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    • Another consumer who thinks that by being reasonable and patient with Currys, that Currys will be reasonable with them in return. Bless. Of course I do hope that you get a resolution this way but in fact we have found over a longer time now that Currys was a dishonest and quibbling little company that takes advantage of its customers innocence to deprive them of their consumer rights. "In due course" is completely unacceptable but if you go along with that it means that you have handed the reins over to them and allow them to take control. There is no reason for this matter to take more than a week for them to sort out and so I would suggest that your best course of action send them a letter of claim giving them 14 days or you will sue them in the County Court. That gives them ample time to sort the matter out and also means that if they eventually come back to you "in due course" refusing to honour their obligations, then you don't have to wait a further 14 days. You can pretty well launch into action immediately. You said you had all your legal documents ready but I asked you if that meant that you had sent a letter of claim and you haven't replied.
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    • Hi CAG,   First time poster here.   I would like to start off by saying that I've read through various threads and it's quite heartwarming to see the level of attention and support you give to people dealing with often stressful and anxiety inducing circumstances. I'll certainly be making a donation as this is truly a valuable resource.   I've read several similar threads to my own situation but I thought I'd seek your advice.   I opened a letter just a few hours ago from London Collection and Compliance Centre which is dated 11th January 2022 for an amount totalling £870.68. I'll attach a copy below. I can't quite remember the date of the initial offence. For context, I boarded a bus (I believe in 2018) and unbeknownst to me, my contactless card did not register correctly on the reader. I had my headphones in with music playing and was sat for my journey and then was approached by a ticket inspector who informed me that I did not tap and therefore was unable to provide proof of a valid ticket. Despite explaining the circumstances, I was asked for my details which I provided in full. I was honest and forthcoming with the ticket inspector but I wasn't aware this would amount to a fine as I was provided with a printed pass for the remainder of my journey. I accept liability for not being able to provide proof of a valid ticket and do not wish to dispute this regardless of intent.    I'm not entirely sure why I didn't pay the fine upon receipt of TfL's initial correspondence but I'm a long time sufferer of anxiety and depression which at times is so debilitating that I'm unable to make the best decisions or carry out simple actions. Some of which would mean I wouldn't need to make this post. I struggled financially at the time of receiving this letter and further correspondence which placed I did not deal with correctly because of the mental state I was in. I struggled to cope with and stupidly I neglected my responsibility and buried my head in the sand. I made an error in judgement that I wholeheartedly regret.   As of writing (early hours of 26th January 2022), the 10 working days given in the 'Further steps notice' has elapsed (25th January 2022). I rarely receive mail and therefore I don't regularly check my mailbox. However, I decided to take a look today as I suspected I missed a Royal Mail delivery. I intend on calling the number on the letter at the earliest appropriate time in the morning and dealing with this matter. I'm desperate to right my previous wrongs as I've worked hard to deal with my anxiety by beginning therapy. However, like many others in this thread, I'm worried about the prospect of having a criminal record. I'm 26 years only and I don't have any previous convictions nor have I had any trouble with the law. I have a real love for the service TfL provides and I'm capable of listing off an endless stream of related trivia. I have no previous run ins with TfL and regularly travel on the network and pay the correct, full fare each time.    I'm worried about how this will affect my future in regards to employment and my intention of naturalising as a British citizen (I've been in the UK for 20 years now).   I'll note my primary questions below and would truly appreciate your advice.   a) If I get in contact with the number on the letter as soon as possible, will that be too late despite the close proximity to the deadline?   b) What would be the best potential approach to resolving this issue? (I'm unable to pay the amount in as a lump sum.)   c) If I were successful in arranging a payment plan/somehow paying the amount in full, how would that affect the court proceedings? Would this still result in a criminal record?   d) I've seen other threads which mention OOC settlements with TfL, would this be an option despite receipt of a 'Further steps notice' letter?   e) Should I end up in court or have the opportunity to speak to someone over the phone - will I be able to explain my circumstance and plead for leniency?   f) What other general steps would you suggest I take at this stage to mitigate the consequences?   Apologies for this post being so long, I wanted to include as much relevant detail as possible and I'm more than happy to provide any that's missing. I don't want to make excuses for myself. I completely accept I'm in the wrong for allowing things to get to this stage, despite the difficulty I had with my mental state but I want to do right by myself and deal with this. I'll post regular updates and be sure to include a conclusion once I deal with the matter regardless of the outcome.   Thank you in advance for looking at this post, I really do appreciate what you do.   IMG_2609.pdf
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Vodafone wont remove default or even reply to me ***RESOLVED***


kjdkhan
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in 2007 i had a contrac with vodafone, which my lil sister ran up to £700. i could not pay this in one month n asked if there was anyway i could pay them weekly which they said no and they would go to a credit collection agency. I paid the £700 of weekly which was £20 a week, every month i recieved a letter from vodafone comfirming that i was paying and the outstanding balance was going down and eventually cleared. 3years later i went to get a mortgage n failed the credit search. i went on experian .com as advised by the mortgage adviser and found out I still owed £34 to vodafone which I was shocked about and it had defaulted on my credit report. i rang them up the next day n paid the balance off straight away and asked where it was from. They explained it was the next months bill from when it was cancelled. I asked why wasnt I informed they could not answer me. I also asked why it wasnt added to outstanding balance I paid off, they told me to send a copy of my credit report to at Quality Team Assurance to ask them to remove the default. It has been over a month and still no reply The Vodafone report on my credit file has not updated even though its been over 1 month since i paid the remaining balance. I am also really annoyed about the lack of communication Vodafone has given me. What more can I do? I cannot get a mortgage with this default.

