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Credit file shattered for 12.41

2: Seeker
2: Seeker

Hi all,


I hope you are well.


I will cut to the chase, a balance of 12.41 has been owing on my account for a couple of months without me knowing. I come to learn of it when I actually received a letter telling me it has been sent to a DCA (debt collection agency). The balance has now been paid, like I say, had no idea.


The issue here is, they have defaulted my credit file, and whilst I am in the middle of purchasing a home, this has left me in a spot of bother to say the least, with a wife and a 2 year soon to be made homeless unless I can get this sorted.


Where do I stand here, like I say, letter dated 26th Aug received on the 2nd September, balance of 12.41 owing, has now been paid but Vodafone straight out refused to remove the default. I would understand if it was £700 and what not, but I have been a customer for well over 12 years, paid bills on time, never missed a penny, even when I run up a £200 bill for using Youtube to listen to one song over and over. 


Please help as I am pulling my hair out and the stress is taking over to the point, I'm in panic mode and have no idea what to do. 


Thank you,




17: Community Champion
17: Community Champion

The Vodafone Social Media Teams have a dedicated Credit File Specialist Team who can look if the default is indeed warranted or not @JayGa89 


If they find it warranted then the default will remain in place for 6 years.

You may have to shop around fkr a mortgage company that'll accept your application.

I wish you all the best.  😎 

Current Phone  >

Samsung Galaxy s²³ Ultra 512gb Phantom Black.