I just joined this forum and I'm looking for advice on an issue where I really feel hard done by.
Let me explain. Back in September 2014 my ex wanted a phone. We were out and at Carphone Warehouse she said she wanted a phone. However, at the time she didn't have her bank card with her, because the old one had expired and she was waiting for a replacement to come.
Me being the gent I am decided to take out a contract in my name and gave my direct debit details. It wasa Vodafone contract.
The man at the shop said that after 3 months, we can call Vodaphone and do a 1) transfer of direct debit and 2) transfer of account ownership.
I said okay.
Sadly the relationship ended pretty soon after that but for the first three month the direct debit was coming out of my account and she was putting money in my account.
After three months there was a forced meeting where we called Vodafone at the same time and requested a complete transfer.
Both direct debit and account were transferred from mine into her name (or so I thought).
Fast forward to September 2016 and I got rejected for a mortage by a lender. I was a little baffled as to why so I logged onto creditscore and to my shock, it shows the Vodafone account from 2014 more than £800 in arrears.
I called up Vodafone. I was angry. The account should never have been in my name. They told me that at time of transfer of account ownership they did a credit check on my ex and she failed it. So, the account bouced back to me. I was shocked.
I was never told about this at all.
As it turns out, my ex then cancelled the direct debit and didn't make any more payments. Problem is that account was in my name and I didn't even know. I wasn't called, e-mailed, written to.
I thought after three months that account was no longer in my name. I wasn't using the phone, my ex was.
The problem now is that my credit history shows major telecom arrears which I feel is really unfair. I disputed it and Vodafone told equifax that the account remained in my names so the credit history is correct.
I'm livid because I feel this is not an accurate reflection of my payment history. I am struggling to buy a house now.
Can you help?