Just thought I would give a brief update.Over the past two weeks my case has been looked at by LEE from vodaphone web team on here who has referred it back to the assurance team.Nothing regarding removal of the missed payments yet but I know it is still being investigated.On a huge plus note,the mortgage is now going through and is with the solicitors and as the vodaphone account is now showing as settled on my latest credit report my score has gone from poor 640 when I first posted earlier in the month to fair 857 and upon checking today my report is showing no negative factors and my score has gone to good 955.I just want to thank the people who have taken time to respond to my post and also to say I think this group and forum are fantastic.I wish I had found it earlier and have already recommended it to others so keep up with the good work and advice.It will help so many people.Jay ps I have just made a donation to the CAG,Thanks again

2grumpy,that seems like a logical idea and one that maybe all companies,not just vodaphone and not just telephone companies should adopt.The money given to us by 02 remained in our account from 0ctober 26th so was there to paid when the final bill arrived.I have always paid a final bill after recieving it as a paper document so leaving my direct debit open was never even considered.Maybe the lesson to be learned is that the advisor SHOULD state that the Direct debit be left OPEN which was not the case. Lee,I appreciate your response and will leave in your hands for the time being.If I forwarded all the phone calls and emails between myself,my wife and vodaphone ,you would be staggered at the unprofessional manor in which this case has been dealt but I'm prepared to delay my final judgement and further action whilst you are looking into it for me.I am a fair person but expect to be treated the same.

Ok guys I have had some good news today and some bad news so lets start with the bad.Here below I have copied and pasted the latest reply from vodaphone today "Hello Jason, I understand your concern about default on your credit file. I have reviewed your account notes and see that we have forwarded the detail to concern team for credit file updatation. I also see that you have paid your bills in month of January, 2012, our collection team has also sent you the letter for payment and you have never contacted us for the payment. If you had not received the letter, you would have got back to us. As per the quality assurance team, the default is valid and we won't be able to remove it from your account. I trust this information is useful to you. Kind regards, Sweta Sisodia Vodafone Customer Services" Well that just about sums up the replies I have had along,They seem to totally disregard the points I raised.If I am told I can not pay up my contract on the day I want to but to await a final bill,why would I do anything other than await the final bill?We have said all along that we have had no collection letters,no emails.texts or phone calls and the very day the final bill arrived it was paid.The line "if you had not received the letter you would have got back to us" just doesn't make sense?I'm waiting for a final bill as instructed so why would I be getting in touch with them.?Looking at the adviser I have yet to speak to a British adviser.That is not a racist or predjudice comment,I am just stating a fact that if I had managed to speak to someone in this country who uses English as a first language,the understanding of the situation might be different.This is clearly not an issue that should leave adverse credit on my file but unfortunatley it seems all too commonplace with vodaphone,after reading other stories.It is possibke to remove the black marks,they just seem unbelievably stubborn. On to my good news.I contacted the guy at the Halifax again and went through the application with him.We passed the credit score just like last week on a "b" pass with a15% deposit.I then went back to the independent mortgage adviser who couldn't get us passed on credit score last week with 3 high street lenders.He then said he would try again and a new deal has come in today and we passed the credit score with natwest on a 10% deposit.=Result! So I am naturally delighted that vodaphone havn't stopped my mortgage but dissapointed they can't use a bit of commonsense over the issue.It's not like my contract was running and I intentionally defaulted on my payments so why should i be tarred with adverse credit?

In response to that Brigadier,I thought I would mention some recent mortgage application history.In May 2011 we were accepted for a mortgage but couldn't raise a deposit so didn't follow it up.In January of this year we found a house at the right price and had the deposit and fees ready to go.With the independant mortgage advisor we tried various lenders and were refused on credit score.This was when my own was at a poor rating then after getting our reports done and sorting a few errors out my rating went to fair.With this in mind we went to the Halifax building society and were approved with a "b" pass which meant we passed the credit score but needed a 15% deposit.We viewed the house again and were ready to put in an offer but went back to the independant mortgage adviser to see if he could get us any better deals.The applications came back with "failed on credit score" which was a shock as I was sat there with a mortgage promise in front of me from the Halifax.He then tried on his system with the halifax and it failed on credit score?He advised us that the halifax mortgage guy must have entered some info incorrect to get a pass so the quandry I have now is risking paying £1000 non refundable on a survey and fees to then risk the full mortgage application being rejected again.So basically the "credit history" as you say has been ok for them to pass it in May 2011 and only last week with the halifax so until I speak with the Halifax again today I will just be left scratching my head.I do appreciate your time to reply though guys

