I find it shocking that my granddaughter has paid so far £330 in insurance ,someone pushed her while her phone was in her hand and camera glass broke ,she called 3 and they made out they would sen her a new phone she had to pay another £90 on top of £72 a month and they sent her a used phone which has chips on the side and all you can say it’s an A grade phone ,I think it’s shocking she is a student never missed a payment or been late she has now had phones from you for 10 yrs as I used to pay her contract ,I think it’s theft what you have done