Hi I went into debt management over 3yrs ago. I have been paying Barclays monthly through debt management however they have been logging 6 payments overdue continously all this time. I now have my life back on track and applied for a new mortgage but this Barclays 6 overdue payments for years is killing my credit. The original card was with morgan stanley and barclays have stated they dont have the full agreement but i should keep paying anyway. To be honest I am not trying to get out of paying I need to know can they register 6late payments or more every month even though I am paying and would i be better off just not paying. I need to do what is best for my credit asap. Please help if you can

Hi, I had a small business and my account manager at Barclays introduced me to asset finance to help manage invoices. Barclays moved me from the small to medium product and charged me 20k (I was told it would be 500£) for doing so. I complained they agreed THEN froze the account I couldnt pay suppliers company went into liquidation with me being left in over 60k of debt. I had signed a personal guarentee for 25k which I was assured was only in place to stop people running off with millions. Anyhow after the liquidation Barclays decided to take me to court for this PG even though the whole thing was down to them misselling a product. I couldnt afford the court costs (20k +) so was advised by citizens advice to go to the Ombudsman. I produced actual evidence Barclays produced statements from staff which i proved are lies with email evidence (the person who works for Barclays and lied in the first place Barclays no longer have working for them and cannot get in touch..) and the ombudsman found in Barclays favour somehow. They have now sent a court letter requesting no hearing and that I am ordered to pay 31k immediately saying I do not wish to defend myself, again a lie. I am unsure as to where to turn any advice welcome

Hi, we had a similar issue with vodafone, dongle was lost told us to buy a new one they never switched the service back on they charge us for a year and defaulted my husband for a service not provided at all. We spoke to vodafone directly and the customer support person said he could help but was choosing not to and would block anyone else helping( we complained of course got us nowhere). Anyway point being the vodafone reps on this site did not help but advised us to go to the ombudsman who is paid by the telco operators surprise suprise who found in vodafones favour which anyone with common sense can see is wrong Vodafone even agreed we were good customers and offered to reinstate the contract but not remove default!! Its a joke seek advice elsewhere on the site as all the reps did was waste our time

Lee you already are aware of everything you have just commented on I am actually with my husband we have had no correspondance at all verbal or otherwise regarding the sim other than if we pay outstanding balance the sim would be sent out. Anyhow have wasted enough time going back and forth with vodafone obviously no one is going to do anything at all and I must say actually worst "customer services" I have ever come across. Not quite what I expected from a company with a famous ad campaign - customer services "Happy to help" , hilarious

Thanks so much for this, nope never confirmed sent sim and in date list sent posted earlier on it shows they switched off service when sim was lost, we continued to pay for over a month, service never switched back on sim never sent. This point they are ignoring I hate to think it but the first customer service person did say he was going to make sure nobody rectified this personally and it seems to be true as when we pointed out mistake to santander they were apologetic, rectified it and sent a letter for vodafone. I thought with this vodafone would have said fair enough lets get this up to date, sim out and default off but now seems everything they requested was just to go through motions as made no difference. I dont know but to me seems very easy for them to resolve and something any good customer services person would have but for some reason they just refuse will do what you suggest and keep you posted.

