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Found 5 results

  1. Hello all, When I was stupid and 17 I took out a phone contract with vodafone for my father, I wasn't working at the time so was relying on him paying me the money every month so I could pay vodafone but he never paid me thus I couldn't pay vodafone. The phone got cut off and was ordered to repay the remaining debt of £595. This I couldn't afford at the time so the debt was defaulted. Now I am 20 and more mature but that default has completely ruined my credit report, as I was underage I believe that the default should never have been put on there and I can order them to remove it. I have contacted Vodafone about this and they said they can't find the account so there's nothing they can do about It. I am able to repay the debt now in an installment plan as long as they remove the default. So what do I have to do seeing as they won't acknowledge the account? Kind Regards, Curtis
  2. Hi everyone. My son had took out a contract earlier this year and he is 17, he's been paying on time it's not defaulted or anything. He had used the date of birth 1995 instead of 97, by the time we realised it was too late as the phone had been used. Now surely the mobile phone company Three should've done a more thorough search. he's extremely stressed that it'll effect his future credit when he applies for more credit but using his real date of birth won't it flag up or anything and be like whys there 2 DOBS etc. Ahe signed up to Noddle using the date of birth he used and it has come in and been registered in his name that three and him and a contract etc and the age he used. But he credit score is 2/5 which worries him more as he doesn't want to cause any detrimental effects to his future when applying for credit. What solutions do we have here ? Do we tell the mobile phone provider and they'll cancel it and remove it from his credit file, or just keep paying it then when applying for more credit what'll happen? Cancel it when he turns 18?? No idea. Thanks everyone.
  3. hello guys, sadly i recently lost my job, and now i cant afford my contract and it got cut off and i owe £900+. But the problem was i couldn't ring them and asked numerous of times for a call back on web chat but they never seemed to ring me as i can only receive calls. so it makes sense them to ring me as it always tells me i need to pay my bill to get it unblocked. i just turned 17 at the time i took the contract out i had a well payed job, but now the business cut down on workers and sadly our team was one of the cut backs and now i just cant pay it and i am being forced to pay the whole contract left of £900+ but i didn't know either to go in a store and tell them i was 17 when i took the contract out. i don't know what the consequences are as i was 17? any help on what will happen? ALSO they asked me to pay £150 deposit, when they did a credit check but as i was 17 i should never of been picked up?
  4. Hello, Firstly, my main concern here is how the investigation is being dealt with as in my opinion, if I have unknowingly done something wrong, then I have to cross that bridge when I come to it but I have SERIOUS concerns.Although I am worried about all of it and am in need of advice. - I receive a call back in April, my benefit had been suspended in March. I knew why and called them got told to call this benefit fraud woman and I did. Gave her my email as I had no fixed abode and emailed her explaining what had happened which in a nutshell; Was renting a room, landlord turned out to be a sub-letter landlord found out and went crazy, everyone got told to be out by the next Day and that our tenancies meant nothing. The subletting guy promised me another room ASAP so I planned to continue claiming while I found another room THEN inform the council of my new address as i was worried about a big gap with starting a new claim. Sent an email explaining this and left it. - I get an email with a letter for interview under caution on JUNE 2012. The date was when I was away at a family wedding and oddly was on a Saturday?! I emailed her on June 27th saying I am sorry I cannot attend can we re-arrange. I herd nothing. I called and left my name and number twice. I left it. - OCTOBER 2012 The leading officer dealing with my case calls me out of the blue and says we need to arrange an interview. I agree and she books it for 3 weeks time and Says that she will send it in letter form to my old address as I can still get my post from there. Letter states its about X address and X problem. I DID NOT seek LEGAL ADVICE because I knew what it was, 3 weeks over payment, failure to notify etc. - Get to interview under caution and she interviews me about the past 4 years of my life, 3 addresses and a number of people for 2 and a half hours! It was exhausting. NOW THE REAL CONCERN She turns up at my middle landlords property, she is looking at 3 claims at 3 address; Address 1: 16 years old, paid straight to landlord Adress 2: 16 - 17 years old, paid to me Address 3: 18- 19 years old, paid to me -She turns up at address 2, unannounced and questioned my 76 year old landlord for over an hour, unrecorded. She tells him I have been claiming at HIS address for 4 years, this angered him. She also