I was wondering if anyone can help me please?
In june this year I rang vodafone as I was struggling to pay for my account and asked to close the account. They agreed and said they would add a cancellation fee onto the balance which amounted to around £690, I then set up an agreement with them to pay £107 per month until the balance was paid and they said I wouldn't be penalised further. Every month on the same date I was OVERPAYING the amount paying £150 per month. On two occasions debt collection agencies called me regarding the debt, spoke with vodafone and they said sorry and they would recall it as I was paying the amount and keeping to the agreement (I have emails to confirm the agreement was set up and I wouldn't be penalised further also have times dates names of who I spoke to on each occasion).
Two days ago I checked my credit file and they have put a default on my file! I have never missed one payment and they agreed this wouldn't happen. I was told I would have a late payment notice on my file which is fine as I know they have a legal obligation to report my credit history but I haven't defaulted on the payment I have over paid. I wrote a complaint and had to call them 5 times. Today at 13:27 a gentleman rang me (Ihave his name on file) and said if I paid the amount left in full which is only now £88 I could have the default removed. Being the unstrusting person I am I asked for an email to record this and he said yes one would be sent to me and he would call at 3pm to take the payment. At 14:55 I recieved a call and no email to pay the balance he then said they wont remove the default and change to late payment because they defaulted. ('Default notice served under section 87(1) Consumer Credit Act 1974' The default notice will also give you the following information:How much you need to pay to bring your account back up to date - The deadline to make this payment – you must get at least 14 days to do this) I never received one default notice and kept up to date with payments and also contacted Vodafone regularly not once told I had a default notice.
I explained legally they must give me 14 days notice to pay the full amount in writing and asked for proof of this, he said they didn't have to tell me I should have known it is the costomers responsibility to. How would I know that when we set up an agreement I have stuck to. Every time I contact them I am getting contradicting advice a gentleman last night said he doesn't understand why they have done this to me as I have been paying as did the gentleman today and then they wont help me?!
I have spent two days speaking with everyone at Vodafone and I have spent two days in and out of work terribly upset I am in the process of applying for a mortgage and did my uptmost to pay this every month to avoid this situation. What is the best thing to do next as I am out of options, I have requested all of my data from vodafone and have booked an hour and a half consultation with a solicitor would contacting watch dog or the ombudsman help? I need this resolving as quick as possible and they seem to just pass me around I have asked to speak to credit control on numerous occasions and they will not put me through and have a case set up with resolver to document all correspondance.
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