<human>: So my sister went well over her phone bill and I just got a statement for £1,200. Her contract is under my name and it's coming out from my account. I suspended the direct debit so the money hasn't been taken out of my account as of yet. I tried speaking to EE and they said that I have to either 1 pay them £1,200 or slowly pay off the amount over the next six months so at £200 each month and it would affect my credit score also for the next 5 years :/ Also if I go with this option my contract will get extended for another 6 months without the discounts prices etc.

Is there anything I can do since I'm 20 and can't really afford to pay them £1,200? As soon as this gets settled I'm moving her phone off my name and making her pay for it herself while she slowly pays me back.

Can you condense the text into a few key points?
<bot>: Sister went over her phone bill that's under my name and I can't afford to pay for it. I'm fucked.