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....

[Swasterix]

Don’t be sorry! With all the surprise and disappointment around here, a moment of joviality is to be cherished 😉

[sh-o]

I am having the exact issue reported by others in this thread - my credit score is being affected by recurring bills of £0 from an account with vodafone that hasn't been active for over a year.

Could I please have details to contact the team who can fix this as this issue is having an unacceptable effect on my financial history.

Thank you.

[ewanrw]

Hi,

Similar problem here...

I signed-up for fibre broadband with you guys, but the cabinet was full, so the order ended up getting cancelled off after my billing account had been set-up however you're reporting £0 balance on my credit file. Can you put me in touch with the credit team to get removed?

Thanks

Ewan

[Gemma]

@sh-o @lallen777 @ewanrw - I’m sorry that you've all had to contact us, about this still showing on your report.

One of the credit specialists in my team can help.

Please send us your details by following the steps in this private message.

[ewanrw]

Done and email recieved with ref number.

ewan

[Makelo]

Unsurprisingly, I too have closed accounts still showing as open on my credit file.

All up to date with £0 balance, but they shouldn't be there at all as they were closed.

If one of the forum team could help me to rectify the problem I would be grateful,

[Gemma]

@ewanrw - I understand we’ve now been in touch. If there's anything else you'd like us to help with, then please let us know. 

@Makelo - We can help and look into why it’s still showing on there.

I’ve sent you a private message with how to send us your details. One of the credit specialists from my team will then be in touch as soon as they can. 

[hilow73]

Hi, Ive just noticed the same thing happening to me after registering with Noddle for my credit report. 

If you can let me know the best way to get this sorted (I left Vodafone years ago) I'd appreciate it. 

[Kamelo]

Looking shortly to apply for a mortgage I did some checking on my credit file to see what is there. This is when I discovered that the same thing has happend to me also for a Vodafone account I closed in 2016.

There is nothing outstanding on the account, it shows a balance of £0 but it shouldn't be there at all as it was meant to have been closed over a year ago.  Reading this thread I can see it's a common occurence.

I did try to resolve this over the phone but the call handler couldn't seem to understand the problem. His final response was "Even if what you say is true that the account is still showing as open on  your credit file,  as it showed a balance of £0 then what is your problem?"

Shocking really.

Anyway, seeing as the staff here seem to be more on the ball I would be very grateful for some help in resolving the situation to get my old account fully closed.

[Colleen]

@hilow73 @Kamelo It's really disappointing to hear you're having problems with your credit files. 

We have specialist members within our team, who'll be happy to help get everything resolved for you 😊

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