4 months later…
The time: New Year’s Eve. The place: Tijuana, Mexico. I had not bothered to negotiate the contract because I was too busy —I had simply continued making my payments as agreed. I am standing on the sidewalk in front of my hotel, texting a friend to make arrangements for the evening, and I neither see nor hear the teenage pickpocket sneaking up behind me. The phone is wrenched out of my hand, and he is gone before I am able to react.
The story ends as it should. I enjoy the rest of my holiday, return to the US, replace the SIM card, and dig out my old spare phone from luggage still not unpacked. I receive a text from PayJoy, warning me that payment is overdue and “my” Galaxy S6 edge will be locked within 24 hour.
I burst out laughing. Because it is not my problem anymore.
A month later, someone from PayJoy calls me, a very nice lady, who informs that if I can no longer afford the payment, I am welcome to return the device to the retailer. I explain the circumstances of the theft, and explain that I am willing to compromise and negotiate a payment arrangement that is fair for all. She says she’ll talk to her manager and get back to me.
No one ever calls me, I never receive a bill, and nothing ever shows up on my credit report. It has been 6 months since the incident, so I’m guessing this is over and done with. Perhaps the cops recovered the device in Tijuana. Perhaps the thief freaked out when they locked it, and sent it back to PayJoy. Or perhaps they just don’t care.
The end :)