VF Still Reporting My Closed Account To Credit Agency

[b86]

I canceled my vodafone account after many years, a few months ago - due to poor customr service. However, recently I was applying for a mortgage, but was declined because of too many open 'accounts'. I didn't know what they were refering to.

So, I ended up buying a subscription to a credit checking service, and noticed that Vodafone are still reporting that I have an account open with them, but paying £0 a month. This is as good as having an unused credit card/store card on your account - because lenders will see the 0 and expect that it could rise to anything.

I rang up to explain this, and turns out they owed me £45 (or there abouts) - so Vodafone, was going to carry on keeping my account open, instead of just refunding me when my account was *closed* initally. Instead, my accounts been kept open, waiting for me the customer to ring asking for my refund and to close my account - even though I was unaware of this money owed to me, as Vodafone have made no contact to get in touch with me (my address and phone numbers are the same).

So, the girl on the phone has now issued the refund and *closed* my account, and told me they'll write to the credit agencies to fix the problem and should take around 30-45 days. I kind of explained that this has been a problem with Vodafone, unwillingly keeping me in a contract (what it looks like on my credit file), without my agreement, and as a result means my credit file will not be updated in 30-40 days, and therefore cannot apply for the mortgage up until that point. Not to mention, it now looking bad that lenders will see I am applying for what looks like lots of credit (due to re-applying). Unfortunatly, the girl on the phone didn't understand the issue....

The same thing has happend with Sainsbury's who actually went above and beyond in fixing the problem, and even went as far as compensating me as we've potentially miss out on a property we like, and to some degree tarnished my credit file.

I probably wouldn't of been as bothered as much as accidents do happen, it was when she was casually talking like it was just a simple refund and my credit score didn't matter....

[Blink369]

Hi @Gemma

I am having the same problem, please would you kindly send me a private message with instructions?

Kind regards

[Gemma]

@Blink369 - It’s not good to hear you’re also in this position.

One of the credit specialists in my team can take a look into this for you.

Please follow the steps from the private message I've sent to you. This will show how to send us your details. 

[popsandrox]

I'm having the exact same issue. It's ridiculous that I have to chase Vodafone down just to get them to accurately report my accounts on a credit report, and all because I didn't request a refund I was never made aware that I was owed. 😡 Please can someone also send me the info about how to get this rectified?

[Alex]

@popsandrox I'm sorry to hear about this, we'd like to help get this sorted 🙂

I've sent you a private message with details on how to get in touch with our specialist team. 

[CarysK]

I have the exact same problem, only my account closed approx 3 years ago. I had huge difficulties then when my contract ended. I have just registered with Equifax and seen an active account with £0 balance on from vodafone last updated in November!

I have spoken to Vodafone chat who helpfully told me to contact Equifax, Experien and Call Credit on their various numbers as Vodafone cannot do anything about this but the respective CRAs can.

I don't believe this to be true as on here there is many a reference to Vodafones credit team.

Any help would be great. I need this gone ASAP and would like written confirmation from Vodafone upon completion

[JohnJ]

@CarysK I'm sorry to hear that your having issue's regarding your credit file.

So we can take a closer look into this, I've sent you a private message with details on how to get in touch.

[seandodd]

Hi,

I've just found this thread as I was searching for a similar issue. I was looking at my Noddle credit report and noticed that the Vodafone account I cancelled 3 years ago was still active with £0 every month. I left Vodafone under a cloud as they took £800 out of my account for a phone I returned to them. This whole process reminds me why I left them in the first place!

Has anyone had sucess getting them to sort their mess out? It's completely wrong for them to tell you to contact the credit agencies yourself. Only Vodafone can tell them that the account has been closed!

[Colleen]

@seandodd This is very disappointing to hear and we'll be happy to help 😊 I've sent you a private message with details on how to get in touch with our team. 

[seanyshow]

I am having the same problem, account closed in 2015 still showing as active on credit file.

I phoned customer services, they sent me to the store, the store sent me back to customer services, customer services gave me an email which didnt respond and I went back to the store again and nothing.

I contacted ofcom today regarding this.

[Colleen]

@seanyshow I'm very sorry to hear about this and it's disappointing that you've contacted us so many times, without a resolution.

We'll be happy to look into this for you and get in touch - I've sent you a private message with details on how to contact us directly.