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Default to credit rating - URGENT

Josephine111
3: Seeker
3: Seeker

Please can someone help, I am being refused a mortgage due to a bad credit rating from a bill I didnt owe to Vodafone.

 

I closed down my account at the end of 2015 and in Jan 16 I got a bill for £22.38. I didnt owe it as I had closed my account and had been on direct debit so ignored it thinking it was spam or just an error on Vodafone's part.In May 16 I eventually replied back to the 'donotreply' vodafone address saying that I didnt owe the money to them.

 

I then stopped getting emails from Vodafone saying I owed the money.5 months later I checked m y credit rating which says I am in default of that bill and it has affected my score badly. Then I woke up today and for some reason I have the same bill showing again as having been dafaulted!

 

I need Vodafone to contact experion and sort this out. it's unacceptable. If it means I have to pay £42 I dont owe just to sort this out I dont care but it's appalling that the emails stopped (essentially vodafone accepting their error) and then I am having to chase 5 months later for an answer and am being refused credit from a mortgage lender.

 

please can someone help and call me on 07789217666 or email me 

to sort this out? I am not being allowed to post my email address here, frustratingly.

1 ACCEPTED SOLUTION

BandOfBrothers
17: Community Champion
17: Community Champion

Hi.

 

I appreciate and understand how damaging a default and or marker can be ,and the difficulty in having one removed from a Credit File.Below in Bold is a help guide that explains which department to ask for - 'Vodafone Credit File Support Team' - and how to add a 'Notice of Correction' via Experian. It is Free to add the Notice of Correction. This gives you the tools to add notes on your Credit File to explain why the Default is showing.

 

It's a Do not Reply email address for a reason. They wouldn't have probably received your response. 

 

It would only be worth adding this if you think the default is wrong and shouldn't have been applied. Please take into consideration that a Default will only be removed if it was reported on your Credit File incorrectly. This is why it's important to speak with Customer service first to clear up why this has happened before the Credit File Support Team can help. 

 

The Vodafone Community Forum Team will engage with you here if they can help too. 

 

Default-on-your-Credit-File-and How-to-add-a-Notice-of-Correction.

Current Phone  >

Samsung Galaxy s²³ Ultra 512gb Phantom Black.

 

 

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26 REPLIES 26

Ryan106
2: Seeker
2: Seeker
Hi could someone help me with the same issue

I have a default on my account from Vodafone dated back to 2012

I have been with Vodafone since 2009 and I am still currently with them.

I contacted Vodafone customer services to seek why it was showing and the woman on the phone could not see why I was defaulted said I paid my bills on time always and a good loyal customer.

Problem is I need this looked into and removed if possible as I believe it is some mistake by vodafone.

I am currently going through getting a mortgage and it is ruining my chances.

Could someone help me with this issue.

I do not want to add a note on my credit file as I have read that can cause issues in itself. I would like Vodafone to flag this or better remove it from my credit file.

Thanks for any help

Tash
Moderator (Retired)
Moderator (Retired)

 

@Ryan106 Please follow the steps provided in the private message that will be sent to you shortly.

 

A member of the team will then be in touch to help.

 

Hi, I'm in a similar situation. Cancelled my contract, had my number put on Vodafone pay as you go and years later got refused credit due to default from Vodafone. Phoned them and complained as they never contacted me and I paid it right there and then. How can I get this removed as I'm still being refused credit and this is the only thing on my credit file. Please help 

Gemma
Community Manager
Community Manager

@Danielk5787 - I'm sorry to hear what's happened.

One of the Credit Specialists in my team can take a look into this further.

So we can access your account, please send us your details by following the steps in this private message.

Hello! The exact same thing has happened to me - I’ve seen this in on my credit file as a default almost four years later even though I had paid it when I eventually found out!! It’s shocking it’s preventing me from a getting a mortgage. Can someone help?

Gemma
Community Manager
Community Manager

@Natb33 - I’m sorry to hear what’s happened and it’s impacting your mortgage application. So we can help, please send us your details by following the steps in this private message.

Beastie
4: Newbie

Watchdog reported about this in August 2017 'Mobile billing errors that impact on customers credit rating', it sounds to me that you are one of those affected. So hopefully Vodafone should be understanding. If not then let me know.