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03-02-2017 03:30 PM
When running a credit check I found to have a defaulted account from Vodafone. First of my knowledge.
I was on a rolling contract which I cancelled correctly I never cancelled my DD from the bank just checked it didnt come out the next month.
I have since been informed 2 DD payments failed during the contract - no one informed me of this both when it happened or when I came to cancel.
I cancelled and heard nothing more from Vodafone and didnt think anything of it. Now I have a defaulted account (for £40!!) on my account, more than happy to pay it off - which apparently is easier said than done! But want the defaulted account off my credit report. How can I go around this? I have never recieved any form of contract from Vodafone or anyone else about this account!
03-02-2017 04:04 PM
Hi,
I do understand how damaging a default and or marker can be ,and the difficulty in having one removed from a Credit File.
It's important to speak with Customer service first to clear up why this has happened before the Credit File Support Team can help.
Below in Bold is a help guide I have written which explains which department to ask your case to be referred to - i.e '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 your own notes up to 200 words on your Credit File to explain why the Default is showing.
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.
To Add,,... if a person has spoken to a member of the Credit File Support Team and they have agreed to remove the default then this is usually actioned straightaway. The file will update when the database that Vodafone share with the credit file agencies update.
This normally takes up to 30 working days but can happen quicker.
Unfortunately there is no way to hasten the process up as Vodafone do not have control over the database that is accessed by the credit file agencies. To add this Community Forum is monitored by Vodafone Teams who will engage with you if they can also help.
Link > Default-on-your-Credit-File-and- How-to-add-a-Notice-of-Correction.
Current Phone >
Samsung Galaxy s²⁴ Ultra 512gb.
03-02-2017 04:10 PM
Hello,
I have spoken to customer services and just been passed around the houses.
As far as I got I have been told a payment didnt go through - I then asked why I wasnt informed of this at the time, or even at the time of cancellign the contract!
No one in customer services is allowing me to speak to Credit file.
Thankyou for the information
03-02-2017 04:12 PM
You're Welcome.
The forum is monitored by Vodafone Staff.
Hang in there while they catch up with your thread and they msybd able to further assist.
Current Phone >
Samsung Galaxy s²⁴ Ultra 512gb.
04-02-2017 05:43 PM
Hi @AlyMill, please follow the steps in the private message that I've sent to you. A member of the team will then be in touch to help.