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Late payments on credit report

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2: Seeker

Help please!!!

I took out a internet dongle contract with vodaphone in July 2019 being able to  cancel it at anytime.

I paid monthly then cancelled it  in september. I rang them up and they confirmed it was cancelled and there would be no future payments.

I then recieved a letter later on saying I have missed a payment for the total of £16 which I paid off straight away.

I have applied for a mortgage today on my dream house and have always had a clear credit score.

I have been rejected for the mortgage as my credit score states I have missed two vodaphone payments.

I have saved so hard for this house and for the sake of £16 I am being refused a mortgage I am absoulately gutted!

can someone please advise me how I can get these late payments removed!

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2 REPLIES 2
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17: Community Champion

As there is no account access support via this forum anymore @Ktuckley you would need to make contact with the Vodafone Social Media Teams via Contact-us-for-account-specific-queries as they have a dedicated Credit File Specialist Team who can investigate this situation for you.

Or Vodafone Customer services via 》contact-us. 

What we see sometimes is that a person cancels their Direct debit too soon thus not allowing any final payments to be collected by Vodafone.

I'm not indicating this is what you have done but am just giving an example.

The Credit File Specialist Team will investigate and if they find this not warranted then it wont stay on your Credit File for the 6 years it normally stays on for.

The Credit File Specialist Teams are not customer facing so there is no contact info for them.

I wish you all the best with this situation. 

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2: Seeker

@Ktuckley wrote:

I have applied for a mortgage today on my dream house and have always had a clear credit score.

I have been rejected for the mortgage as my credit score states I have missed two vodaphone payments.

I have saved so hard for this house and for the sake of £16 I am being refused a mortgage I am absoulately gutted!

can someone please advise me how I can get these late payments removed!


Well, I face the same issues recently with all these credit scores and these mortgages, and it's all about this quarantine period. I've become involved in this rental business and wanted to understood how it works, and few days of accurate searches, I found this website ( https://www.landlordzone.co.uk/ ), where they explain everything about rent payments, mortgages, landlord relations with tenants, etc. It helped me a lot.

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