Default on credit file but no bill ever received

[Rob292929]

I moved to EE around a year ago now and contacted Vodafone to cancel my contract and obtain a puk code to carry the number over to EE.

This was done and i was told a final bill would include the cancellation cost and be issued as usual. Unfortunately it was anything but usual. No email bill as usual, no phone calls or sms chasing non payment and no letter ever received until a debt collector wrote to me saying the account was in default.

I have paid on time for several years and given no reason to vodafone to think tthat I am not being honest here. They have been unable to explain why I did not receive communication and told me two letters were sent (never received either). They could not answer why no phone calls or sms were made.

They are saying because the account was defaulted they cannot change the credit entry. Despite not being able to evidence a default was issued in line with the consumer credit act as I was never given the info - http://www.legislation.gov.uk/ukpga/1974/39/part/VII/crossheading/default-notices

I am also planning to contact the FCA and discuss the lack of fair treatment of customers. Motormile (now Lantern) got in big trouble with the regulator for not making the same level of effort to contact customers when redress was owed and they had to redress a lot of money for not using all of their usual contact mechanisms to contact a customer. The fact vodafone decide to stop email, sms and phone call when you are no longer a current customer is abhorrent. The idea that they then want to penalise you for the next 6 years without having given oppurtunity to pay the bill prior to a default is disgusting.

I need this resolved asap so I can get back to house hunting and move on with my life. To reiterate i am happy to pay the money I owe but want the credit reporting rectified to avoid taking this further with the FCA and any other regulators of vodafone.

[HSS1234]

Thanks MarkD

The default has been attended too so no further action required on that.

My issue is that it was placed unjustifiably on there initially by Vodafone, and also the on-going financial impact this action has caused on my credit file and ability to obtain credit.

So the question really was around pursuing compensation for this.

Thanks

[Beth]

@HSS1234 Our social media team would be help to discuss this further with you, as we're unable to access accounts through the forum. Please pop them a private message and select the option "Message an Advisor" to be routed through to a member of the team 🙂

[Chochks]

I'm also having this problem. I have owed them money for 6 weeks, they never sent me a default notice and now I've received a letter from a debt collection agency. My credit rating has been affected. What did you do about this, how did you get your credit rating rectified?

[Chochks]

I just got a letter from a debt collection agency when I've owed them money for 6 weeks and never got a default letter. I would be interested in knowing how you dealt with this please.

[AnnS]

Vodafone give this advise on the website @Chochks Bill and Payment Support 

You need to ask yourself is you owed the money for 6 weeks and failed to notify Vodafone of your financial problems.   If you had contacted Customer Services, they could have made a payment plan arrangement, although reported against your credit file far better than having a default registered.

However, no harm getting in contact with the Social Team through social channels on this link :Contact Us they will be able put you in contact with the Credit Team who will be in a position to look at the account.

[Chochks]

I did inform them of my problems in paying the bill. They gave me extra time and I was two days late with it and they passed it on to a debt collecting agency with no warning they were going to do that. I was with them for several years before this and never paid late. I consider this to be very poor treatment of a long term customer. Please don't patronise me with this kind of answer, it just reinforces my ba

[Ryanuu77]

Hello, long shot I know but in a very similar boat to you and many others as it seems. I cancelled my broadband with them and they never sent the final bill and it was of course defaulted and sent to a debt collection agency. 

My email is [Removed]

I'm gather as much info as possible as I received a call today saying they'd be happy enough to recall the debt and have me pay half of the amount owed as if Im supposed to be happy with that lmao. The guy is to call back later with a new offer or whatever but I'm deadset in taking these rogues to court. They destroyed my credit. 

[MOD EDIT: This post has been edited to remove personal information. Please see Community Guidelines]

[HSS1234]

H i Ryanuu77.

Feel free to reach out to me on [Removed].

Happy to chat. 

Thanks. Harry

[MOD EDIT: This post has been edited to remove personal information. Please see Community Guidelines]