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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.
01-10-2015 09:22 PM
Those people who have had a default marker removed were those where Vodafone made an error and placed the marker after they had sent a final bill showing a zero balance and a letter of closure.
Where there was an outstanding balance this has to be reflected on the monthly return made to the credi reference agency. You can of course ask the credit agency to put a notice of correction on your file explaining why the debt to Vodaone came about.
12-01-2016 09:56 PM
14-01-2016 11:17 AM
21-02-2016 12:09 PM
16-03-2016 01:19 PM
Hi Please help!
Very similiar to marekk except mine was £9. Here are the facts.
I was talked into this rolling pay as you go bundle by the Vodafone teller in Leeds instead of a bog standard pay as you go sim.
When I cancelled my pay as you go bundle the teller said I didn't owe anything (again in Leeds)
All was fine I was transferred onto a pay as you go SIM and on I went with life.
Out of the blue I received a letter (quite alarming saying I owed said amount and I needed to contact Vodafone urgently!) which I did.
Had a telephone conversation with the member of vodafone staff where I settled the amount for £9, when I asked if this would go on my credit score she laughed and said "no not for £9!" that must be recorded somewhere!
It is also worth noting I didn't receive any bill/invoice for said amount otherwise I would have paid no problem!
Can someone/vodafone please advise how to resolve.. I am intending starting my own business in a few weeks and would rather not blacken my impeccable credit score for £9 which i didn't know I owed!
TIA
23-04-2016 08:03 AM
23-04-2016 08:42 AM
The only people who have the authority to remove the flag on your account are COLLECTIONS on 191 on a weekday.
You should when speaking to collections be able to pay the default balance using either a Credit or Debit card.
If you have not already done so you can ask the credit agency to put a Notice of Correction on your account where you can explain the reason for the default marker.
25-04-2016 10:26 AM
@Shab15nam - I've sent you a private message with details on how to get in touch.
For anyone else with the same issue, try the steps listed here and if you’re still affected, contact customer service.
26-04-2016 03:59 PM
26-04-2016 06:33 PM