hand it back to get a better phone??!

Must admit that I am not sure how this scheme works, but I cannot see them expecting you to pay off the loan and then hand the phone back. I am sure it would be yours to keep and sell to defray the cost of a new one. Best thing you can do is phone Apple and ask.

The way I understand how the iPhone Upgrade Program works is that you pay an up-front cost for the phone (like I did for the iPhone 8 Plus) and then you pay a set fee every month until you have made 12 months worth off payments. Then, when the next year rolls around and you choose to upgrade your phone again, you hand back the phone and start a new upgrade program with the new phone.

Perhaps I need to make at least 12 months worth of payments first, OR, pay the cost of 12 months payments up front, before I am allowed to upgrade again?!

Might have to speak to them and find out.

 

[Furzul]

The way I understand how the iPhone Upgrade Program works is that you pay an up-front cost for the phone (like I did for the iPhone 8 Plus) and then you pay a set fee every month until you have made 12 months worth off payments. Then, when the next year rolls around and you choose to upgrade your phone again, you hand back the phone and start a new upgrade program with the new phone.

So, according to that you’re only leasing the phone off of Apple. What will the total cost be for the 12 monthly payments plus the upfront cost?
Would it be the same as buying the phone outright, of is it considerely cheaper?

 

[Dino F]

So, according to that you’re only leasing the phone off of Apple. What will the total cost be for the 12 monthly payments plus the upfront cost?
Would it be the same as buying the phone outright, of is it considerely cheaper?

...well I'm currently paying around £44 a month for my 8 Plus on the iPhone Upgrade Program. Can't quite remember what the upfront cost was though?!

 

[WhiteHawk]

...well I'm currently paying around £44 a month for my 8 Plus on the iPhone Upgrade Program. Can't quite remember what the upfront cost was though?!

Surely if you hand it back you are handing back a second hand phone though, usually you have two weeks to get a refund normally when buying it outright, I’d guess something similar with the IUP otherwise people would be coming back all the time changing the phone or getting a refund so unless you have only had the phone within whatever time period they allow a refund on the IUP or the phone is faulty you are in a contract to pay off the phone you have.

Of course there’s always a chance of them making an exception but your not giving them back a sealed and unused phone, they can’t sell that as new, probably they would use it as a replacement for someone with a faulty one.

 

[5to1]

I don't understand why I would have to pay off the balance of the phone though? Surely, if I decided to do this, when I hand back the iPhone 8 Plus, that action of handing it back is essentially the same as paying off the balance, no (the monthly payments I am making are to pay off the price of the phone. Handing it back is paying off the remaining balance, surely)?

What would be the point in paying off the early 11 months worth of payments AND also handing back the phone? In a normal contract, when you pay off the balance, the phone is yours to keep forever - you wouldn't then also hand it back to get a better phone??!

You’re not paying off the balance, youre paying off the remainder of the 11 payments required before you’re eligible to upgrade.

As I understand it the upgrade program is effectively a loan at 0% APR (no interest). You make an upfront payment, plus 20 instalments and the phone is yours. (You won’t have paid any more then you would have if you’d bought it outright on day one).

As an alternative, after 11 instalments you can choose to hand back the device (in lieu of the remaining 9 payments) and enter into a new agreement for a new Iphone.

Obviously you can’t expect to only pay 11 payments and keep the device. As you would have paid less then those purchasing for cash Roughly about 60%. We’d all jump on the upgrade program if that were the case

I suspect the early upgrade is there for those close to the 11 months. IE to get you in sync with their release schedule when you first enter the program, then subsequent years you’re 11 payments are up by the time the next device is released. Or if they release a bit early one year.

