Default removal - Vodafone

[hoareap]

I was wondering if it would be possible to remove a default made by Vodafone from my credit report, which is preventing me from getting a mortgage. Any feedback would be a great help.

 

Thanks

 

Last year I moved away in early April, and whilst waiting for my broadband connection to be setup I used my mobile as a modem to submit some work for university. I managed to run up a £496.07 bill. With the hectic time of moving to another city, I forgot to notify them of my new address, therefore did not receive any statements or notification, and only realised the size of the bill when my mobile service was stopped. I rang them up about my phone not working when they told me how much I owed. They wanted me to pay the full amount to resume services. I explained that I was unable to pay the entire bill immediately and offered to make a partial payment, which was rejected. It was around this time that I was involved in a serious car crash where I was unable to call for an ambulance. Shortly after they tried to take the direct debit that, I could not pay in full, and was subsequently rejected.

Below is a chronological list of events.

 

Moved to new home 1st April 2007

26 June 2007, statement arrived at old address for £496.07, direct debit due on 10 July 2007. I rang them and said that I was unable to make the payment, as I did not have the funds, and the cut my phone line as they thought it may be possible fraud. I offered to pay a small amount with the money I would have expected to “average” amount (plus some extra), but was declined and they only wanted the full amount.

30 June 2007, I was in a serious car crash leaving us on our roof on a motorway, and was unable to call ambulance due to having phone cut off.

01 July 2007, I went on holiday for 1 week after been given OK to by hospital, returned 08 July 2007.

10 July 2007 Vodafone tried to take £496.07 by direct debit, which was unpaid as I told them previously.

12 July 2007, received letter from Vodafone stating that they had suspended the contract due to overdue payment plus possible termination fee of £72.14 if not paid.

26 July 2007, £521.63. I spoke to Vodafone again telling them that I could not afford the bill, they offered to spread the payments over 2 months at approximately £260. I declined this, as it was still too high when I did not have the funds to do so.

28 Aug 2007, £553.68 unpaid for reasons as before

25 Sept 2007, statement produced for £558.87 (Address now Newcastle)

29 Sept 2007, £236.64 paid by debit card

26 Oct 2007, statement produced for £389.47

28 Oct 2007, Notice of Default issued if not paid within 7 days

11 Dec 2007, agreed to pay over 3 months with debt collector, first payment of £129.82 was made.

26 Dec 2007, statement produced for £259.65

02 Dec 2007, Default shown on Experian

Settled with CSL 16 Jan 2008 for £207.72

13 Apr 2008 Default satisfied shown on Experian

Edited October 25, 2008 by hoareap

[SharpmanTF1]

not familiar with mobile contracts so will have to bow out to the more experienced mobile bods

 

you may want to take a look at this thread

 

http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed/22995-vodafone-default-removal-distress.html#post178997

Edited October 26, 2008 by SharpmanTF1

[hoareap]

I've just read Dayglow's thread about their case with Vodafone. I was wondering if I have a case? I was wondering if my case is warranted. Is it OK to slap on a default notice, when mobile phones are not covered by the CCA, and also the bill was for an unforseen amount. £500 compared with £35. I was unaware of the data charges until I was billed for them. Does my inabilty to pay for a unsuspecting, large one-off phone bill, reflect on me paying my mortgage each month, which is for the same amount?

[BoSBoY]

mobiles can really mess up your file, i am having a fight just now with orange. i have tried a fair few tricks, see here..

 

http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed/166085-bosboy-orange-help-please.html

 

but still not got it removed.

[hoareap]

One thing that peeves me, and partly because it is my own fault. Is that I made a payment on the 29th September and on the 28th October they issued a default notice, within a month of my last payment.