Quick update. I have given notice before action to Vodafone head office and Vodafone finally responded to my stating it's been passed on to Lowell. After speaking to Lowell they have stated they have had no information from Vodafone and do have it on their records the previous incident. Obviously with it being Christmas I am a little short on cash however I have filled in the required information on the MCOL website and shall be paying the fees in the new year. I have also been rejected for both a santander student account and Halifax credit card since this default has been applied. Lee I have nothing against you but you refused to budge last time and I am seeking compensation, something I doubt you could offer. I have the letter clearly showing my account was closed yet you denied constantly that I ever closed the account as did the person from company house

Having been extremely busy the last few months working full time and attending college (as I was refused a mortgage due to this default) to change career I have not had the time to sort this out, as the reasons stated have put me under a lot of pressure. As for Lee, I have written several letters, spoke several times on the phone and used online chat to try to resolve this. I feel now that compensation should be due to the amount of time of the last 2 years and substituent possible refusal of credit that this false default has incurred. I shall also be forwarding all my correspondence with Vodafone to the major credit reference agencies asking them to remove the default or face legal action. I will try and update when possible (starting University in a few weeks so need to put my time into that)

So I had no joy with live chat (promised to be in contact and hasn't) and sent a letter asking for them to resolve but they have not replied. Now do I claim through money claim online and ask for compensation or complain to the ICO. How quick are the ICO to act?

Thank you for that email, I have sent a strong message with an attachment of the letter I received from vodafone, currently on the live chat to there CS team who deny sending the letter out! They are a bunch of cowboys

Old thread I know, but every so often I request a credit report and have done so recently Now I had the default removed due to me finding the required documentation from Vodafone that my balance has been settled. I forwarded this to Lowell and Vodafone and the default was removed. Now last month they have reapplied the default but under Vodafone and not Lowell

Thanks but since this came from their quality assurance team I very much doubt he could help. I am going to write to them and let them know that I will now be seeking compensation. Should I write to the data controller

SI have received a cheque today from Lowell (Hurray) and a letter from Vodafone (not so good) This is what they have said "I have looked at your account and I can confirm we hold no record of receiving your 30 day termination notice advising that you wish to cancel your account. Due to this the account remained open and subsequently charged. however as you have provided a letter from Vodafone confirming your account will be cancelled. I can offer no confirmation as to why your account was not cancelled or your letter not logged. I will remove the default and the late payments recorded for December 2011 and January 2012". Thats the good bit. It then follows "Having checked your call charges I can confirm that the handset was still being used up to and including November 2011 so these invoices you will be charged for and the late payments will remain recorded on your credit file gor October and November 2011." This is totally incorrect, as stated by Lee in one of my phone calls to him no outbound calls/messages were made after the July/August (not 100% sure which he said) from the handset. Call forwarding was setup however so may have diverted my calls a few times. It goes on about my account being sold to Lowell and then. "I can confirm that once the adjustment has been applied to your account you will have an outstanding balance of £97.72 which you will need to pay. Please contact the Lowell group to arrange payment" So is this justifiable? As my contract was for £35 per month and they wish to bill me nearly £100! I know for a fact one I cancelled the account I never used the handset to make any calls, and even so they should have disconnected me anyway. Should I make a subject access request to find out what calls were supposedly made as well. What steps should I now take, as a late payment for a contract I cancelled surely is not good enough, never mind the huge amount they want. Should I complain to the ombudsman? I am starting to think about compensation now as well, as this is starting to stress me out. Seems like vodafone want to milk every penny off people. Thanks for any advice

The only thing I paid out for is for an experian account. And posting a few letters. But apart from that not really.

Hi HeaviTree, I have just had a similar situation to yourself and will be following this thread very carefully

Hi HeaviTree, I have just had a similar situation to yourself and will be following this thread very carefully

Thanks, I have already read that thread. So what would you suggest? In terms of buying a house mine and my partners circumstances have changed so it has been put on hold temporarily.

Sorry for not updating the thread. I sent the document in via post last Thursday (the CAB advised me to do this). The default appears to have been completely removed from my credit file, and Lowell are sending me a cheque for a refund. They say they still need to speak to Vodafone to confirm this then they will close my account. I am still waiting to see if Vodafone issue a final balance on the account. So I would like to everyone on here for there advise, and for Lee for helping me out. Regards

My step father passed away in early 2010. We arranged a funeral service with a local company. As my sister, who was 17 at the time, was officially his next of kin (I am not blood related) she asked about claiming the funeral costs through the DWP. The funeral provider assured her this was possible, and that they could offer a basic service with a cremation. They helped her fill out the forms for the DWP and sent them off. Approximately 2 months after the funeral, the funeral directors wrote to her asking about payment. She in turn phoned the DWP and they simply replied 'it was being processed'. That was well over 3 years ago. Yesterday she received a letter from MCOL with the funeral director for a claim of £2232 plus interest and fees. It specifically claims they have written to her on several occasions, which is untrue, as stated she has heard nothing for 3 years. Any advice on what to do? Does the fact she is was under 18 at the time get her out of any contract/agreement she signed? The fact that we heard nothing from the DWP or funeral directors in over 3 years? I am going to seek advice from the citizens advice bureau tomorrow. Should I return the form and defend the claim, as I know I have 28 days to file a defence Thanks in advanced

I do, I have a confirmation letter. So I am going to write to them and ask them to remove the default. The big question, should I make a claim for compensation. It has stressed me out and the possibility of losing the house we wanted. If so, for what amount? And if they fail to remove the default, what course of action should I take

Lee has just phoned. No record of me cancelling the contract even though he confirmed I hadn't actually used the sim since June 2011. I had set up call forwarding. I do wonder why they didn't actually phone me. Lee stated they think the default is fair and therefore will remain