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Pay monthly

Default on credit report. HELP!

2: Seeker

Hi,

 

I am hoping someone can help me  I recently tried to apply for a mortgage and was declined and from looking at my credit report I have a default with Vodaphone from 2014. I was unaware of this default at this time until Lowell contacted me informing me that the account has been passed on by Vodaphone. I contacted Vodaphone as this time as I had not received any written confirmation that this account was defaulted and was unaware until Lowell contacted me.
I was reassured by Vodaphone that this default would be lifted as there was miscommunication however, I have only recently discovered that has not been the case and my account still remains defaulted on my Experian credit file.

I have contacted Lowell as I am aware they are the current owners of this account however, they have clearly stated that as Vodaphone were the original defaulters then they can not drop this default unless Vodaphone correct this and inform that of these changes.

I feel this is massively affecting my life again as I am unable to apply for a mortgage or any credit for that matter with this default hanging over my head 

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12 REPLIES 12
17: Community Champion

Please let the Vodafone Social Media Team here catch up with your thread and bring you in away from the open forum to pass security checks and they'll help you further with this situation by passing the info to their Credit File Specialist Team. 

If a default is found to not have been waresmtied then I'm sure it'll be removed. 

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2: Seeker

Ok thanks! hopefully they can help

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Moderator

Hi @jmcginley, I've replied to your other post here, with more information on how we can help with this.

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2: Seeker

I too have had exactly the same treatment as many other people have here. I thought I had paid all I needed to close an account and got no written correspondence about money owed until Vodafone had passed the ‘debt’ on. The only difference is that I have called 3 times now asking for people to help with this matter but kept getting passed around, explaining the situation 3 times to different people just to be told that someone will “call me back”. Not once has anyone called back and am getting fed up! 

 

Experian also says I still owe £18. When I call, Vodafone say they can’t see that I owe anything and am 100% I paid all I owed to the debt collection agency that Vodafone pss matters too. This is many years ago so am confused as to why it is still showing I owe money?! Also, considering the situation would like it to be removed completely as I feel I was a loyal customer to Vodafone for many years and the I get slapped with a huge bill when I could have easily paid the £18 originally owed if I knew it was outstanding!

 

please let me know how I sort this out as I am applying for a mortgage in January 2019 and don’t want the same issue many others are having here.

 

 

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Administrator

@Tatumlcolclough We'd be happy to look into your credit report for you and make any necessary changes. So our team are able to investigate, please contact us directly using the link in my private message

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2: Seeker

Hi,

 

I am in desperate need of help I have just checked my credit report and have seen that there is a default payment owing to Vodafone which I have never come across before I dont understand why this is on file as I have never had a contract with Vodafone and it showing that the account was opened in 2011 and updated again in 2013, I do not understand why this maker is on my name as it is seriously affecting my credit rating and causing me a lot of distress as I have never been with vodafone in my life.  Could someone please help me with this as I have tried contacting customer service but with no prevail. I really need this marker removed from my file asap can anyone please him I would be really grateful for any assistance. 

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Administrator

@Ali3010 We'd be happy to help out and look into this default and your credit report. I've sent you a private message with details on how to get in touch with our team.

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1: Seeker

Hi,

I am having this same issue, could you please let me know how to contact the credit team directly as I’m having no luck with the customer service telephone number.

thank you 

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2: Seeker

Hi,

 

I actually don’t know how to contact them but it seems someone from Vodafone has contacted me on here and asked me for my info to deal with the situation as soon as I get any more on how to contact them I will pass it over to you. 

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Moderator

@Kirsty92 Apologies for the delaying in getting back to you. I'm sorry you're having problems with your credit file and we'll be more than happy to help 😊 

So we can access your account and take a closer look I've sent you a private message with details on how to get in touch.

 

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2: Seeker

I have had this exact problem, receiving debt management letters from a third party pertaining to a dongle I allegedly had - which I didn't. I had been a Pay Monthly customer but had decided not to renew my contract, even after been offered incentives to stay by rententions department. After receiving a number of these letters, I made a phone call and was told about this dongle which i said i  never had, and that was the end of the letters. However, when applying recently for a personal loan I was refused - lo and behold there is a Vodafone black mark on my credit report! Help please?

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Moderator

This isn't good to see @Mccooey, I'm sorry you've had this kind of experience after cancelling your account with us. So one of our teams Credit File specialists can look into this, please contact us through the link in this private message.

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