my partner is looking to apply for a mortgage soon

I've been helping him look into his credit files etc.

I noticed in 2011 he has some AR markers from Vodaphone.

He can't, to the best of his knowledge, remember any such arrangement.

Account opened: Feb 2009

Account closed: Jan 2015

Account status: Settled/Closed

Following dates marked with 'AR':

2011 - Jul, Sept, Oct, Nov, Dec

2012 - Jan

Dates thereafter:

Feb 2012 to closing of account in Jan 2015 all marked as 'OK'.

We've wasted two afternoons trying to get clarification from these jokers.

Firstly on live chat,

where they said they WOULD remove the AR markers as the account shows as settled (erm, right), but we'd need to call them.

Same day called the number they suggested.

2 hours on the phone on hold and getting passed around,

won't bore you with the details.

Promised call back Tuesday, naturally they didn't call back.

today we called back.

Again, several hours on the phone

- Not passed to credit file support team as requested.

Listened to a load of waffle,

then told credit file support team now closed anyway.

Told will call back tomorrow, will receive a text with details.

Haha, did we hell.

I'd bet good money they won't call back.

with the view of getting these AP markers removed

, what would you suggest is a good course of action to take?

As it stands,

I've just typed up a SAR request which we will send with proof of identity tomorrow.

Anyone had experience with this sort of thing? I'm doing my usual trawling of the forum for similar cases.

Many thanks, as always.

Oops, my bad, DX Thank you.

you did nothing bad

but good reading there.

dx

Just been reading through the threads...

Wondering, since I'm SARing Vodafone - if they cannot produce proof of the agreement to pay - do we have grounds to request removal of the AR/AP markers?

sadly doesn't work like that.

dx

Ok - I'm just trying to figure out what leverage we have, if any. The account is closed and settled, so no bargaining power there.

All threads I've read relate to creditors that have credit agreements, obviously that isn't the case with Vodafone.

Vodafone just waffle incoherent babble on the phone. Even said AP/AR markers don't effect credit file negativity - Pull the other one. If they fob him/us off with nonsensical rubbish again, I guess I'll just await SAR, maybe contact customer complaints. Exhaust all avenues then contact Communication Ombudsman Services and Financial Ombudsman, I guess.

Update on this. Still no reply from Vodafone after they signed for complaint. Shortly be approaching 28 days since first contacted them about issue. Credit ref agencies said wait 28 days, then if no response they will lodge a dispute with Vodafone. If Vodafone do not produce evidence of agreement to credit reference agencies, they will have remove it, according to credit ref agencies.

Update.

Today is the 28th calendar day since Vodafone signed for the complaint letter, and thus the complaint can be escalated to the communications ombudsman.

Original letter only displayed an address and asked for all correspondence to be made to that address.

None received.

However, today my partner received a rather panicked email (no email mentioned in his original letter as a return correspondence form, must have found on old account info) from someone at Vodafone saying they are very sorry etc

they have looked into the complaint and they will remove the AP/AR markers.

Obviously knowing full well they haven't responded nor debt in the way they should have.

But hopefully this is a 'win' situation.

However, won't hedge any bets until they confirm action via postal letter!

well reply to the email and state they are still showing

They said in the email they have submitted for them to be removed, it can take up to 30 days to show?

Letter also received in the post last week confirming what they had written in their email,

plus transpires I actually found the email address of a Vodafone director and contacted them about the situation (I'd forgotten I'd done that), and that's the only reason the matter has been addressed.

Vodafone are the pits.

Yes - Yes they are...