Thanks Locutus.I have indeed sent an email to the vodaphone care team and the automated response gave the number 8464749. When you guys say that the lender looks at the information on the file independantly ,well the mortgage broker enters the info and it comes back almost instantly with the reason "failed on credit score".He believes that it is an automated system rather than a person that is making these decisions.I don;t really know.We have been at this address for 5 years and the previous one for 3 years.My wife has been in her job for 3 years (12 years continuous employment) and earns £16,000.I have been in mine for 2 years and earn £15,600.My wife has a monthly loan repayment of £324,No other debts.We only need to borrow £60,000 so with this joint salary,steady jobs and good address history,it seems bizzare we get knocked back for such an amount.You can tell why i'm frustrated.

Thanks again.The only thing I have had in my own name over the last 6 years has been my vodaphone contract but since we moved to 02 our phones are both in my wifes name so I don't even have that.!If what you say is true then i'm surprised I have managed to get 857 points!Maybe I should look to get some things on finance then (even though I don't need anything )or I will never "build" a good score.

Thanks for the quick replies.My "fair" score is very close to "good" and whilst the missed payment markers alone may not be the main factor,I believe that with the removal of these my score would increase enough to move me to "good".My wife has an unsecured loan up to date with payments,Two credit cards ,one with a £3000 limit and the other £680.Both are at a nil balance.She had a laptop on finance which is settled,a car on finance which is settled and several bank loans settled so it is strange how she only has a " fair " rating with so much "history" to be judged on.Regading the two missed payments not being an issue,the mortgage broker said it would so I am confused. ps,thanks for the contact details for the web care team for vodaphone.I will certainly be in touch.

Hello,everyone,I am new to this forum and here is my first post which I hope some of you can kindly help me out. On October 26th I went to upgrade my phone with vodaphone who I had been happy with for 12 years.They didn't have an upgrade that I was happy with so I went to another store and ended up taking a contract with 02.02 gave me more than enough cash back to pay up my vodaphone contract so I actually called them from the store to settle up with a debit card. The advisor told me I couldn't pay up then but had to wait for a final bill which they would send me.We recieved our final bill on January the 4th and we paid it straight away. Fine ,or so we thought.We went to view a house which we loved and so went to speak with a mortgage broker.We were refused on credit scoring.As we had no debts or late payments we were advised to get our credit reports.My wife has lots of settled accounts and is up to date with an unsecured loan and her credit rating is "fair". I checked mine only to find it was "poor"I noticed that vodaphone had logged two missed payments in November and December.Upon cancelling our contract we cancelled the direct debit as we were told to wait for a final bill so these missed payment markers came as a shock. On the day my wife paid the final bill we assured by an advisor called Kirsty that there would be no problems with our credit ratings.We had not recieved any emails,letters,bills or phone calls prior to the bill coming on the 4th January. We must have made 20 phone calls to vodaphone who promised management call backs which never materialised.I spoke to vodaphone first on the 26th January yet they only sent the info to the assurance team on 2nd February. Despite daily emails and more phone calls to them I was getting no where.We finally got a manager to call us on 10th February who understood our situation and said the assurance team would resolve it by the 16th february and if it wasn't he would ring us back.When the credit rating was updated 15th January it still showed an outstanding amount of £161(the final bill) even though it was paid on the 4th! The credit report was updated by vodaphone on 12th February to show the account at nil and a green marker for January.There is nothing that says settled or closed which concerns me. My score has gone from poor to fair(857 out of 1000) but we were still refused a mortgage on credit score when we applied two days ago.It must be these logged missed payments. I sent another two emails and finally got a reply saying that the credit report is correct and up to date and that the missed payments are there because we cancelled the direct debit leaving no payment source in place.As we were told to wait for a final bill surely cancelling the direct debit is a common thing to do. Whenever we have waited for a final bill from a utility company we have paid it via debit card.We have paid the bill at the first and earliest opportunity.It seems like it's a case of lack of common sense from vodaphone after I have explained the situation over and over again. I have only ever had telephone conversations and emails from advisors in asia and I wonder if the assurance team is uk based hense the reason for the lengthy response.I have heard that 02 have removed missed payments from credit reports where there has been a genuine reason such as this.This really is affecting mine and my wifes health.My grandfather has terminal cancer and has gifted us the house deposit so my Grandma can live with us once he passes away. Sorry for the really long story but I had to get it off my chest to people that may understand what i'm going through. Thankyou,Jason