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Defaulted Vodafone account on my credit file

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16: Advanced member Gold

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.

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Moderator (Retired)

Hi numanraja210399,

 

So we can take a closer look at this, please contact the team here.

 

James

 

I’m part of the Vodafone Tech Team and here to help. As this is a public forum, we can only answer non account specific queries. Please note, we’re unable to reply to private messages.


If you see a helpful post, please click the 'Thanks' button to let the author know. If a post solves your query, please click the ‘This is the Answer?’ button. This helps others find helpful answers in the community too.

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2: Seeker Bronze

hi all,

 

im in exact same position as you guys, i cant get any sense out any vodafone number i ring, this has been going on for two years now!! problem is i cant remember my number either. the socalled final bill amount is settled yet still cant get any help to remove it as im wanting a mortgage really soon. any help would be appreciated 

 

adam

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Moderator (Retired) Kay
Moderator (Retired)

Hi Adam, 

 

Take a look here for how to get in touch and we'll contact you ASAP to discuss this further. 

 

Thanks, 

 

Kay

 

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2: Seeker Bronze
I have been declined for a job today due to a default on my credit file. I am very concerned about this as I defaulted on payments and then set up a repayment plan with Vodafone which I completed in full. The default was placed on there in 2009. I was led to believe this default would not stay in my file for the full duration as I paid the debt. I'm so terribly concerned and upset. And to top it off I don't know how o discuss this matter a I don't know my previous account details held with Vodafone. Please can someone offer me some advice?
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Moderator

Hi Natalie_F

 

I think its best we take a closer look at your account, click here to send us your details.

 

Thanks

 

Sukhi

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3: Seeker Silver
Hi, I have tried to get a mortgage recently, however I was declined due to a default with vodaphone, u was shocked to discover that I defaulted, as I paid the outstanding balance. Please could you remove the sea fault from my credit file? Please, please, please....extremely stressed out, Been saving for my deposit and then to be told that your unsuccessful because of something you have no control over, so stressful Smiley Sad i spike to Alex from vodaphone and she said there's no record of me owing any money to yourselves. Please consider removing the default, as it's ruining my life.. Drastic I know, but it really is.. Thanks for taking the time to read this.. Please help, I would be so, so grateful.. Kindest regards
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3: Seeker Silver

On 5 Jun 2014, at 12:38, [Removed for security] wrote: [Removed for security] Hi, i'm so sorry to bother you, I have been speaking today with one of your emploers Alex, who has advised me to send you an email, with the concern that i have. I would be so gretful if you would please be so kind to remove a default that is on my experian credit report, as it is preventing me from getting a mortgage. I understand that this is my fault and i am really truly sorry. please could you help me as i am very stressed out about this matter. I have worked so hard at university and i have secured a job as a nurse and would really like to buy my house, but the default is preventing me from doing so. Smiley Sad Experian have emailed you regarding this matter and the reference number is 1443826 they said that they can not remove it and that it is yourselves that have the power to do so, please consider removing it, please…. Thank you for taking the time to read this letter. kindest regards

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3: Seeker Silver
Omg, how do I delete this, copied and pasted, the message I sent VF by accident.. Please help?!?
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16: Advanced member Gold
You can't delete it but you can EDIT it to take out the personal information.
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17: Community Champion

Hello lzkt1999

 

If you were behind with your payment and owed Vodafone money which you were late paying, it will be a genuine default and will remain on your credit file for 6 years.  Vodafone are not able to remove the default as they have a legal obligation to your future credititors to report any late or missed payments.

 

If you have settled the debt, the default will be marked as settled.   As the default is causing you problems getting a morgage, you will be able to add a Notice of Correction which lenders should take into account.

 

What is a Notice of Correction?

 

The eForum Team will be able to look at the account.  The only time a default can be removed is if it was incorrectly placed.

 

 

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3: Seeker Silver
I spoke to someone name Alex and she said that the default was not supposed to be there and it will be removed! However it has not been, please could you look into it on my behalf. Also I accidentally posted the email I sent vodaphone on the forum, could you please delete this as it has all of my details on.. Kindest regards, georgina.
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3: Seeker Silver
I've spoke to VF and they said it been put in in error, and they will remove it, however it's still on my report. Kindest regards.
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3: Seeker Silver
How do I edit post? Thanks for getting back to me. Kindest regards.
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Moderator

Hi Izykt1999,

 

I’m sorry to see what’s happened.

 

So that we can look into this further, take a look here for how to get in touch.


We aim to reply to emails within 48 hours. If you need a quicker response, please visit our Contact Us page.

 

Thanks,

 

Jenny

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2: Seeker Bronze
I have been issued a default on my credit file even though I followed all the rules issued by Vodafone.
I went traveling for a year and came back to a £200.00 fine, apparently oweing to outstanding accounts that I settled before departing. Vodafone advised me that the fee would not disappear and I would be black-listed if I did not pay. I did pay but I was still issued with the default. I have now been refused a mortgage! I feel so betrayed and as a long term Vodafone customer I also feel let down. Can anyone help?
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17: Community Champion
The team here will look into this for you, but if it is a genuine default it can only be marked as settled on your credit rating.

They will provide a link for you to contact them but it can take 24-48 hours for them to get to you.
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2: Seeker Bronze
Thanks for that. It has been marked as settled. I am thinking of getting legal advice as it is surely criminal what is happening here.
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Moderator

Hi donaldo25,

 

We'll take a look at this for you. Please get in touch here.

 

Thanks,

 

Sukhi

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2: Seeker Bronze

Hello All

 

I feel relieved but also saddened that there are other people in the same situation as me! Can’t believe this is such a common thing.

 

A similar story with me; 2.5 years ago I ended my contract, thought my final balance was £0 but final bills for £73.00 were sent to an incorrect email address (mistyped by someone when I signed up in the shop few years ago, could have been a mistake by either party but no-one recalls) and nothing was sent by post at all. I always received my bills and correspondence in paper form by post and so would not have even thought about anything arriving by email, let alone something this important.

 

I became aware of the outstanding amount 2 years ago when I was rejected for a credit card. I contacted Vodafone and then paid the £73.00 after querying why nothing was sent to me by post. I was a Vodafone customer for 6 years and I had a direct debit set up throughout that time so I never had any late or failed payments. Despite this a default was not removed off my credit file.

 

I tried to ask Customer Services about this and after explaining my situation they would tell me that the default would be removed in 48hours and they would contact me when it was done. I would then never hear from them again. This has happened at least 3 times so far and I tried again this week but the same thing again. I don’t know why they say it will be removed if it won’t be! There is no need to lie or give out false information.

 

I have recently been trying to obtain a mortgage for a first family home for my wife and I have been told by a mortgage broker that it will be unlikely that I will get a mortgage with this default against my name. If I do manage to get one it will be at a really bad rate and from the figures I could be paying up to an extra £400 per month!! For a misunderstanding/mistake and £73.00, which was paid immediately, the effects are completely disproportionate. Why would Vodafone want to make life so stressful and difficult for customers in these situations?? It feels like continuing harassment/punishment for something extremely minor. I understand the system probably has a use but it should be for legitimate situations of abuse or non-payment, not for good customers (of many years!) and one-off misunderstandings where some blame is arguably with Vodafone.

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