Just a thought that has been running around my head all night. Basically VF have said they sent me 2 letters & that it is up to me to prove that they didn't or that I didn't recieve them & it's not their problem if I didn't. How about if I or someone in a similar situation said to them that the payment was sent now yous prove it wasn't or that yous didn't recieve it, you think they would accept that. Surely they have a duty to exhaust all possible methods at their disposal (letters, emails, phone calls) to resolve the matters before escalating things to the next level, am I wrong ?? It seems as if they are happier to screw with people's lives than retrieve the tiny sums that some people may or may not owe them

Also forgot to mention that according to lee the default should not have been placed on my file until June yet it was placed in May. Don't know how significant that is but just shows yet another example of incompetence from VF employees

Super silverfox, I am in work atm doing this on my phone but will get onto that tomorrow when get home to my laptop. Many thanks again

Thanks silverfox. Think that's what I will do. This is all completely obscure to me so can you tell me how to go about sending a SAR ie is it an official document (and if so where do I find it) or is it just a letter from me stating what I am after. Also will I be able to obtain a breakdown of the so called £128 ie an itemised bill from the time, would this be part of the SAR. Thanks again for your help an advice

So, just had telephone conversation with lee from VF about an hour ago. Basically their stance is that the default was recorded correctly. They are not disputing that I rang in November 2010 to inform them I was leaving & requested my "PAC" & that this was used in December. However he said that they received the payment that was due in December of £33 (the normal average bill that I had been receiving & paying in line with the monthly plan I was on) but that there was a payment due in January that they didn't receive, this had jumped to a whopping £120, & also a small amount owed for for £8 odds, totalling £128 that they never received & thus the default. He said they sent me 2 letters (they didn't, I received nothing) He said they passed the debt on to a DCA (I was not contacted by any DCA regarding the matter) I asked him did either party try to contact me by phone or email as neither details had changed from their records, when they didn't recieve a response in a reasonable time scale from their "ghost" letters because letters go missing all the time, apparently that is not their policy. Really didn't get very far & have been told to expect a letter of "deadlock" in the post & it is up to me what I do next. Guess this is where the craziness begins. Where do I start ? What to do next ? Have to get my head round it all, is there a timescale I have to adhere to when I recieve the "deadlock" letter in order to escalate things ?

Also woke to this email from experian, pretty standard I would imagine. Our Ref: EXP/xxxxxxx Dear Mr xxxxxxx Thank you for your email, which we received on 23/06/2014. *Vodafone (Account started 22/04/05) I am contacting the company concerned for you because I can?t amend the information without their consent. I?ll let you know what they say as soon as they get back to me. I?m also adding our standard dispute statement to this information, which will appear shortly: "The consumer has disputed the accuracy of this entry and we have therefore asked the provider to investigate it. Given that this data is disputed, please take care if making an assessment of any kind that may include this data." As a result, anyone viewing this information will be aware that it?s being disputed. Kind regards Xxxxx xxxxxxxxxxxx Customer Service Representative Customer Support Centre Experian

Hi silver, yeah I read philhargs case too, there was a link in a post in heavitree's case. Absolute nightmare, disgusting how he was treated. On the face of it, it is so scary with all the different requests, forms, agencies, laws etc you can see why there are probably hundreds if not thousands of people in similar positions have not follwed through & that's what the big organisations are banking on. But as I have already witnessed, with the help and advice available from the good people on this site, no one should be afraid to stand up for their rights and fight for what is right. I work nightshift (cue the posts at ungodly hours) and am literally only awake. I have had a missed call from lee, so hopefully he tries again before the end of the day.

WOW. just finished reading the case of CAG member Heavitree that had been moved to the legal issues forum and it is frightening the similarities of his case to mine, even the fact of the reason for wanting to leave VF ie a couple of large disputed bills that he/she had no satisfaction in resolving & VF customer service levels being beyond comprehendable. I actually had shivers down my spine while reading it but I must say the help he/she got on here was amazing and gives me great confidence that should my case follow the same route the help is there. That said it seems like Heavitree had to put a serious amount of time and effort into getting the issue sorted, so guess I may start preparing now !!

