Defaulted Vodafone account on my credit file

[marekk]

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.

[Alex]

@jst19872018 Our specialist team would be happy to look into this with you James 🙂

I've sent you a private message with details on how to get in touch with them directly. 

[gm3724]

I have a default on my credit file going back to 2013, I have tried several times to contact Customer Service and the Vodafone CEO by post and never received a response. Is there someone I can contact at Vodafone to try to resolve this?

[Tash]

@gm3724 We'd be happy to take a look into your account and resolve your query for you. So our dedicated Credit File team can investigate further, please follow the details I've provided in the private message I've sent. They'll then be in touch once they receive your details.

[maddie94]

Hi,

I’m having exactly the same issue! Default recorded on credit file with no notification from a contract that ended in April 2017. I was only aware of an outstanding balance once I received a letter from a debt collection agency!

The amount has been settled now, but the default still shows and this is really worrying me about my future credit prospects - all through no fault of my own!

Please can someone assist?

[heidi102030]

Hi.  Just to let you know that Vodafone did lift the default from my credit score after 6 months with no warning at all ! My credit score is now good again.  I think they may do this so that you can't change to another supplier!  Good luck but I did get sorted and I just let it ride although I could have done with some credit at the time but as I said they lifted the default without telling me.  Good luck!

[TJ]

I'm sorry for any inconvenience this has caused and understand your frustration @maddie94. The credit file specialist in our team will be more than happy to investigate this default for you.

So they can do this, I've sent you a private message with details on how to get in touch with them directly. 

[maxineparks]

Hi I have just been advised about a default on my credit report from vodafone as well, seems they love doing this to people! Also whilst applying for another mortgage like many others on here. how do i go about getting this removed? It was a £14 contract that I originally cancelled in 2012! but they dragged it on for a good few years after that despite me ringing up to cancel it about 6 or 7 times only to carry on being charged and now this! Great company vodafone is! any advice on getting this removed would be greatly appreciated.

[Mark]

I'm sorry for our delay in reaching you @maxineparks. So we can look into the information we've added to your credit file, please contact us via the link in the private message I've sent.

[Dariusz]

Hello. 

I Just it the simmillar situation as markk. Get default while I was sure my account is settled. The only communication I receive was from debit collector who toiled me that I owe money to Vodafone. So I phoned the Vodafone they toils me that I have to pay £19 so I did but they recorded it as default on me credit file. What do I need to do to have it removed as I twos never my intention not to pay £19 and As soon I was a are of this I paid it of. 

Please can anyone advice what do I need to do to have the default removed from my file. Thank you

[Mark]

I'm sorry for our delayed response @ConfusedGuy and @Dariusz. We'll be able to get one of the teams specialists to look into your credit file queries. As we'll need access to your account to do this, please get in touch by following the instructions in the private message I've sent you.