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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.
08-07-2017 02:39 PM
Thanks. Since posting I have gone through the director complaints process, so it is now being investigated.
09-07-2017 02:49 PM
No problem @bluenoze22
If you need any further help, feel free to email us I the link provided in the private message – we’ve got a dedicated credit file expert who can help.
11-07-2017 07:44 AM
You will struggle with Vodafone now that its been passed to Lowell.
Each will pass you back and forth making you think you are getting somewhere.
If you have proof the debt was paid and you didnt owe anything id advise you to raise a complaint to the financial ombudsman and be very clear what has happened and provide emails and other documentation to fight your case.
It may take 8 weeks or more to resolve but they are way more effective than trying to get through to the idiots at Vodafone who wouldn't know what was "pass me to your credit team" if it hit them in the face.
09-07-2017 04:09 PM
@Will, I have not received this private message.
09-07-2017 04:27 PM
09-07-2017 05:24 PM
@chaimke - I'm sorry this wasn't sent.
I’ve sent the a private message today, which contains info on how to contact our specialist.
09-07-2017 05:30 PM
there was no link in pm
09-07-2017 05:34 PM
@chaimke - The link is on the word 'here' (in the sentence 'Click here and enter your information').
If you're accessing this on your phone, please try on a PC or laptop instead - I've just checked in my sent items and the hyperlink is working here on a PC.
10-07-2017 04:58 PM
from laptop.
the hyperlink for 'private message' done work.
Maybe you could email me?
11-07-2017 06:38 AM
Hi i have moved my house and still with vodaphone my payment is up and running . But i have received defaul in my credit score form vodaphonw what to do .