Just had an email reply from lee asking for a contact number & a preferred time to be contacted. Hopefully some development soon. Thanks lee

Hi, I am new to the site (joined yesterday) and have been having a read around various threads and sub forums & must say it definitely makes for some interesting reading. I notice a lot of people have had a lot of success in claiming back their bank charges & was just wondering if anyone on here has ever tried/managed to do this with northern bank (now danske bank) and if so how do you go about it. Never really considered doing this before as I thought I would have no chance of success but reading some of the threads/posts here certainly gives me a more confident out look. Any help and or advice would be great, even a link to a similar thread

No silver not a notice of correction as such but I have raised the issue with the agencies, the fact that I dispute the information on me that they are holding ie the defaulted account. Just for the record, I have not left the country nor even moved house, I am still using the same phone number that vodafone supplied to me when I took out my very 1st contract with them practically 10 years ago (was a loyal P&G before that), even the same email address that I supplied to them when I 1st became a customer, so that is not an issue & I would have been & still am quite easy to contact. I am very interested to find out where they go with this and also just wonder exactly what I have missed out on or what this has cost me over the years. Like I say, I have had credit in the period since and I have also been refused but never really queried why not, as I know different companies apply different criteria to applicants & put it down to any other reason. The funny thing is that I was turned down for this credit/loan by the same bank/organisation that I also hold my mortgage with (never missed a payment) & also a reasonably high limit credit card (never missed a payment). The mind boggles

hi silverfox, the basics of my issue are that I have recently applied for & been refused credit/loan and when I checked with the agencies was disgusted to see that vodafone had entered a default notice on an old account I had with them dating back to May 2011. I have been refused credit prior to my recent refusal but was able to work around it & put it down to some other reason ie electoral roll (as I wasn't on one) as I had also received various credit too. When I analysed my file a couple of things stood out. I had a pay monthly contract with vodafone and as it was about to expire & due to a few bad experiences at the time, ie monthly bills that fluctuated greatly (which I disputed with vodafone a number of times to no avail) I decided that I wanted to leave them & try a new provider (I had been a pay monthly contract holder with vodafone for approx 6 years prior to this). I rang them & informed them of my decision to leave, to cancel the current contract & request my "PAC" code so that I could port my existing number over to my new contract/new provider. The PAC code was issued & used and thus rendering my time with vodafone defunct. Without any further correspondence between myself and vodafone I continued to enjoy my new contract with new provider without giving it a second thought. Though on looking at my file I can see that they continued to take 2 monthly payments (jan & feb 2011) without me realising it as I had a dd set up for payments with them, at the same time I was also paying my new contract in these months, then on march & April they edited my file to show "late" for a sum of £128 which in itself has no bearing or reflection on the pay monthly plan I was on at the time, before slapping the default notice on it in May 2011. I had not nor have not to date had any notification nor correspondence from vodafone or any 3rd party ie debt collectors regarding the alleged money owed nor the fact of the default notice. If I had I would certainly have sorted the issue immediately because I did not want nor could have afforded to be paying 2 contracts at the same time. In over 20years of a credit history this is the only blemish to my file

Vodafone's automated response ref number: Re: WRT135 - CAG FORUM [#7259236]. Hopefully lee will pick this up soon. In the meantime it would be good to get some help and or advice regarding my issue while I wait for a response not to mention try and get answers to the million and 1 questions I have bounding about my head about this whole consumer thing, after reading a number of threads on here, ie different laws, all the various abbreviations etc make it difficult to follow if your not up to speed

Just worked it out (doh).

Hi rebel or other, how or where do I find this new thread that you say has been set up for me as I have just received the automated reference number reply from vodafone and would like to update the thread. Sorry but really am a novice here. Cheers