Default

[Sionedward]

Hi,

I have recently applied for a mortgage and to my surprise the application was declined. Reason - credit check fail. The thing is that I have never missed a payment on anything and so my financial adviser told me to get my credit report from experian and find out what is causing the issue. What I discovered is that Vodafone recorded a default on my account that I believed has been closed in June 2015(the default is for  £19). The contract has run out at that time and so I contacted Vodafone and told them to close the account and that I'll be moving my number to EE and so I did. As far as I was concerned my Vodafone account was settled. Vodafone never contacted my about the £19. If they did I would have paid it. Even if the payment was to be one month late it would not damage my credit profile. Is it even legal to default my account without some sort of communication to let me know? 

Straight after I got my credit report I called Vodafone and paid the £19 over the phone. (the account will soon show as settled but the default will stay) I asked them if I can get the default removed from my credit file and they couldn't tell me so they asked me to wait and that they will be in touch within 5 days. Yeah right... I called them again after 5 days and asked them to remove the default. I was told that it cannot be done because I did not pay my bill for 10 months. I was furious after the phone call. How can I pay for a bill that I dont know even existed?

I would really appriciate some help with this matter. I know that some people have been successful with getting the default removed.

[Sionedward]

They apologised on the phone saying its their fault as they didn't imform me at all and they would remove the default in 3 days this was over a month ago and its still there...

[Tash]

Were you able to contact our team @Sionedward? Please ensure your Community username is included in your message along with a link to your post - not only will this mean you won't need to repeat yourself but I'll also be able to check the progress of your message.

[Pabla816]

Hi all

I am finding myself in the exact same situation. I changed contracts last June to O2. I paid whatever I was told to clear my account and was under the impression my account was closed. Fast forward to February 2020. I received a letter from a debt collection agency saying I have £20 outstanding on my Vodafone account. Although this was very confusing to me. I paid it off so my credit score wouldn't take any damage. 2 months later I was refused credit. So after checking my credit score. Here i saw that Vodafone has put my account into default. I phoned them right away and was told there was now a £51 outstanding balance. I paid this and was told my default would be removed. Over a month later, nothing has changed and it's just showing as settled. There was absolutely no contact made with myself. Despite the fact Vodafone having all my contact details, including email and home address. Due to being a pharmacist in the NHS, I've been preoccupied the last few months with COVID. So have not had the chance to try and rectify. I did speak to someone through the Twitter chat log. And I was told I would have been contacted on the number I had with Vodafone. With which I replied, how would I know that when I no longer have this number after ending my contract with them....

I find this very unfair. And I would like the default removed. Not to mention it has tanked my credit score from Excellent to very poor...

[DaneB]

Hey @Pabla816, please drop us another message Twitter so we can look into this with you further. Please include a link to this thread so you won't have to repeat yourself. 

[fsa302528]

Hi, 

@sharon86   @Pabla816  @Antonyuk11

I am just wondering if you got anywhere with this? I'm in a similar situation. Drop me a message if you didn't. I might be able to help.

Thanks 

[Antonyuk11]

I'm in same boat and Vodafone are terrible at doing anything. I would ask for a copy of the call recording and take it to citerzens advice and the omblessman or trading standards