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craigboldy

Need help getting a default off my Vodafone account

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Hello.

 

Ill try and keep this short.

 

I need some help trying to get 2 default off my credit report.

 

I had a accident at work on the 24 of November and I can no longer go back into my old role as a joiner.

I need to do something less physical.

 

I applied for a call center job passed the phone interview and passed the main interview but was then told I need to pass a credit check.

It turns out I failed it because I have 2 defaults on my file.

 

This means im now still with out a job and no money coming in as I was self- employed.

 

One is with vodafone and the other with virginmedia.

 

There is no excuse for me defaulting on them it was unacceptable

but at the time my mum had just died from cancer and I had to move out our rented home and find my own house.

I managed to do this but couldn't afford the bills and this ment me defaulting on my two accounts mentioned above. :o(

 

Not only has this ruined my chance at getting another job for some christmas money

but iv had to sell my car to pay off some other bills so I don't Default again.

 

At the end of January I will run out of money and start missing payments.

Iv been told That if I can get my Defaults removed I will pass the credit check and can start work on the job I passed the interview for after xmas.

 

My girlfriend lives in norfolk and I live in Barnsley we are going to try and get a house together next year

but I also feel these two default will stop us getting a house together thats if I can even get a job to save for a deposit.

 

Any help would be nice here

 

Thanks

Edited by craigboldy

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Hi welcome to CAG,

 

When were these defaults placed?

 

It will be very difficult I'm afraid to get these removed as it appears that the defaults are an accurate picture of your credit history.

In my opinion your only chance is to appeal to the Data Controller of each creditor asking for the default entries to be removed on grounds of hardship, ie the defaults stop you getting a job, so there is no money to pay the debts it is then to their benefit to assist you.


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Hi the defaults was placed in march and one in june.

So I need to write to the head of the companies?

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I have moved your thread to the correct forum.


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Hi the defaults was placed in march and one in june.

So I need to write to the head of the companies?

 

Yes write to the Data Controllers send to the head office address by recorded delivery.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Sorry to be a pain but where can I find some template letters? If there will be some.

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Hi craigboldy,

 

Thanks for making me aware of this.

 

To enable me to get this reviewed further could you email me with the relevant details via the Contact us form here and quote the code WRT135 - CAGlink31.gif Forum in the subject line?

Once sent you'll receive an automated reply with a reference number. To ensure that it reaches me could you update the thread with this and I'll get back to you as soon as possible?

 

Kind regards,

 

Lee

 

Web Relations Team

 

Vodafone UK

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Thanks Lee

 

I'v just filled it in and will let you know when i Get a reference number

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Hi lee I cant find a reference number in the subject bar it said this "WRT135 [#10761517]"

don't know if that helps

Edited by craigboldy

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