@vodafoneuk Wrongly issued Default Payment on Credit Report

[jackbow]

Hi All,I am new to the forum and have just signed up as

i have seen many threads on default payments being removed.

 

My girlfriend and i have recently applied for a mortgage and was declined due

to default payments against her name from vodafone.

 

She had a contract with them in 2010.

It was a 24 month contract and throughout the whole contract period

she experienced problems with vodafone charging her too much or even taking two payments out in a month.

 

with approximately 3 months left she decided she wanted to leave vodafone

and would ring up to pay off the remaining balance of her contract so she could be released from it.

 

When she rang she explained why she wanted to leave and said she just wanted to pay the otustanding balance

of the contract so that she could be released and take out another phone contract with another company.

 

She was then told that the payments could not be taken in advance.

It was then agreed between herself and the vodafone advisor that vodafone would not take any more payments

from her account and would bill her at the end of the contract term with the final bill amount.

 

she believed vodafone wouldnt take any more payments she cancelled the direct debit going out.

 

When the final payment was due, vodafone did not contact her with any method to pay the final bill,

which was a couple of months worth of bills.

 

The first sort of contact which was received was a final warning notice to pay within two weeks of the letter being sent,

the letter was received three weeks after it was dated.

 

Therefore her debt was issued to a debt collectors service.

 

She then proceeded to ring vodafone stating how they had not gave her sufficient time to make the payment to them,

to which they agreed and recalled the debt from the debt collectors.

she then paid the oputstanding balance and thought that was the end of it, one big misunderstanding.

 

We have recently applied for a mortgage and when her credit was checked it was shown

to have 3 months worth of default payments to vodafone. therefore we were declined.

 

I was wondering if there was any way in which these could be removed,

as it was not her fault that vodafone tried to take the payments when they agreed

to pay the full outstanding balance at the end of the contract term.

 

Bearing in mind that between when this was agreed and the end of the contract term,

vodafone cut the contract and the sim card could no longer be used.

 

Any help with this would be greatly appreciated as this is stopping us moving forward and getting our first house together!

 

CheersJack

[dx100uk]

sadly its really annoying that a 'teen gadget' can ruin the rest of a persons life.

or prevent them from getting one of the most important things a mortgage.

 

there are lots of these default threads here & not only with voda.

 

we have them on-board

 

can I suggest you do the following:

 

We thought it would be nice to introduce ourselves and to assure you all that our presence on CAG is with the very best of intentions.

.

vodafone UK has recently introduced a dedicated Web Relations Team which is keen to seek out customers who’re having difficulties with their accounts and feel that they have no other place to turn to than CAG and other consumer forums and blogs.

.

Naturally, it’s not possible for us to help directly with account specific queries on CAG and as such we would encourage those members who feel we can help them to contact us privately at [email protected] quoting ‘WRT135 – CAG Forum’ in the subject line.

.

When emailing us we would also ask that you either provide us with a link to your post or thread – if you’ve posted in another member’s thread please also provide your CAG username so that we can check what your query is.

****Also you will get an auto reply number. Post the number you get back in YOUR thread ***

 

Many thanks

 

Web Relations Team

Vodafone UK.

...

 

dx

[jackbow]

Thanks for the swift reply. I will try that straight away! just to add insult to injury she launched a complaint through the website when it happened and was never even contacted with a reply! great customer service!CheersJack

[Lee Vodafone Company Rep]

Hi Jack,

 

Thanks for making me aware of this.

 

I've got your email and will get back to you as soon as possible.

 

Kind regards,

 

Lee

 

Web Relations

 

Vodafone UK