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08-10-2013 11:58 AM
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.
20-12-2019 06:49 PM
can i get some help with my credit report
20-12-2019 07:17 PM
@emmanunn wrote:can i get some help with my credit report
As there is no longer account access assistance via this forum @emmanunn you'll need to speak with the Vodafone Social Media Teams via Contact-us-for-account-specific-queries.
They have a dedicated Credit File Specialist Team.
Current Phone >
Samsung Galaxy s²³ Ultra 512gb Phantom Black.
20-12-2019 07:22 PM
THANK YOU
BEEN TERE DONE THAT! NO RESPONSE
21-12-2019 05:14 AM
21-12-2019 01:24 PM
Hey @emmanunn, thanks for getting in touch. One of the Credit File Specialists in our team will be more than happy to take a look into this default for you. Please contact us via Facebook at Vodafone UK, or get in touch on Twitter using the handle @VodafoneUK.
Make sure to pop your username and link to this thread in your message too, this will save you having to explain again and we can help you quicker.
21-12-2019 02:31 PM
thanks
already done this
had to go to financial ombudsman that part sorted
they have told me I have to contact Vodafone about default
all your social media team is say contact cisas I have explained the situation and still won't help
told them trying to get a mortgage to help my dad who had a breakdown but can't because of default ( incorrect ) as per financial ombudsman and just want it remove
told social team I am depressed with this I have messaged them at 2 in morning asking for help as feel in. Dark place still no help
23-12-2019 03:50 PM
I'll get back to you via Facebook now @emmanunn - to see if I can get any kind of update for you in regards to your credit file.
15-04-2014 08:06 PM
20-05-2014 01:04 PM
21-05-2014 11:04 AM
Hi Natalie_F
I think its best we take a closer look at your account, click here to send us your details.
Thanks
Sukhi