disclosed to him that my landlord at address 3 has a criminal record and she believes together me and him are part of a large scale fraud. She tells my ex landlord that I was claiming at 16 etc etc. Makes remarks such as "believe me, ill be prosecuting this girl, every case I get I take them down, I don't care if there OAPs, disabled, I get them, this girls has lied to me on tape through her whole interview" I was DISGUSTED to hear this. By the way, my interview was on the Thursday until office closing time, she turned up here on the Monday. My current partner is the son of landlord 2, we got into an actual relationship when I was living at another property AFTER this date, during my time at his parents he lived in Spain and worked there. So of course we know word for word in all truth what was said, my ex landlord was so disgusted with how she acted that hes retracted the statement and is complaining. Im so CONFUSED. I do not know what im being investigated for or what is happening. We didn't get to finish the interview and I had no time to ask questions, she now refuses to get back to me, meet me again until she has ore evidence etc. I am waiting for my useless solicitors to contact me, I have been waiting 2 weeks for a referral. I want to know how she can act like this, this isnt fair or impartial? How can she lie to my landlord to provoke anger and get away with it. How can she tell me the interview is about one small thing, then sit and interview me for so long. I am worried because I tried to answer the questions so I did not look uncooperative but I cannot remember everything from when I was 16. I was a bit of a tearaway, I had depression and eating problems and I did not really understand my legal obligations to claiming benefits, in all honesty, I didn't care back then. I know I have written A LOT but no one can help me if I do not lay down the facts. Does anyone know if I can do anything about her behavior and; IF they find I done something fraudulent under the age of 18, is this taken into consideration? Any other advice, experiences? THANK YOU Interview info and accusations EDIT: In interview she was suspicious because you can see X benefit going out but Y cash withdrawals that do not add up. I explained my rent was paid in cash, as stated on application and that I received "charitable donations" as I was not in a fit state of mind to work and was too young to claim anything, not that I even knew what was out there. I got say £250 in Charitable donations per month. My rent for example was £90 a week. I used to used the cash I got to pay rent and withdraw the different from my bank, so if I had £50 cash sitting there, I would only draw out £40 from my bank. Then I used what was left in my bank from housing benefit to pay for the stuff that the charitable donations was meant for, food, clothes etc. I said to her, why am I going to take cash to the bank every week, only to take cash back out??? I was terrible with money so I paid for things using card, I said, if I had £20 and only needed to spend £5, id end up spending the whole £20, its what I was like. Firstly she accused me of taking money from my partner or friends and paying rent with it, I don't understand whats wrong with this, money is money, they knew how much money I received every month, its up to me what pot I pay it from, its all still MONEY! Then she said, ok, lets say you wasn't having your rent paid by someone else, then I think you wasn't paying your landlord??? Her accusations were contradicting to say the least. I was honest and just said, look, I was 16-18 during these periods, my life was a mess, I did not keep paperwork ,record monies and quite frankly wasn't bothered about it, I was consumed with depression and that was the least of my worries. Now I am 20, have started my own sole trading company that is going well, I have matured so much am no longer depressed or taking medication and I am supporting myself. I feel like my careless behavior from when I was a minor is biting me in the backside and I understand if I was wrong, I was wrong, I need to face that but I am being treated like I was a completely comprehendable adult that knowingly plotted to [problem] the system because I am organised criminal.
  5. Hello all, Back in 2011 when my son was 17 he took out a mobile phone contract with xxxxxxxx stating his d.o.b was 1992 instead of his real d.o.b which is 1994. He has carried on the contract until now when he lost his job and can no longer afford to pay for the contract itself. He is currently in about £200 debt with the company and has also turned 18 since and now it shows on his credit file as defaulted payments along with the 1992 date of birth on the xxxxxxxx account. What i would like to know is if there is any way of contacting the company to explain the situation and see what can be done about it? Has anyone done this before or know of someone who has? I mean he is 18 now and legally is allowed a contract and would they clear his credit report? Would it go to the police? Because if it were to take legal action on my son then i would suggest he just keeps it quiet and carrys on the contract until the date it ends which is April 2013. Thanks.
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