Clearly makes little sense for you, being so early into the 11 month period. You’re probably better off paying off the loan (you must do this first as I doubt you own the phone until you do) and selling the phone privately. Just to be clear, To pay off the loan you have to pay the remainder of the 20 instalments, NOT 11

 

[Jinjin]

(you must do this first as I doubt you own the phone until you do) and selling the phone privately. Just to be clear, To pay off the loan you have to pay the remainder of the 20 instalments, NOT 11

The loan is not secured against the phone so you can sell it first and pay off the loan.

Apple have been paid by Barclays and Barclays only care you pay your monthly payments. (More likely they care if you miss a payment so they can charge you exorbitant penalties and interest)

 

[Dino F]

...just to carry on from this, I recently checked my iPhone Upgrade Program status and it currently shows this:

So, does this mean that if I wanted to upgrade to an iPhone X, I would have to first pay the fee of £263.70 up front AND also ".....pay off the remaining balance of your first 11 monthly payments" or is the £263.70 all I would have to pay (so is the £263.70, actually the remainder of my balance)??

Sorry I'm being a bit blonde here!!!

 

[Azzin]

...just to carry on from this, I recently checked my iPhone Upgrade Program status and it currently shows this:

View attachment 754647



So, does this mean that if I wanted to upgrade to an iPhone X, I would have to first pay the fee of £263.70 up front AND also ".....pay off the remaining balance of your first 11 monthly payments" or is the £263.70 all I would have to pay (so is the £263.70, actually the remainder of my balance)??

Sorry I'm being a bit blonde here!!!

The iUP requires you to have paid off 11 months worth of payments before you can upgrade and it looks like you’ve made 6 payments (?), so another 4 payments need to be made and then an additional cost to move from your 8 Plus to the (more expensive) X.

 

[Jinjin]

...just to carry on from this, I recently checked my iPhone Upgrade Program status and it currently shows this:

View attachment 754647



So, does this mean that if I wanted to upgrade to an iPhone X, I would have to first pay the fee of £263.70 up front AND also ".....pay off the remaining balance of your first 11 monthly payments" or is the £263.70 all I would have to pay (so is the £263.70, actually the remainder of my balance)??

Sorry I'm being a bit blonde here!!!

You pay the 263.70, give them back the 8 and start a new IUP with an iPhone X

 

[Azzin]

@Dino F How much are you paying per month?

 

[Dino F]

The iUP requires you to have paid off 11 months worth of payments before you can upgrade and it looks like you’ve made 6 payments (?), so another 4 payments need to be made and then an additional cost to move from your 8 Plus to the (more expensive) X.

....so is that : I pay the additional 4 months off and then pay the £263 minus them 4 months!?

You pay the 263.70, give them back the 8 and start a new IUP with an iPhone X

...so is that ALL I have to pay then - JUST the £263, if I was to do this tomorrow (I'm not but hypothetically!)

@Dino F How much are you paying per month?

£43.95 a month.

 

[Azzin]

I think you go in (having paid off up to and including month 11), then pay £263.70 and you’ll walk away with your shiny new X.
[doublepost=1521217525][/doublepost]

£43.95 a month.

Which is 6 months worth of payments left, so what @Jinjin said now makes sense (to me).

You pay off the remaining 6 months, go into the Apple store, give them back the phone and get a new X on a new iUP program at either £56.45 or £63.95 (64gb or 256GB).

 

[Kerry78]

Wouldn’t it be worth waiting for what Apple comes out with in September rather than upgrading to a year old X after that payment is paid?

 

[Jinjin]

....so is that : I pay the additional 4 months off and then pay the £263 minus them 4 months!?





...so is that ALL I have to pay then - JUST the £263, if I was to do this tomorrow (I'm not but hypothetically!)



£43.95 a month.

There’s also the one off payment we had to pay when you start IUP £69 upfront I think it was. I’d assume that would again be payable too

 

[2015Girl]

It’s not worth it. I sure (my mom) as hell cant spend $1K on a phone. I have the SE and she has a 3 yr old 5S and we’ll fine.

