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Defaulted Vodafone account on my credit file

marekk
2: Seeker
2: Seeker

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 November 2012 (the default is for huge £14). 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 O2 and so I did. As far as I was concerned my Vodafone account was settled. Vodafone never contacted my about the £14. 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 £14 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.

 

 

459 REPLIES 459

Retired-Kay
Moderator (Retired)
Moderator (Retired)

Hi Adam, 

 

Take a look here for how to get in touch and we'll contact you ASAP to discuss this further. 

 

Thanks, 

 

Kay

 

Is this forum still active?

Yes should be I am still getting questions etc

Adam
Moderator (Retired)
Moderator (Retired)

Hi @kwilove If you'd like to speak with our Credit Specialists, please get in touch via the private message I've sent you 🙂

I have followed the link on the private message I was sent weeks ago and done everything that the message said to do and still heard nothing back! this is rediculous! Vodafone is literally the worst company I have ever dealt with! 

TJ
Community Manager (Retired)
Community Manager (Retired)

That's really disappointing to hear @maxineparks and certainly not the customer experience that we want you to have.

When you completed the form, we'll have sent you an automated email confirming that we'd received it. This would contain a reference number - it'll look something like this [#1234567]. Please confirm this back to us and we'll be happy to chase this up for you.

If you never got this email, we'll not have received your completed form. You can try clearing your cache and cookies, or using a different browser to complete this again.

Let us know how you get on and don't hesitate to pop back to us with any further questions, we'll be happy to help in any way we can.

 

Months later, still no reply from vodafone (worst company in the world) sent the silly form they get you to fill out via private message 3 times from 3 different locations never mind another browser and still nothing! meanwhile I'm still getting mortgages declined for something i paid fully and never knew anything about in the first place! how do I get this removed? getting really really frustrated now surely theres someone at vodafone actually willing to help and not send me a stupid form again which nobody responds to?????

Tash
Moderator (Retired)
Moderator (Retired)

I'm sorry to see you've been experiencing issues with submitting your details to us @maxineparks.

I've not been able to locate an email through the email address registered to your Community profile, so have sent an email to the address we have registered. 

Please reply back to the email I've sent and our dedicated team will be happy to help.

Retired-Andy
Moderator (Retired)
Moderator (Retired)

Hi markkb,

 

We’ll need to look into this for you.

 

Get in touch with us here.

 

 

Hi benjfelix,

 

We’ve got your email and will be in touch as soon as possible.

 

Thanks,

 

Andy

Hi there, 

 

I have a similar issue, the account has been settled for over a year now and it's still showing on my credit file as a default, can you kindly look into this for me?

 

Kind regards,

 

AdeId