Default on credit file.

[Tgarrish19]

I went to carphone warehouse to get a new phone as mine had broke, they kept my same contract with 02, however gave me a phone contract with Vodafone. I never realised this as I thought it be all one contract with 02. Vodafone was set up coming from my bank and I was unaware I was paying to two different company’s.

I cancelled Vodafone as I didn’t know why they were taking money from my bank.

I never heard anything from Vodafone to say I had a contract with them or I had missed payments with them.

I then received a letter to say I was in debt of £468.81 and they was sending it to Capital Resolve.

I immediately paid it all off and the account was closed.

vodafone now saying that I knew about it and the credit file team say I knew about it when I didn’t.

i really need help as I’m now 26 and trying to get a mortgage and this won’t happen with a error with Vodafone with a default on my file.

many thanks

tom

[Jason]

Hi @Tgarrish19. It's disappointing to see your Community post. We completely understand how troublesome this must be, especially when it comes to your mortgage prospects. As we don't have access to your account on the Community, there isn't a lot we can advise in general without taking a closer look into your account. You can contact our Credit File Support team regarding your concerns by completing this online form. All you need to do is select the correct option and explain the situation in the 'How can we help' box. 

If you'd like us to take a closer look, please get in touch with our Social Media team. 

[Tgarrish19]

Thank you very much @Jason .

i have just completed the form and hope to get a positive response back. 
I have sent a complaint form in however they are trying to say I knew about the account with Vodafone what is incorrect.

i hope this works.