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08-10-2013 11:58 AM
Hi,
I have recently applied for a mortgage and to my surprise the application was declined. Reason - credit check fail. The thing is that I have never missed a payment on anything and so my financial adviser told me to get my credit report from experian and find out what is causing the issue. What I discovered is that Vodafone recorded a default on my account that I believed has been closed in November 2012 (the default is for huge £14). The contract has run out at that time and so I contacted Vodafone and told them to close the account and that I'll be moving my number to O2 and so I did. As far as I was concerned my Vodafone account was settled. Vodafone never contacted my about the £14. If they did I would have paid it. Even if the payment was to be one month late it would not damage my credit profile. Is it even legal to default my account without some sort of communication to let me know?
Straight after I got my credit report I called Vodafone and paid the £14 over the phone. (the account will soon show as settled but the default will stay) I asked them if I can get the default removed from my credit file and they couldn't tell me so they asked me to wait and that they will be in touch within 5 days. Yeah right... I called them again after 5 days and asked them to remove the default. I was told that it cannot be done because I did not pay my bill for 10 months. I was furious after the phone call. How can I pay for a bill that I dont know even existed?
I would really appriciate some help with this matter. I know that some people have been successful with getting the default removed.
27-05-2019 11:16 AM
hey!
thanks - i did message on twitter 2 days ago and got no response so far? thanks
28-05-2019 08:57 AM
I'm sorry for the delay @rachelowens, we've been a little busier than usual on the Social Media team recently. I can see that someones contacted you now 👍
15-04-2014 10:48 AM
15-04-2014 10:58 AM
Hi Lancbespoke,
We'll need some account details to look into this further for you.
Take a look here for how to get in touch.
Thanks,
Kay
19-04-2014 05:20 PM
Hi,
I really need someone to help me out here - I had a defaulted account with Vodafone, which I have settled and paid in full start of this month - It still shows as a default on my credit file - I really need to get it updated - as I'm applying for a mortgage and have been declined - my mortgage advisor has advised me to contact vodafone to get it updated ASAP..I have rung vodafone but they didn't do anything..
Please help...:(
19-04-2014 05:31 PM - edited 19-04-2014 05:32 PM
@numanraja210399 wrote:Hi,
I really need someone to help me out here - I had a defaulted account with Vodafone, which I have settled and paid in full start of this month - It still shows as a default on my credit file - I really need to get it updated - as I'm applying for a mortgage and have been declined - my mortgage advisor has advised me to contact vodafone to get it updated ASAP..I have rung vodafone but they didn't do anything..
Please help...:(
Hello numanraja210399
The only time a default can legally be removed would be when it was placed in error. If this was a genuine default where you would have owed Vodafone money and missed payments, the default on your credit file will stand for the next 6 years after which time it will be removed.
Vodafone have a legal responsibility to report any missed or late payments on your credit file. If you have paid the amount owning in full, at least the default will be marked as settled which should be taken into account by your mortgage lender but unfortunately, the slightish blemish on your credit file can be frowned upon when trying to get credit.
19-04-2014 05:40 PM
That's what I want - I have settled the account so I want it to say SETTLED.
19-04-2014 06:06 PM - edited 19-04-2014 07:07 PM
Depending how long ago you defaulted, it can take a while before it is updated, as the process is usually once a month.
The Forum team will be in touch soon and they will get the file updated. You will have to be patient about it as it is not going to a quick thing.
19-04-2014 06:43 PM
14-06-2015 05:59 PM
Hi
please help me with some advices how to remove default from vodafone from my credit file the account is been cancelled one year ago and it is been settled