21-02-2016 08:26 AM
Mate I have contacted them all I do get is transferred to department to department it's so wrong if only I could report such bad service no1 helps me I have paid this off and still today it shows on experiaan outstanding balance I have contacted credit agency they go voda need to update to us but they not VODAPHONE RUINS PEOPLES LIFES 😰
21-02-2016 08:31 AM - edited 21-02-2016 08:31 AM
Hi, as said, phone 191 Monday to Friday, normal business hours, ask for collections team and they can mark it as settled but it will remain on your credit file.
You admit it was you who paid late, how is that vodafone ruining peoples lives? they have an obligation to report these things so other lenders can make a judgement on if a person is a safe risk to lend too.
21-02-2016 08:53 AM
@Faiz786 The best that you will achieve is the entry will be marked as settled. The entry will remain on your credit file for six years from the date it was entered.
Entries can only be removed if the credit giver was a fault and made an incorrect entry on your file.
Your problem demonstrates why a Direct Debit payment mandate is the best way to pay. As @63johnw has indicated any company granting credit has a legal obligation to record the status of credit agrrements.
21-02-2016 09:11 AM
I have paid the outstanding balance of 436 pound on the 9th January 2016....it is still showing outstanding balance of 436 I have been chasing Vodafone up for over a month to update my credit file....the default I understand...today is 21st feb....I have popped into Vodafone store to show proof of payment I have rang up to be transferred from department to department ...VODAFONE DOES RUIN LIFES..
21-02-2016 09:17 AM
@Faiz786 You could try sending a copy of the proof of payment you have from Vodafone to Experian and ask them to liase with Vodafone to update your file.
You may find that the credit files are only updated at the end of the month following the month of payment but it is worth asking Experian/
The file will then be marked as settled but the original entry will remain.
21-02-2016 12:09 PM
05-03-2016 11:31 PM
06-03-2016 07:44 AM - edited 06-03-2016 08:47 AM
As nobody on these boards has any account access you will need to call 191 and ask for COLLECTIONS.
As the account has been in default (irrespective of whose fault it is) Collections are the only people who have the information needed to resolve the issue and update credit agencies. You can also send a copy of the chat transcript you have confirming you account is not in default to Experian.
While you are waiting for this to be settled you can put a Notice of Correction on your credit file explaining who the default is showing. That way any lenders can see the reason the account is in default.
There is no need to write to all credit agencies as they all share the information so if you write to Experian (www.experian.co.uk ) once they put the notice on your file it will update with all credit agencies.
Have you tried calling Vodafone and paying the bill? When you speak to Collections they should be able to take your payment over the phone.
16-03-2016 01:19 PM
Hi Please help!
Very similiar to marekk except mine was £9. Here are the facts.
I was talked into this rolling pay as you go bundle by the Vodafone teller in Leeds instead of a bog standard pay as you go sim.
When I cancelled my pay as you go bundle the teller said I didn't owe anything (again in Leeds)
All was fine I was transferred onto a pay as you go SIM and on I went with life.
Out of the blue I received a letter (quite alarming saying I owed said amount and I needed to contact Vodafone urgently!) which I did.
Had a telephone conversation with the member of vodafone staff where I settled the amount for £9, when I asked if this would go on my credit score she laughed and said "no not for £9!" that must be recorded somewhere!
It is also worth noting I didn't receive any bill/invoice for said amount otherwise I would have paid no problem!
Can someone/vodafone please advise how to resolve.. I am intending starting my own business in a few weeks and would rather not blacken my impeccable credit score for £9 which i didn't know I owed!
23-04-2016 08:03 AM
23-04-2016 08:42 AM
The only people who have the authority to remove the flag on your account are COLLECTIONS on 191 on a weekday.
You should when speaking to collections be able to pay the default balance using either a Credit or Debit card.
If you have not already done so you can ask the credit agency to put a Notice of Correction on your account where you can explain the reason for the default marker.
25-04-2016 10:26 AM
26-04-2016 03:59 PM
26-04-2016 06:33 PM
28-04-2016 11:19 PM
I am in the same boat, today went to apply for a morgage and found out that a payment from VF has completly messed up, this is an account I had in 2010 however we are now in 2016 and to this date I had no information on this account. I am so annoyed and I wondered why I was unable to obtain credit, it was only when my morgage consulted informed me that it was on my credit and I was shocked to see, this has frustrated me because it is affecting me in all areas with credit and I need VF to take this off as no one else can.
29-04-2016 07:10 AM
29-04-2016 08:18 AM
@barry12345 As @63johnw says, if the money was owed then the default marker will stand until it is settled when it will then show the account has been settled but the marker remains for six year from the date it was placed.
You should ask the credit agency to put a Notice of Correction on your file, in this you can give your explanation as to why the debt is showing. Anyone searching your file will then see the notice and have to take that into consideration when assessing you for credit worthiness.
29-04-2016 10:01 AM - edited 29-04-2016 10:30 AM
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