Missed Payment on Credit Report

[Basanta]

Help please!!!

I took out a short mobile contract from Carphone Warehouse on Dec 2018 which according to the staff that time said the contract will end in 4 months and with option to  cancel it at anytime.

Upon 4 months i cancelled the Direct Debit on the contract not knowing the contract is still live. I did receive a letter of missed payment which i made a payment straight away and continued using the phone for 3 months; making regular payment. 

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 a Vodafone payments.

I have saved so hard for this house and for the sake of one missed payment I am being refused a mortgage and I am absolutely gutted!

I understand i missed  a payment (totally unintentionally) but that was one mistake out of 12 years with Vodafone(Customer since 2006). 

Therefore i sincerely request Vodafone team if they could be able to help me in this instance. I would really appreciate any kind of help or advice.

Kind Regards,

Baz

[Andy]

Hi @Basanta 👋 We understand how important your credit score is, we do always have to make sure a customers credit record is an accurate representation of their payment record with us. On this forum we don`t have access to accounts but if you follow this link one of our credit specialists will be able to take a look into this with you.