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fredbassett

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Posts posted by fredbassett

  1. Hi, Brandibroke, Have you contacted the Vodafone Web Forum on behalf of your friend? She will need to authorise you to help her deal with the account. As other people have mentioned, getting a copy of her credit file is really important. It would be best to get one from Experian and one from Equifax as not all lenders report to all three credit reference agencies (there is another one called Callcredit but Experian/Equifax are the biggest two) - this way she will see exactly what has been taken out in her name. In the case of Vodafone it would be worth contacting the Web Forum advising the situation. Rather than worry about the ins and outs of whtether a contract was signed (using the service and paying for it has tended to be taken as acceptance of the airtime agreement) she should ask for it to be investigated by the Fraud Team - if the application was processed over the internet it may be possible to prove impersonation fraud. If it was taken out in a shop she may be able to prove some sort of coersion - to prove this she will need to back this up with as much evidence of her ex's behaviour as possible - i.e. police reports. If she can provide this they may be willing to come to some sort of arrangement to either pay in instalments or reduce the debt. Another thing - dont forget he still knows all her personal details so she should get herself either registered with CIFAS - she needs to ask to be put on the protective register - this means whenever she applies for credit the lender has to follow more rigorous checks. She can also add a Notice of Correct to her Credit File with Experian, Equifax and Callcredit stating a certain password and advising that no form of credit must be given unless the password is quoted.

     

    Finally - good luck to your friend and dont forget that the CAG and Citizens Advice Bureau etc will offer her support and advise regarding her finances.

  2. If you've been in contact with Equiax then use them to raise a query to Vodafone. They will be able to provide Vodafone with the account number. Vodafone have bought several companies out in the last few years and therefore older information may not be easily available on their main billing system. Was the account taken out through Singlepoint or Carphone Warehouse at all? Equifax will liaise directly with the department at Vodafone who are responsible for dealing with credit file queries. I believe their address can be found on your credit file (I know my Experian credit file shows a list of useful addresses for all the lenders I have agreements with).

  3. Don't forget that prior to an account being settled there's only so much account history prior to the settlement status that can be held. Its either 36 or 48 months worth of history so as new history gets added to an account the older history starts falling off so in that sense the account may have had historic late payments but if you keep the account going and pay on time each month the old late payments will fall off your credit file.

  4. any account that is settled will be removed from your credit file completely 6 years after the settlement date. any account that is defaulted will be removed completely from your credit file 6 years from the default date regardless of whether it is settled as a later date i.e. account defaulted in 2005 but default then satisfied/settled in 2007 will be removed 6 years from the 2005 date. the same rules apply for CCJ's and bankruptcy

  5. I believe they have an eForum Team on their website or you could write to their Customer Relations Department. Have you received your final bill and does it state on the bill how the payment will be taken? Usually it will say whetehr its on direct debit and when the due date of the direct debit is. Have they sent you any previous collections letters regarding the outstanding?

  6. Singlepoint were an independant service provider who used both the O2 Network and the Vodafone Network. Singlepoint would have sent you the invoices and again it would have been Singlepoint who levied any late payment charges, not the networks. Vodafone acquired Singlepoint several years ago (approx 2005) and Singlepoint as a company ceased to exist. I don't know how you would go about claiming charges against a company that no longer exists, but there may be someone on the forum with some legal contract knowledge who could help.

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