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