Vodafone - Default Removal**Resolved**

[ncarter81]

I wonder if anyone can help.

 

I had a contract for 18 months with Vodafone. I have good credit history and I never once missed a payment with them. My account was in perfect order with them throughout the duration of my contract with them.

 

I managed my account fully online via their customer portal and rarely needed to call them. I went into the Vodafone shop before I bought my new house in November 2008 and asked if I could change my address. They advised me to go online and change the address or call customer services.

 

So I went on my account online and changed my address to my new address and I thought that was all I needed to do. This contract only ended at the end of 2009/start of 2010. I wrote in my letter giving 30 days notice, which had my NEW address in the corner.

 

To my horror, I recieved a debt letter earlier this year from a debt collection agency demanding £15 payment. When I questioned them about this on the phone, they asked me my address and I gave them my current address and they told me that the address that they had on file was different. They had my old address. So even though I had changed my details online on my Vodafone account, they still sent the final bill to my old address, and I got a default because I never recieved the last bill.

 

I quickly paid the £15. I would have done this straight away if I had received the final bill to my correct address, as my account history would show, I never missed a payment. Because of this, I have a default on my credit file which shows as satisifed but it is still a default and will remain there for 6 years. I will be moving house soon and will be looking to get a new mortgage but I will not be able to. I have also been trying to do balance transfers on my credit cards and no lender will now give me a card. My wife is also unable to and her credit history is impeccable. My credit score has dropped considerably and it is stressing us out.

 

It feels very unfair that I am going to suffer financially through not fault of my own. I contacted Experian and they got back to me and they said they had spoken to Vodafone and there was nothing they could do for me. They could only remove the default if Vodafone authorised them too. I contacted Vodafone over a week ago on their website regarding this. I have heard nothing from them at all. I called them regarding the matter and an advisor said she would be emailing another team who would deal with it and contact me within 14 days. I have heard nothing.

 

I have since wrote a letter to Vodafone. Considering I was an excellent customer who paid ontime every month, I do feel like I have been treated very unfairly and their service regarding this matter has been extremely poor.

 

Does anyone have any advice for me as to what to do to get this default removed from my credit file.

 

Thanks

 

Nathan

[ncarter81]

Hiya thanks for the reply. I googled for the same issue I'm having and this site was top of the list with a Vodafone rep on there so hopefully someone will be able to help me out.

 

I'm mortified that my credit score has dropped in to the 'POOR' category because of this and nobody will touch me. I would hold my hands up and say fair play if it was actually my own doing =(

[ncarter81]

Thanks silverfox. I have used that web form before. a couple of weeks ago infact, and never heard anything back. I hadn't used the CAG team code though so I have given it another go.

 

Thanks for that.

[ncarter81]

Here is the response I got:

 

Re: Default removal - WRT135 [#3959688]

 

 

 

I imagine that is the reference number! I closed the webpage down straight away after sending the email. That's the reference I received via email so hopefully that will do =)

[ncarter81]

I do hope so. The way Vodafone have handled my complaint so far has been shocking. This forum seems to be littered with similar stuff about Vodafone too. Shame really, as I never had one bit of bother with them when I was with them. They were always great. The only reason I left was because my employer (Virgin) give me an unbeatable mobile deal which Vodafone couldn't match, otherwise I would have stayed with them.

 

I've read good things about Lee so hopefully he or one of his team members can sort this problem out for me once and for all. It would be a huge weight lifted off my shoulders and get rid of a lot of stress.

[ncarter81]

Hey,

 

Thanks Lee. Hope this gets sorted out. Nice to know there are people who are genuinely willing to help.

 

Let me know if you need any more information from me.

[ncarter81]

Hi Lee,

 

Have you got any news for me yet. I've also not received a written reply from the letter I sent by mail last week. Says its been signed for on Royal Mail mind. Please keep me updated.

[ncarter81]

Thank you ever so much for your help.

[ncarter81]

Hi Lee,

 

Any updates yet. Been a while since I heard anything. Just a bit worried, understandably, that its not being dealt with.

 

Thanks

 

Nathan

[ncarter81]

Wow,

 

Add this to the resolved list. Excellent work by Lee. You are a credit to Vodafone. Rest assured when my contract runs out I will be coming back (Virgin don't do iPhone). My credit score is now good and no default on file. I really cannot thank you enough.

 

** Rep added!!

 

Thanks

 

Nathan

Edited October 1, 2010 by ncarter81