 

[CamiMR]

It’s not worth it. I sure (my mom) as hell cant spend $1K on a phone. I have the SE and she has a 3 yr old 5S and we’ll fine.

I’ve had my X since launch and I love it!
That being said, I agree, it’s way too much money for a phone...
Having upgraded every year since the 4, I’ll be keeping the X for a good 2-3 years.

 

[Jbee94]

I have an iPhone X 64gb space grey on iUpgrade programme. I am selling the phone (£750 if anyone is interested) and clearing off the balance as my brother has a upgraded and is giving me his 7 plus.

Once I clear the balance with barclays does anyone know if I can gain a refund for the remainder of the apple care I have left as it is valid until November 2019.

Any help would be appreciated thanks.

 

[Azzin]

I have an iPhone X 64gb space grey on iUpgrade programme. I am selling the phone (£750 if anyone is interested) and clearing off the balance as my brother has a upgraded and is giving me his 7 plus.

Once I clear the balance with barclays does anyone know if I can gain a refund for the remainder of the apple care I have left as it is valid until November 2019.

Any help would be appreciated thanks.

You can indeed get a pro rata refund.

 

[Dino F]

...well I still have my iPhone 8 Plus - that fee above was waaay too much to fork out (although now, the website only shows about £40 odd!!)!

And, being SO close to a new iPhone in September, it's probably not worth an upgrade now either!! I am planning to see what they release this year - if there is a new iPhone X which is smaller than the current iPhone 8 Plus but bigger than the current iPhone X, then I am sold!!!

One thing I do know though, I won't be sticking with my current 8 Plus or any iPhone which comes out which might be the same size or bigger....!

 

[Dino F]

...not long to go now and still have my 8 Plus!

Quick question - When upgrading to the new phone this September and handing back my iPhone 8 Plus, does this then pay off the remainder of the Barclays loan associated with the iPhone Upgrade Program on my 8 Plus?!

Alternatively, could I take out a second iPhone Upgrade Program on the new phone, whilst keeping the 8 Plus (i.e. If I wanted to keep the 8 Plus to give to a family member, I guess I would then just carry on paying the £43.95 a month until the loan was paid off)?

 

[CD3660]

Sorry Dino, I have no idea what the answer to your enquiry is.

Is there a date yet for the next release?

 

[Dino F]

Sorry Dino, I have no idea what the answer to your enquiry is.

...thats ok!!

Is there a date yet for the next release?

I think we're probably looking around the 10-12th September for the announcements and then around the 21st for releases.

 

[CD3660]

Cheers. I had a very quick look on here last night but couldn’t see anything.

 

[Azzin]

...not long to go now and still have my 8 Plus!

Quick question - When upgrading to the new phone this September and handing back my iPhone 8 Plus, does this then pay off the remainder of the Barclays loan associated with the iPhone Upgrade Program on my 8 Plus?!

Alternatively, could I take out a second iPhone Upgrade Program on the new phone, whilst keeping the 8 Plus (i.e. If I wanted to keep the 8 Plus to give to a family member, I guess I would then just carry on paying the £43.95 a month until the loan was paid off)?

Hey

I suspect that, as these are simply loans with Barclays, as long as you pass the credit check(s), they’ll let you have as many as you’d like.

 

[hobsgrg]

...not long to go now and still have my 8 Plus!

Quick question - When upgrading to the new phone this September and handing back my iPhone 8 Plus, does this then pay off the remainder of the Barclays loan associated with the iPhone Upgrade Program on my 8 Plus?!

Alternatively, could I take out a second iPhone Upgrade Program on the new phone, whilst keeping the 8 Plus (i.e. If I wanted to keep the 8 Plus to give to a family member, I guess I would then just carry on paying the £43.95 a month until the loan was paid off)?

Yes as long as you've made 11 payments handing back your existing phone pays off the original loan and you start a new one.

You could simply take out a second iUP however as you already have an existing agreement you'd be less likely to pass the credit check.