Hi Ive tried to contact Heidi both yesterday and today but had no reply, just because my mortgage adviser has asked me to check that vodafone have removed the default from all of the other Credit Reference Agenceis (i.e. Equafax and Callcredit....) not just the one I use Experian. The application in principle re-application is still being reviewed by the mortgage lender of our choice, they have taken two days to review so far? So im a little concerned why they are having to review so extensivly now both mine and my fiances credit reports are showing "Excellent" and we have more than enough income to cover repayments and we have the deposit ready also? I think my mortgage advisor wants to make sure that our Credit Reports are clear with all the companies incase we get declined again and have to apply with another lender . The only reason I can see for our current application being declined though is the fact that they are aware there WAS a default that has now being removed? I have the feeling if we were new applicants with my now "Excellent " rating, they would have said yes? Anyhow we dont have an answer either way yet and so ill keep you updated. Does anyone know whether this will already be the case, that all of them have had the default removed from them? All Ive been informed by vodafone is that they updated the CRA with the default removal, and my experian credit report is now showing Excellent. But I dont know whether the CRA would then automatically update the others? Any help gratefully recieved whilst Im awaiting a reply from Heidi or Lee Thankyou Lucy

Im pleased to say the default has been removed! Am OVER the moon! We are re-applying the application for the mortgage today so fingers crossed itl be smooth sailing now! Thankyou again everyone for your support, thankyou Lee and Heidi for realy hurrying my case through Lucy

Hi, Have just spoken to Lee on the phone, has lifted my spirits a little as although he cannot guarantee anything, he seems hopeful that we will be able to get things resolved Still keeping my fingers and toes crossed as we may eb waiting upto 10 days to hear but we will keep in touch to let you all know how we get on...perhaps a ray of hope! Thanks Lucy

Hi Guys Thankyou again so much for your support and thankyou Lee for getting in touch, Heidi was lovely on the phone the other day, she completely understood where I was coming from. I am hoping and praying that this can be resolved at this level rather than having to go further because tiem realy is precious right now. And thankyou Locutus for pointing out that I was a very loyal longstanding client. As I have stated many times me and my Fiance are good honest hardworking people (Im a Nurse- Im even working today on a Bank Holiday!). We are not the type of people who would ever avoid paying any bill we knew we owed, we have too heavy conscience's. Hand on heart we never knew we owed any money and that can be proven by the fact the debt letters were being sent to our old address, i never recieved them or the default notice. Fingers and toes all still crossed for Vodafone to make the RIGHT and FAIR decision to remove the Default....this is not a game of power....this is my life and my familys future literally on the line.....over a £16.00 bill Thankyou again everyone for your support Lucy

Thanks Guys for all this info. I did assert to Heidi on the phone yesterday that I strongly advise they remove the default asap or else I will have no other option than to fight for our future and I will proceed to court. Not only for the potential loss of the house of our dreams but also for the distress and psychological effect this has had on me and my fiance. I have not been able to eat or sleep or concentrate at work properly with the uncertainty of the outcome. Never mind the fact that my Credit REport is so damaged by this that if we were to even need to try and move to rent somewhere else within the next 6 years, we wouldnt pass the credit checks. I am furious that Vodafone have put a "label" on me as being a "high risk" to other lenders. IT is clear from my history of paying hundreds of pounds to vodafone that this is FALSE and they cannot be allowed to continue to affect good, hardworking peoples lives in this way, It is a crazy world we live in where because of a miscommunication, a debt is generated and even if that person was in error (which I am not), after being brought down to their knees in tears, a company with far too much power will still REFUSE to remove a default that could destroy that persons future........ Just because they can. A default should be placed on someones credit file to alert other lenders that there is TRUE AND PROVEN risk by lending to that person.........That is not true of me, or many others who have been "labelled" as such by Vodafone.

Hello, How do I go about putting a Note of Correction on my credit file? I assume the default will still be on there? The problem is teh mortgage lenders/banks etc are not looking passed the word "default" they wont even assess the rest of my credit report, just and automatic decline . Thanks Again Lucy

Hi Guys, Heidi has been in touch tonight, discussed the whole situation as outlined in the email. She says she has to forward an email onto Vodafone Quality Assurance and we may be waiting upto 10 days for their decision . We are realy worried still as not only could we loose the house in this time, but also Heidi seemed to think the Quality Assurance Team may refuse to remove the default because I did not update them with my new address. My argument was that the reason a debt was generated after my contract was terminated and after my direct debits had stopped was because I acted as advised by Vodafone customer services to cancel my Direct Debit on the advised date. I argued that this marker they had put against my name by placing a default on my credit history was in no way a fair and true representation of my payment ability. I explained our current situation re house, children etc and the stress and effect this was having on our lives and Heidi said she understood and if it were up to here she would remove the default, but the decision lies in the hands of the Quality Assurance Team? WE are awaiting the decision on tenderhooks, keeping everything crossed. As I explained to Heidi for the sake of a £16.00 missed payment (caused by vodafones miscommunication) we could loose this house which will have a devastating effect on our future WE will keep up updated when we hear anything. If anyone has any further advice it would be greatly appreciated.

Re: FW: WRT135 – CAG Heidi [#8975971]

Still waiting and hoping to hear from Lee or Heidi soon, realy dont want to keep the estate agents and current house owners waiting too long but we cant move forward with anything until we get this sorted. Feeling so disheartened this evening as we know going into a Bank Holiday weekend that its likely to be three or four days before we can move forward with this . It is causing a huge amount of stress but we are trying to stay calm and strong. Everyone posting on here is being a huge comfort, so thankyou again.

Phew! Thats a glimmer of hope Thankyou

Im worried that because Heidi from the Vodafone Web Relations team has picked up and replied to my email, that this case may not be passed onto Lee? What do you guys think? Im crossing all my fingers and toes that Lee sees the thread soon so action can be taken as every hour that passes we are at increased risk of loosing the house.....and I cant bear think of that right now Thankyou again to each and every one of your replies.....im so so grateful Lu

Thankyou so much, its realy help lift my spirits that I there may be hope to get this resolved if we keep this thread live so Lee will see it Waiting, ever hopeful... Lu

Hi there, Apologies I am very new to all this, heres the accurate refrence number. I have had a lady called Heidi reply. Should I specifically ask for Lee? [#8979773] Thanks Lu

The reason I posted the letter on here was incase Lee saw this site thread prior to my email reaching him.

Thankyou again for continuing to post on this thread. My Reference Number is : 2XXXXXXXX