Vodafone default affectinf my credit file 2018 - HELP!

[Garryt2018]

Hi all,

I recently applied for mortgage but I have a default on my credit account from March 2016 for a nominal amount of £24. 

Back in March 2016 I called Vodafone to cancel my account who advised and confirmed I could.

However I was told at the time by a Vodafone rep that there was no final bill to be paid as I am reached the end of my 2 year period, I presumed this to be true as I had reached the end of contract and paid to date back then via direct debit as previously agreed. So cancelled my direct debit. 

I received a letter confirming my account had been closed some days later which I have a copy of. However it wasn’t until some time after that I found out that a nominal amount was outstanding on my bill and that Vodafone had apparenty been chasing this final payment however my phone number was not in use anymore. 

I then paid the amount outstanding, however on trying to apply for a mortgage recently, my finacial adviser carried out a credit file search and found a Vodafone default on file. I have no other blemishes on my record and have had credit and loans since, which I can’t understand why its not come to light sooner/affected me getting loans and credit since which have been fully paid.

The default is affecting my credit file now, and it is unlikely I will get a mortgage because of it.

Myself and partner have struggled to save up for a deposit but finally got where we need to be, only to discover this. I am 34 years old and if I put off getting a mortgage any longer it will become more difficult, my partner is also expexting a child in September. So having this occur has affectively ruined our lives.

I don’t think it is fair, as this was a misunderstanding. Why would I call to cancel my account in advance, only to knowingly not pay the last nominal amount and have it affect my credit file!

I have called Vodafone to discuss only to be fobbed off continously, with no change.

Our lives and plans are ruined now, I pay rent and have done on time for over 10 years and can’t even get a mortgage. It’s terrible, and Vodafone’s business is ruthless and brutal, with little understanding.

I am going round in circles. 

Please help.

[Garryt2018]

Hi all,

I recently applied for mortgage but I have a default on my credit account from March 2016 for a nominal amount of £24.

Back in March 2016 I called Vodafone to cancel my account who advised and confirmed I could.

However I was told at the time by a Vodafone rep that there was no final bill to be paid, I presumed this to be true as I had reached the end of contract and paid to date back then via direct debit as previously agreed. So cancelled my direct debit.

I received a letter confirming my account had been closed some days later which I have a copy of. However it wasn’t until some time after that I found out that a nominal amount was outstanding on my bill and that Vodafone had apparenty been chasing this final payment.

I then paid the amount outstanding, however on trying to apply for a mortgage recently, my finacial adviser carried out a credit file search and found a Vodafone default on file. I have no other blemishes on my record and have had credit and loans since, which I can’t understand why its not come to light sooner/affected me getting loans and credit since which have been fully paid.

The default is affecting my credit file now, and it is unlikely I will get a mortgage because of it.

Myself and partner and struggled to save up for a deposit but finally got where we need to be, only to discover this. I am 34 years old and if I put off getting a mortgage any longer it will become more difficult, my partner is also expexting a child in September. So having this occur has affectively ruined our lives.

I don’t think it is fair, as this was a misunderstanding. Why would I call to cancel my account in advance, only to knowingly not pay the last nominal amount and have it affect my credit file!

I have called Vodafone to discuss only to be fobbed off continously, with no change.

Our lives and plans are ruined now, a rent and have done on time for over 10 years and can’t even get a mortgage. It’s terrible, and Vodafone’s business is ruthless and brutal, with little understanding.

I am going round in circles.

Please help.

[Garryt2018]

Hi all,

I recently applied for mortgage but I have a default on my credit account from March 2016 for a nominal amount of £24.

Back in March 2016 I called Vodafone to cancel my account who advised and confirmed I could.

However I was told at the time by a Vodafone rep that there was no final bill to be paid, I presumed this to be true as I had reached the end of contract and paid to date back then via direct debit as previously agreed. So cancelled my direct debit.

I received a letter confirming my account had been closed some days later which I have a copy of. However it wasn’t until some time after that I found out that a nominal amount was outstanding on my bill and that Vodafone had apparenty been chasing this final payment.

I then paid the amount outstanding, however on trying to apply for a mortgage recently, my finacial adviser carried out a credit file search and found a Vodafone default on file. I have no other blemishes on my record and have had credit and loans since, which I can’t understand why its not come to light sooner/affected me getting loans and credit since which have been fully paid.

The default is affecting my credit file now, and it is unlikely I will get a mortgage because of it.

Myself and partner and struggled to save up for a deposit but finally got where we need to be, only to discover this. I am 34 years old and if I put off getting a mortgage any longer it will become more difficult, my partner is also expexting a child in September. So having this occur has affectively ruined our lives.

I don’t think it is fair, as this was a misunderstanding. Why would I call to cancel my account in advance, only to knowingly not pay the last nominal amount and have it affect my credit file!

I have called Vodafone to discuss only to be fobbed off continously, with no change.

Our lives and plans are ruined now, a rent and have done on time for over 10 years and can’t even get a mortgage. It’s terrible, and Vodafone’s business is ruthless and brutal, with little understanding.

I am going round in circles.

Please help.

[Gemma]

@Garryt2018 - I can understand how upsetting and frustrating this must be.

I’m sorry that it’s been caused by the advice you were given when you cancelled.  

One of the credit specialists in my team can take a look. Please send us your details by following the instructions in this private message.