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

Hi guys, thankyou so much for taking the time to read and reply to my post, it realy means a lot. I have contacted Lee as advised above and am awaiting a reply. Heres what I emailed about my situation: Dear Sir/Madam, VODAFONE CUSTOMER REF NUMBER: XXXXXXXXX I am writing in hope that you may be able to assist me with the removal of aDefault on my pre-existing Vodafone Account. The account was defaulted inJanuary 2012, but I was only ever made aware that any payment wasoverdue/defaulted on the 23rd April when I accessed my Experian Credit report.I immediately contacted Vodafone to settle the balance and discuss my case. It appears the payment had been due since summer 2011 however because I hadmoved house I never did receive any bill or any notice to default. I had up untilthat point always paid my bills on time via direct debit. Vodafone only have my previous address details of XXXXXXXXXXXXXXXX I believe this situation arose because I had two phone contracts with Vodafone,one for myself and one for my ex-partner. My main phone contract (numberXXXXXXX- which had moved over to my new provider virgin) ended with vodafone in2010, however my second mobile contract was due to expire in the summer 2011(after its 24 month contract had run its course). I had separated from myex-partner at the beginning of 2010 and so I no longer required the secondmobile so I contacted Vodafone during the summer 2010 to arrange for them toreduce the monthly contract tariff down to the minimal as the phone/sim was notin use any longer but I understood I had to keep paying the direct debitpayments until the 24 month contract had completed. I asked vodafone to informme of the date when this contract would be due to expire and for them to put anote on my account for the account to be closed on this date, Vodafone informedme that my contract would expire on the 20th July and that I was to call backat this time to ask for account closure. In February 2011 I moved address to my current address at XXXXXXXXXXXXXX and asfar as I was aware my vodafone account for this contract was just going to endand expire in July 2011 when I was to call them to close the account andarrange cancelling of the direct debits. I can only assume that because I nolonger classed vodafone as my mobile providers as my personal mobile contractwas now with Virgin, and the phone/sim I had with vodafone was no longer used,I did not think to inform them immediately of my change of address. However;vodafone did still have my mobile number and email contact details at thispoint. On 20th July 2011 I called vodafone to I discuss what date I should cancel thedirect debit payment to vodafone to ensure that I didn’t miss any payments andensure that vodafone did not continue to take payments from my account.Vodafone informed me to close down my direct debits on the 20th August and so Iput a note to this effect in my diary. As instructed during the telephone conversation I cancelled my vodafone directdebit on the 20th August 2011 and as far as I was aware both of my vodafoneaccounts were now closed with no outstanding balance. Myself and my Fiancé are genuine hard working people, who always pay our billson time and have never missed a payment or defaulted on any loan/credit orstore card in our lives. We have been looking into buying a home together now,as we are to marry in December, and we are hoping to start trying for a familyearly next year as I have a medical condition which doctors have warned megreatly increase my risk of suffering form premature menopause and fertilitycomplications. We are trying to be good responsible people and own our own homebefore starting a family. We have found a house we have fallen in love with andwe have had an offer accepted, we then spoke with a mortgage adviser whoadvised us to just check our credit score history on experian although we didntforesee any issues we thought we would just check. To my horror when I checked my report it showed a Default vodafone had loggedin January 2012 after chasing me for a £16.00 payment for some period after thedate the direct debit was closed down. It was only on this date the 23rd Aprilthat I was ever aware that I owed vodafone any money or that it was going todefault. I f I had ever been aware I had owed any money I would have paid it immediatelyas I did every other bill. As soon as I was aware of the default payment Icalled vodaone and settled the bill. What I assume happened is that vodafone sent out the debt letters to myprevious address and so I never did receive them even though i gave my oldlandlords a forwarding address for any mail in order to prevent any mail beingmissed. I have always paid all my bills on time or in advance all my life, havingseveral credit and store cards .I have had excellent credit until this defaultand now this default it is now stopping us form being accepted for a mortgage,which we are desperate to get sorted so that we can start trying for ourfamily. I completely accept that it was my error not to forward vodafone my new address,but in the chaos of the move and me starting a new job it was an honest sincereerror that got overlooked, I am truly sorry for this. When I called them on the20th July we only discussed what date I should close the direct debit down, wedid not discuss my address (as at this time I would have been at my new currentaddress), I can only assume that I was thinking i had already informed them ofthe address change at the same time as i wrote to all my othercontacts/providers when we moved in February. I pray from my heart that vodafone may be able to assess this case as anindividual, taking into consideration the fact that I was a loyal and reliablecustomer for many years, and taking into consideration that this small £16.00payment may have a huge impact on our future as if we are not able to get ahomeof our own, we may not be able to have children for many years, at which pointI may no longer be able to have children. I urge you to review this case carefully, as when cancelling my direct debitpayment I only acted on the instruction of vodafone, cancelling it on theinstructed date, also they were aware that I had my main mobile numbertransferred across to my new virgin contract and they could have contacted meat any point on this number, thirdly they also had my email contact throughout. Kind Regards

Personal info post deleted

Today, after finding the perfect house my partner and I had always dreamed about bringing up a family in I found myself in the awful position of not being allowed to apply for a mortgage as I painfully discovered that Vodafone had put a default on my credit score making me ineligible to apply for a money loan. I had been a loyal customer with Vodafone for many years and always paid my bill on time via direct debit. I decided a few months ago to change my mobile provider to match that of my partner to save on our bills, I phoned Vodafone to cancel my contract with them and was advised that I should cancel my direct debit payments on an agreed date, which I did and thought my account was now settled. Now I wasn’t even aware that I still owed Vodafone money but apparently after I phoned their customer support to discuss why they had defaulted me, I was told that I owed them £16. I paid them immediately over the phone and asked for them to remove the default from my credit score and they told me there was nothing they could do about it and that it would stay with me for the next 6 years! Apparently they sent me three letters to chase me for the £16 but I never received them! Why oh why did they not even bother to call me on my mobile as I kept the same number which they recorded down when they closed my account! If I had known I still owed them money I would have paid them at the time, now my life has been ruined because of this poor communication by Vodaphone, this is completely unacceptable, unjust and has caused my partner and I a great deal of stress. I have literally been brought to tears by Vodaphone.