Good Morning,
I hope everyone is keeping safe.
I have recently applied for a Mortgage and found there to be a default on my credit file of which I did not know about. It appears to be from Vodafone- my contract came to an end and some years ago but I have found the paperwork in my emails.
To my knowledge, the contract had ended and that was that. I then received letters requesting payment- I challenged this as my contract had ended. I payed what was owed, and I thought this was the end of it.
Having checked my credit file I can now see that my account is in default and this is preventing me from getting a mortgage. I work hard in the NHS on an acute ward and this is my chance to get on the housing market whilst there is no stamp duty. (I am a first time buyer but my partner is not, hence the stamp duty freeze is relevant).
This has crushed me. Is there anything I can do?
Best wishes, and stay safe.
