Vodafone Default Notice +please Help Someone

[williewonka]

On 06/02/07 i obtained a copy of my credit report from experian - to my dismay i had discovered a default notice from vodafone.
The bill was from a previous address which i stayed at in march 2000.
Il left this address to go to london for a new job and by obviously my mistake i left someone with the responsibility to pay the final bill for me(which was not paid as i have jus discovered this week).
Since that date i have never recieved any notification on this outstanding ammount and or why this issue was never raised until i recieved my credit report after 21/01/07.

AT NO TIME DID I OR ANY OTHER PARTY RECIEVE A NOTIFICATION LETTER FOR INTENT TO ISSUE A DEFAULT NOTICE PRIOR TO THE DEFAULT BEING ADDED TO MY CREDIT HISTORY.

ALSO THE DEBT WAS NEVER PASSED ON TO ANY CREDIT COLLECTION AGENTS TO COLLECT AS VODAFONE HAS INFORMED ME.(AFTER NEARLY 7 YEARS WOULD THIS NOT HAVE BEEN DONE)

The account debt was from 01/03/2000

The default notice was issued on 27/07/2006

The credit file was not updated till 21/01/2007

At no time had i or any further tennents of the address recieved any information what so ever. This as quoted by the vodfone advisor could possibly be the result of vodafone having an anomoly on my personal address details.
They hold a incorrect postcode for my previous address which they said could possibly have been directing mail away from my address.

On discovery of this i contacted vodafone immediatly and the service advisor brought up to date my account....which i paid with immediate affect to the tune of £165.
The advisor advised me that the credit reference agencies involved would be contacted and the default would be assigned as SATISFIED .


However this is now causing me monumental problems getting a mortgage and my credit rate wa exemplory apart from this. i honestly think it needs removing as it is unfair the way vodafone has delt with the situation

can anyone help or advise..

regards

[buzby]

Oh dear. They donl't need to issue a formal warning - but I'm amazed it took them so long to put the default on file - it SHOULD have been there from the original date, and dropped off after 6 years.

I'd write to your Vodafone contact, explaining you paid immediately aware there was a debt owing, however you feel it unfair that a debt that lay dormant for X years was only noted on your file in 2006, meaning the company will be penalising you until 2010 - even though marked satisfied.

Ask for the matter to be referred to a superior, as if this blight is to remain on your credit file, you may have to resort to legal action to enforce its removal.

[ronnie biggs]

WOW! - A very sharp letter explaining that vodafone were at fault and this is a case for further action and a little letter to experian for a notice of correction and hey presto....Apoligy from Vodafone and complete removal of default notice from my report--

Now im to see if i can get any compensation from them due to unrequired stress.... see what happens... anyone ony problems with vodafone defaults , id be happy to assisst....chris

[buzby]

How does this fit in with williewonka's original post?

[ronnie biggs]

i lost my details, so i am willywonka

[buzby]

Hi Chris = ~Who's suggestion for a Notice of Correction? Vodafone have the power to remove entirely, so a NoC isn;t really appropriate if they've addmitted to their mistake!

[ronnie biggs]

wrote to experian at the same time to submit NOC, they contacted me to inform me that they were also writing to Vodafone to get there view.....

At the time i did not know if i was right or wrong.... bombarded them really and got my result,...... got to stand up for whats right... more you do within the legal side of the issue is more to represent your case.... all happened within a week or so......


without predjudice..

[buzby]

Ah -Good to know you got it sorted anyway. Next time, make it WITH prejudice