[UK] Recently purchased a second hand iPhone, found out original owner bought through Apple Financing (Barclays). If they stop payments, will the device be blocked?

Question

[UK] Recently purchased a second hand iPhone, found out original owner bought through Apple Financing (Barclays). If they stop payments, will the device be blocked?

Not sure how financing works outside of the UK so please only answer if you have knowledge of how this works in the UK.

I recently purchased a 2 month old iPhone second hand. It isn't attached to a phone contract, however with the proof of purchase (Apple invoice) they have supplied me, it mentions it was paid for by Apple Financing in monthly instalments. I understand this is provided by Barclays (not Apple directly).

They claim they have fully paid off the finance but I can't confirm that. Whether they have or not, if a customer owed finance payments and stopped paying them would Apple or Barclays block the device, or put a marker on the device (e.g. CheckMend)?

Is there any way I can verify with Apple or Barclays that a device has had its finance paid off if the finance arrangement is not in my name?

Thanks

Posted on Jul 24, 2022 1:26 AM

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Answer 1

ProustGiulio

Level 10

208,596 points

Jul 24, 2022 4:34 AM in response to Community User

You're not addressing Apple here and we, just users like you in this public tech support forum, are not aware of your iPhone's previous owner transactions with Apple/Barclays.

Apple contacts:--> Contact Apple for support and service - Apple Support

Barclays contacts:--> https://www.barclays.co.uk/help/

Regards

Giulio

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Answer 2

Jul 24, 2022 8:30 AM in response to Community User

UPDATE

Can't edit the original post.

Anyway, spoke to Apple sales who have confirmed I won't have any issues should the worst happen and the previous owner stops paying finance on the handset - apparently Barclays will take it up with the previous owner should anything like that happen. They couldn't confirm whether the finance had been fully paid off but I've been assured by the previous owner it has been.

Nice to have peace of mind. Hope this helps anyone in future with a similar concern.

This can be closed/filed (not sure how it works around here!)

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Answer 3

Jul 24, 2022 7:54 AM in response to ProustGiulio

Hi, yes I'm aware of that and also not looking for assistance for my specific circumstances, it was more a general query - if a previous owner failed to make payments on the device, would Apple put any restrictions on the device e.g. prevent any service in an Apple store, iCloud lock etc. I'm sure there are users on here who have had similar situations.

From what I gather, the previous owner's financial arrangement is with Barclays and not Apple so any repercussions would be with the previous owner (the person the contract is in the name of), not the device, so there shouldn't be any consequences for any new owner of the device.

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Answer 4

Jul 24, 2022 8:34 AM in response to Community User

You can edit a post for 15 minutes after you make it. But what you did, adding a new post, is a good way to deal with it. And marking any post in the thread (including your own) Solved (aka Best Answer) is the right way to say it has been resolved. In general threads aren’t closed or filed, as the thread can be useful to anyone else with a similar situation. The hosts will “lock” a thread that has had no additional responses for 3 months.

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Answer 5

Jul 24, 2022 4:14 AM in response to Community User

Anyone?

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[UK] Recently purchased a second hand iPhone, found out original owner bought through Apple Financing (Barclays). If they stop payments, will the device be blocked?

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