URGENT ADVICE - Credit file default removal

[MTinney83]

Afternoon Folks,

I'm in dire need of some help - when cancelling my vodaphone account and porting my number over my accoutn, online access/alerts and DD were cancelled PRIOR to final bill being reconciled. As a result, i owed a final payment (unknown to me) and suibsequently this was passed to a collections agecny (to my horror!) as soon as collections agency contacted me and was made aware of the issue, full payment was made, and account settled.

This however has resulted in a hard default on my credit rating (despite full reconciliation as soon as i was made aware), which is now affecting my ability to secure a mortgage!

How do I go about requesting to remove the default, I  know others have been successful?)

I'm begging here for any assistance! - Can anyone help me sort this out?

@bandofbrothers - can you help!?

[BandOfBrothers]

Hi @MTinney83 

I'm unable to remove the default as it's not in my power to do so as I'm a customer like you.

The Vodafone Social Media Teams here have a dedicated Credit File Specialist Team who can investigate this for you but I must point out that we do see cases where the account holder has cancelled their Direct debit too early leaving outstanding amounts owed which if Vodafone feel they have exhausted means of collection they can without prior warning add a default which lasts 6 years even when paid off. It's status changes from outstanding to settled but still remains. 

Vodafone would only remove a default if the default was 100% incorrectly added in the first place.

I wish you all the best with this situation. 

[MTinney83]

Thanks for your response, apologies I seen you tagged as a ‘fixer’ on another related post where assistance was sought and a good outcome. 

How do i get the attention of the credit file team? This is impacting my ability to secure a family home, I’m begging for some assistance,

can anyone help? 

[Mark]

Hi @MTinney83, apologies for our delay in replying. I'm sure one of our Credit File specialists will be able to get to the bottom of the issues you're experiencing. As they'll need some personal information from you to help investigate this, please get in touch by following the instructions in the private message I've sent.

[Nickib123]

Hi, I’m dealing with something similar. Please could someone contact me.

[BandOfBrothers]

@Nickib123 

The Vodafone Social Media Team's do have a dedicated Credit File Specialist Team who can investigate but they can't access accounts from the Community Forum I'm afraid.

Please contact the Vodafone Social Media Team's via DM on Twitter or Facebook Private Messaging… Contact-us-for-account-specific-queries. 

[oliviaclaire01]

Hi mark, 

I am having the same issue with an old account. It was defaulted when I moved networks at the end of my contract with a pac and was not notified with my last bill which when I was notified in 2020 after the account was closed in 2019 I paid but it’s still showing default on my credit file. I’ve had no luck with Facebook and web chat communication could you please direct me in how to contact with the Credit file specialist team please. 

regards, Olivia 

[hrym]

When you say you've had no luck with Facebook, have you interacted with the team by private message there?   If so, what have they said?   They certainly should be able to put you in touch with Credit File Support, although that department's decision would be final.

[Mark]

Hi @oliviaclaire01, We'll be more than happy for one of our teams Credit File experts to take a look into the default that's been raised on your account. As @hrym mentioned, we'll need you to contact us privately through one of our social channels. When you send us a private message on Facebook or Twitter, our digital assistant will greet you. To speak to one of our team, simply select 'Get started' followed by 'Asked to DM'. Once you're in touch with our team, pop us your full name and the mobile/account number in question and we'll be happy to take a look into this for you.