Hi Silverfox have posted where we are now please review any advice welcome

Hi All, You are not going to believe what Vodafone have come back with my husband jumped through hoops to see if we could resolve this in an amicable way (because he is trying to get a mortgage) and vodafone have slammed it back in his face. The info they requested they havent reviewed properly and some of it just blatently ignored. See below what Lee has put and in blue my husbands responses, but in a nutshell they have everything they asked for and are doing nothing. In fact situation is worse as before it was pay £100 approx and default will show as settled, now it is pay £700 plus and we may show it as settled. Lets not forget we couldnt use the service- Vodafone completely ignoring this fact and the best bit from the vodafone web team CAN WE STOP POSTING EVERYTHING ON THE FORUM!!!! apparently dont want to be seen as bullyboys- well only posting facts so everyone can make their own judgement on that. This is letter from Lee: Further to our conversation of 2nd March and your email of 4th March. Following a further review of your case I confirm that our position remains unchanged. As you'll recall we offered to review matters further upon receipt of a copy of your credit file supporting statements made on the Consumer Action Group Forum that other than the default registered by us your file was otherwise perfect. Upon review of the file you attached it's been noticed that over the last thirty-six months there have thirty-four late payment status codes recorded across four lenders and one telecoms provider. As such, we feel that this doesn't support the statements which have been made about your credit file and would likely be viewed negatively by prospective lenders. · My husband does not have any adverse credit markers other then the default from Vodafone – if someone with half a brain was to look over his credit file from Experian which he provided to Vodafone will see that in the last 36 months he has had 12 Late (A COUPLE OF DAYS LATE ) payments in total across all accounts in 3 YEARS ! how someone at Vodafone managed to get 34 in 36 months I have no idea and nothing at all recent Whilst we appreciate that you've encountered difficulties with Santander in regard to your current account closure we feel that this doesn't provide an explanation as to why your airtime account remained unpaid between August and October last year. THAT is exactly the reason it wasn’t paid – as explained to vodafone in detail because the direct debit was not transferred AS REQUESTED we had no knowledge that it was not being paid, and no contact and no SIM card from Vodafone we had no way of knowing that something was wrong. Santander have admitted this in writing which Vodafone have a copy of. · For clarification, we have always held address details for your airtime account of ************* since the account was incepted in January last year and so we're unsure as to where the notion of us not having these details has transpired from. This transpires from Vodafone web team telling usthat VODAFONE did not have any accounts at MY ADDRESS. – I have reported this to you before it hasn’t changed. Whilst I appreciate that this isn't the outcome you were hoping for we are obliged to accurately record the payment history of our pay monthly customers with the credit reference agencies. The fact remains that the only thing now affecting my credit is this default from Vodafone – as per the letter you have seen from Santander they are rectifying THEIR mistakes and removing charges and late or missed payment records from my account I have spoken with them (Friday last week) and this has been resolved and will be reflected in my next months credit report. You keep stating that you have a duty to report the facts yet you keep getting them wrong – I will pursue this with the ombudsman, I will continue to highlight the case on the consumer forum as people have a right to know how Vodafone “care “ for their customers . Should you wish to pursue this matter further you may contact the Information Commissioner's Office. Additionally, I've referred your case to our Customer Relations Department in accordance with our internal complaints procedure who will write to you under separate cover to confirm our final position together with providing details of the Telecommunications Ombudsman Otelo should you wish to refer your case to them for independent review.

Hi Lee, Anything back yet?

yep definately a big D on credit file from vodaphone we never received a default letter at all we only found out about this by looking at credit file when applied for credit for mortgage and was turned down so went through mail when got back from holiday and had a letter from capquest saying we have your debt now lets make an arrangement to pay, called straight away and thats when this whole mess came to light, clearly stating happy to pay Then quite a mix from vodafone -we didnt have your details so couldnt send anything, now is you spoke to wrong departments we did send letters you just didnt receive them?? then pay the £100 plus pounds you owe and we will get account back on but not remove default - which I might add is for 700 plus?? you didnt pay for 7months but you only owe for 3?? last letter was now you have to pay 700 plus default staying, again let me state no apology for the way the "customer services" rep spoke to my husband. Also still not received the sim card all this cost actually relates to!! Husband spoke to Lee, sent everything requested, even documentation nothing to do with vodafone last friday and waiting for Lee's response will let you all no what happens next and thanks for everyones support and advice

Thanks so much for this, not had anything back other than we have it since all the paperwork went over showing everything they asked for on friday so will definately get my husband to go down this route

Hi nope definately a default will get a copy of the credit file and post that bit

Hi Silverfox, I wanted to update you and thank you for your advice so far. Basically the bank have written us a letter admiting issue internally that led to vodafone not being paid, vodafone havent admitted any wrong doing at all. Apparently looking in to the awful customer services rep but nothing back on this definately not holding breath for an apology . State that default was company policy and done correctly which is extremely concerning for everyone. So outcome is Vodafone have asked my husband for proof from the bank, credit report/proof he pays his other bills on time, a letter from capquest (the debt collection agency they use) all provided already but they havent said if all this is in order (which it is) they will take default off. This is just so they will look at the case again!!! Hope they are not making my husband jump through hoops for nothing. Will let everyone no what happens when Lee comes back to us

Thanks Lee.

great i look forward to your response

Hiya, no change of address just upgraded bank account so dd's were moved over for us no notification of anything failing and the strange thing is vodafone claim they they sent letter notifying then claim had no contact details for us at all which is why they didnt contact us yet they passed them on to capquest to default us. All a bit of a mess1