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Hi and welcome to CAG.

 

To be honest with you, I think you may struggle to get the default removed BUT you have come to the right place.

CAG has a Vodafone web team presence here and they have helped quite a few. It can do you no harm to contact VF through this link:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?213340-Vodafone-Webteam-for-Customers-With-Problems&p=2343770&viewfull=1#post2343770

 

If you follow the instructions FULLY and then post up the automated reference number on this thread, one of the team will pick it up.

 

As an extra help, I will move this thread to the Telecoms forum

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Hi kjdkhan,

 

I can certainly understand your concern and eagerness to get this sorted out.

 

As you'll appreciate it can sometimes take some time to piece together the course of events that has occurred when dealing with credit file default and I'm sure my colleagues in the Quality Assurance Team will have your letter.

 

However, having checked our emails this morning I can confirm that we've got yours and so we can make absolutely sure that this gets looked into.

 

Rest assured that as soon as we've got an update for you we'll get back in touch.

 

Kind regards,

 

Lee

 

Web Relations Team

 

Vodafone UK

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Hi kjdkhan,

 

I can certainly understand your concern and eagerness to get this sorted out.

 

As you'll appreciate it can sometimes take some time to piece together the course of events that has occurred when dealing with credit file default and I'm sure my colleagues in the Quality Assurance Team will have your letter.

 

However, having checked our emails this morning I can confirm that we've got yours and so we can make absolutely sure that this gets looked into.

 

Rest assured that as soon as we've got an update for you we'll get back in touch.

 

Kind regards,

 

Lee

 

Web Relations Team

 

Vodafone UK

 

 

 

 

 

 

 

 

You say Vodafone will get back in touch, when will Vodafone get back in touch? This what I keep getting told and I'm just left hanging and waiting for a reply. Its been over a month now and I don't get any communication to let me know what's going on. Your the first reply I've had in over a month. I am thinking of contacting Ofcom/Otello for advice.

 

Daniel

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Your complaint, which really seems to hinge on you getting Vodafone to remove the default on your credit file, will ultimately not happen unless there has been an error on their part. From what you describe, the default was a correct reflection of your account at the time, and as such any default flag needs to be accurate. It would appear that although you paud off the various amounrs, there was still a small amount showing as owed. Even if this is paid, the default will still remain, as it will do for 6 years, only the status will change from owed to paid or settled.

 

Some mortgage firms will ignore any settled defaults as an irrelevance, but that it up to the mortgage company itself.

 

Irrespective of whether the amount is shown as owed or settled, after 6 years, the default will cease being shown to enquirers.

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You say Vodafone will get back in touch, when will Vodafone get back in touch? This what I keep getting told and I'm just left hanging and waiting for a reply. Its been over a month now and I don't get any communication to let me know what's going on. Your the first reply I've had in over a month. I am thinking of contacting Ofcom/Otello for advice.

 

Daniel

 

Hi Daniel,

 

I can appreciate your frustrations here but please be assured that whilst I can't provide you with a definitive timescale on when we'll be able to come back to you this will get investigated and as soon as I know the outcome of the investigation I will get back to you.

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

 

 

 

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Your complaint, which really seems to hinge on you getting Vodafone to remove the default on your credit file, will ultimately not happen unless there has been an error on their part. From what you describe, the default was a correct reflection of your account at the time, and as such any default flag needs to be accurate. It would appear that although you paud off the various amounrs, there was still a small amount showing as owed. Even if this is paid, the default will still remain, as it will do for 6 years, only the status will change from owed to paid or settled.

 

Some mortgage firms will ignore any settled defaults as an irrelevance, but that it up to the mortgage company itself.

 

Irrespective of whether the amount is shown as owed or settled, after 6 years, the default will cease being shown to enquirers.

 

I'm aware that the default will stay on my file for 6years, but my argument that i was told that i had paid all the outstanding balance off 3 years ago, only to find i still owed £34 and they never once sent a letter or email to say i still owed that amout. i thought that after i paid that off they would update my file to at least the correct information where as at the moment, it still states that im in debt and not made a payment for 3 years

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  • 2 weeks later...

Vodafone have updated my file to the correct information and removed the default status 8 to settle with arrange payments made i would like to thank lee from vodafone for beening very helpfull and really the only person to really tell me what was goin on

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Good to hear it-and thanks for updating.

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