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Default to credit rating - URGENT

Josephine111
3: Seeker
3: Seeker

Please can someone help, I am being refused a mortgage due to a bad credit rating from a bill I didnt owe to Vodafone.

 

I closed down my account at the end of 2015 and in Jan 16 I got a bill for £22.38. I didnt owe it as I had closed my account and had been on direct debit so ignored it thinking it was spam or just an error on Vodafone's part.In May 16 I eventually replied back to the 'donotreply' vodafone address saying that I didnt owe the money to them.

 

I then stopped getting emails from Vodafone saying I owed the money.5 months later I checked m y credit rating which says I am in default of that bill and it has affected my score badly. Then I woke up today and for some reason I have the same bill showing again as having been dafaulted!

 

I need Vodafone to contact experion and sort this out. it's unacceptable. If it means I have to pay £42 I dont owe just to sort this out I dont care but it's appalling that the emails stopped (essentially vodafone accepting their error) and then I am having to chase 5 months later for an answer and am being refused credit from a mortgage lender.

 

please can someone help and call me on 07789217666 or email me 

to sort this out? I am not being allowed to post my email address here, frustratingly.

1 ACCEPTED SOLUTION

BandOfBrothers
17: Community Champion
17: Community Champion

Hi.

 

I appreciate and understand how damaging a default and or marker can be ,and the difficulty in having one removed from a Credit File.Below in Bold is a help guide that explains which department to ask for - 'Vodafone Credit File Support Team' - and how to add a 'Notice of Correction' via Experian. It is Free to add the Notice of Correction. This gives you the tools to add notes on your Credit File to explain why the Default is showing.

 

It's a Do not Reply email address for a reason. They wouldn't have probably received your response. 

 

It would only be worth adding this if you think the default is wrong and shouldn't have been applied. Please take into consideration that a Default will only be removed if it was reported on your Credit File incorrectly. This is why it's important to speak with Customer service first to clear up why this has happened before the Credit File Support Team can help. 

 

The Vodafone Community Forum Team will engage with you here if they can help too. 

 

Default-on-your-Credit-File-and How-to-add-a-Notice-of-Correction.

Current Phone  >

Samsung Galaxy s²³ Ultra 512gb Phantom Black.

 

 

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26 REPLIES 26

hi this is sorted now. thanks

No this has not been solved - I have actually just sent a registerered letter to Vodafone outlining all the issues the online chat and a copy of the issues with the bill which I complained about back on March 17th 2016 which has resulted in the default on my credit rating through no fault of my own.

 

I have also forwarded and spoken to the Ombudsman who are also picking up the case for me 

 

And finally I am picking it up with Experian as well 

 

If you can provide any assistance it would be appreciated - I cannot believe the treatment i have had through vodafone

Nabs
17: Community Champion
17: Community Champion

@EmaLC have you followed the instructions @Amanda sent you via PM?

Becca_P
Moderator (Retired)
Moderator (Retired)

@EmaLC

 

Did you follow the instructions on the private message @Amanda sent? If so, let us know the reference number (#123456) from the automated response.

Hi,

I have found a default on my credit file that has nothing to do with me. I have never had a relationship with Vodafone. How do I get this removed URGENTLY!?

 

Is there a number I can ring as the standard number just keeps putting me throught to customer service advisors who dont seem to have a clue about what they are talking about.

I want to speak to someone from the credit file team not just anyone from customer services as I am NOT  a customer and I have no account with you.

 

Thank you.

@TheDarkKNight85 So we can look in to this for you, please contact us by following the instructions in this private message.

forumfairy
13: Advanced Member

I'm sorry to hear you're having such a tough time with this.

 

Sadly, the "donotreply" email address wouldn't allow incoming emails so they wouldn't have received any response back from you. It is likely that the stopped emailing you as the details of the outstanding amount had been passed to a Debt Collection Agency for them to try to recoup the funds.

 

Although you state that these funds were not owed, it would be best to contact Vodafone direct on 03333 040 191. As you no longer have a valid mobile number with them (possibly a cancelled account) when it asks for your number through the IVR prompt you can ignore this and after the third or fourth attempt it will re-route you direct to the customer services team. Be sure to mention to them the account is cancelled when giving your details. They will be able to advise on what was being advised to you as outstanding and where this amount has come from. Alternatively, you could contact the live chat team here. http://www.vodafone.co.uk/contact-us/

 

The Tech Team do read the messages on here but it may be a quicker option to contact Vodafone direct on one of these options (a lot of the other posters here are also fellow customers or people who want to give advice due to their own experiences).

 

I hope this is sorted out soon for you.

I am also having the same probelm its effecting my life massively please help me 🙁

TJ
Community Manager (Retired)
Community Manager (Retired)

@Geordie2811 I'm sorry to hear about the problems that you're having and I'd love to help get this resolved for you 🙂 I've sent a private message to your inbox with details on how to get in touch. Our Credit File Specialist can then pick this up and investigate for you.

Nabs
17: Community Champion
17: Community Champion
@EmaLC if you sit tight ome of the team will be able to get in touch and take a look at this for you. Just to let you know though it can take a day or 2 to pick up every thread, especially during busy times.