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xx-miss-limber-xx

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  1. I wasn't using the old contract. In fact, the phone was turned off and in a box. They had "no record" of my phone call asking to cancel. At the time the scare tactics they used frightened me into paying the default amount as I didn't want a bad credit rating but look what's happened anyway. If it was now I would have fought it till I was blue in the face, but I was young and naive Thanks for the reply porkyp x
  2. Hi everyone, not sure if this is the right place to be posting but your help would be appreciated!! The vodafone customer service reps who I unfortunately am having trouble understanding are having trouble locating my old account so when I explain the situation to them they just say they are unable to help me. What happened was near the end of my contract I rang up and told Vodafone that I didn't want to continue my contract after the 18 months as Orange had offered me a good deal & they advised they would note on file that I was terminating at the end of the current month (which was the last in the 18months) I then took out a new contract and cancelled my direct debit to Vodafone as was advised to do this by the bank. I moved out of my house & in with some friends within this time also & did not receive the letters that Vodafone was sending me until a few months later when my mum received a phone call on the landline Vodafone had listed for me. When I rang up Vodafone who had charged me for 3 months plus charges they said that a default had been placed and there was nothing to be done, but to pay off the outstanding. Which I did, in full. Now I am struggling to get a mortgage because of this one default on my credit report & although it is marked as settled, my mortgage advisor says it is negatively impacting the decisions & is the only factor that is. I was wondering if there is anything that Vodafone or myself can do. As a gesture of goodwill as the amount is below £250 and it was a genuine mistake & a series of unfortunate events (I think that's a film title lol) If there is anything to be done I'd really appreciate some help. I recently found out I am having a baby and me and my partner really need some security by getting on the property ladder. Thanks for taking the time to read that essay! Kind regards, Kate xx
  3. Hi Martin3030, Thank you for your reply Il try and answer your questions the best I can... I agree it is unlikely that Vodafone cancelled the direct debit, but I have challenged the bank and they are adament that they had no part in cancelling the direct debit. What can I do I didnt notice the payments wernt being taken because the direct debit always came out on pay day. I chose that day as the payment day so I would never see the money to spend it before the bill came out. It had worked perfectly for over a year, I had no reason to assume it wasnt working. Vodafone didnt contact me by phone. Im not sure if they have my home number, and as I said I broke the blackberry so for the last 2 months of the contract they wouldnt have been able to contact me on that number if they did try? It is reasonable to assume that normally someone should notice that money isnt being debited from their account, but my personal circumstances meant that I honestly didnt notice that it wasnt being paid. If im honest I dont open bank statements either as I have a well paid job and if I need to transfer money eg. to savings account, I do it online. £45 not being taken from a large salary I honestly did not notice. One thing that this whole experience has taught me is to open letters!! I know I cannot blame anyone but myself for not opening the letters, im not trying to blame anyone else I accept full responsibility, it was my mistake. I bank with Natwest. Nothing like this has ever happened before, I have multiple direct debits coming out of my account and no other problems have arisen. Vodafone have advised that 5 months of the 18 month contract were unpaid. (£45 a month) which means I would owe £225. However with charges added by vodafone/debt collection company the total is £280 which I am paying in 3 installments of just over £90. I am not arguing about the charges, I accept the additional money that I need to pay due to my own error. Its just the default on my credit file I am worrying about as I am applying for a mortgage within the next year and this being the only bad note on my credit file it has dragged my credit score right down I recieved no letters from the debt collection company hence me thinking that the debt collector was a sc@m after the first phone call. But once I realised what had happened and I had liased with them by phone I requested a letter stating the amount etc to be sent to me which they did and I rang back to set up a direct debit with them. Thank you for your help. Just knowing that there are people willing to advise me and help me is a massive relief.
  4. Thank you so much citizenB. Im at melt down point now I appreciate any advice/help so much.
  5. After reading so many posts that people have shared, I hope someone can help me with my Vodafone default problems. Any help or advice anyone can give me would be greatly appreciated It all started when I took out an 18 month contract with Vodafone and got a Blackberry phone with 900 mins and unlimited texts. However coming to the end of my contract (after about 16 months of having it) I broke the blackberry and rather than getting it fixed (as I wanted to get an Iphone when the contract ended in 2 months) I took out a new contract and had two running for the last 2 months of the vodafone contract. I have always paid on time and never defaulted even a day overdue as I paid by direct debit and never worried about missing a payment. I recieved phone bills from Vodafone, but as they came straight out of my bank on pay day I never opened the statements as I was always under my mins/texts and it was always £45 a month. I wasnt using the phone/any mins or texts for the last 2 months of the contract and I just left the simcard in a pot on my desk. After the two months had finished I assumed the contract terminated and I just had one contract. However I recieved a phone call from a company claiming to be a debt collection agency who wanted my bank account details to set up a payment plan. I thought they were a [problem] company and told them to go away. Then they started ringing every day so I contacted Vodafone to ask them if they knew who this company was and if they had other customers being called trying to be scammed. But Vodafone advised me that they had been issuing me with default notices for months (during my contract) as it hadnt been paid for the last 5 months of the contract. I thought this couldnt be right, so I got in touch with my bank and when studying my statements I discovered that Vodafone was right and the bill hadnt been coming out by direct debit as I thought it had been, and for some reason the direct debit had been stopped after 13 months of being paid without any problems?! Because Vodafone had passed the debt on (after I hadnt responded to the letters that I hadnt opened as I thought they were bills that would be paid by direct debit) I couldnt pay Vodafone and was advised that I had to go through the debt collection company. So I rang threm up and as I couldnt afford to pay the 5 months of bills unpaid and the charges that were put on top, I set up a payment plan for 3 payments of £90 over 3 months until the debt was paid. I know I am at fault for not opening the letters, but I really had no reason to think that the payments wernt coming straight out of the bank on pay day as they had been for 13 months perfectly. The bank advise me that it wasnt them that cancelled the direct debit and that it could only be Vodafone who cancelled it, but Vodafone do not accept this. I am paying off the debt by direct debit to the collection agency who contacted me on behalf of Vodafone. I am just worried as I want to apply for a mortgage soon and I have a big red DEFAULT 8 on my credit file from Vodafone which will affect me being able to get a mortgage. I am told by the debt collection agency that the default will be removed once I have paid in full but I dont think this is the case as the credit file says it is kept for 6 years paid or not. Does anyone think that it would be worth asking Vodafone to remove the default early once the amount has been paid in full? I have never ever missed a payment for anything else and as soon as I found out I owed this money I set up a payment plan straight away. I dont want a silly mistake to ruin my chances of owning a home Thank you in advance for any help you can give me. Katie
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