here's my situation.
I appiedy for a mortgage and it gets declined.
Head over to credit file and see a default going back to 2015 from Vodafone for £30.
I had a sim for an Ipad for my job at the time.
Left job, cancelled DD (stupid I know)
then 2 months later get emails from debt recovery,
pay instantly then call Vodafone to cancel the contract.
All fine and dandy (or so I thought) I received no emails or emails chasing the money so assumed all ok.
I call VF today to explain that this account was cancelled and I don't feel I owe the money and for th