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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.
23-10-2016 05:48 PM
The simple answer to your question is "Because they are not accountable to anyone except the Ombudsman." I'm afraid I don't know what the long-winded answer is.
24-10-2016 09:36 AM
25-10-2016 05:49 PM
Hi Sarah, thank you for your response. I have responded to the pm.
Kind regards,
Julia
27-10-2016 11:45 AM
27-10-2016 11:47 AM
27-10-2016 11:52 AM
Let me know the reference number you've received after submitting our email form, @juliaave2016, and I can get this chased up for you.
It'll look like this: [#14xxxxxx] and can be found in the subject of the auto-reply sent to your email address.
Thanks,
Sarah
27-10-2016 01:34 PM
27-10-2016 07:30 PM
You're welcome, @juliaave2016.
I've checked your reference for you and can confirm that our dedicated team received your message on 24 October, at 19:27.
I'm sorry that there's a bit of a delay with us getting in touch with you via email. We'll be in touch as quickly as possible.
Thanks,
Sarah
27-10-2016 08:35 PM
31-10-2016 07:38 AM