Vodafone- Default for 1+year, Vodafone has no record of me

[Placidbob]

So just checked my Noddle credit file and see that vodafone have been defaulting my account for the past 1.2yrs. Now i got myself into debt bother a while back and vodafone got left unpaid. So it went on for a few months where i cancelled (or let if terminate) and eventually i was contacted by a debt collection company (i forget the name). I eventually settled with them over the phone, to pay off the OSB without the charges (this was over a year ago) and since then ceased to get correspondence from them. Now i have since got my finances in order everything and last year staged a bit of a bonfire with my debt letters. So i phoned vodafone today and I gave them all previous address's to which nobody has any record of, and got repeatedly told to find my paperwork which each time I explained I did not have any. So firstly- is it possible for vodafone to be defaulting my account even though passed to a debt collection agency (could have been one of these "internal" ones though) and Secondly- where do I go from here?

 

The wee collections dude could not even rub two sparks together and advise me to write in so phoning ever again is off the cards and even still no idea how i can confirm DPA with a letter if i don't know what address details/password to include?

 

P.S. the default shows on my current address on the credit file

[citizenB]

I find it quite bizarre that they have no record of you, but are recording a default. Yes, I would write to their Head/Registered office - presumably you can remember the telephone number you had at the time ? There might be an account reference on the credit report.

 

Ask them to either resolve the query or remove the default.

[Lee Vodafone Company Rep]

Hi Placidbob,

 

Thanks for making me aware of this.

 

So I can help you further, email me with your details via the Contact us form here and quote the code WRT135 - CAG Forum in the subject line.

 

Once sent, you'll receive an automated reply with a reference number. Post back with this and I’ll check I've received it.

 

Kind regards,

 

Lee

 

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Vodafone UK

[Placidbob]

So finally found my account details in an old email account, called again as I did not want another default on my credit report and asked some questions regarding this amount outstanding. It seems as if the main problem here was that I made a verbal agreement with the DCA, which they did not fulfil so this has been passed back to Vodafone and they have been applying the default so agrred to make the final payment just to clear that matter up.

 

However, the matter that I am now concerned about is the default’s attached to my credit report. I will need to get more info in writing but I have had a default applied every month since failing to pay (and surpassing the reminders to pay) now this was passed to a external 3rd party DCA (firstline I think). Now should Vodafone be applying their default on my credit file when the debt has been passed to DCA. Also I was on a payment plan for 3 months with the DCA, should the defaults not have stopped during this time?

 

Finally, when returned to Vodafone should I have received a notice of assignment for the remaining balance? (The reason the Collections manager gave me for not receiving this is that the DCA was merely acting on behalf of Vodafone and the debt was not actually “sold” to them???)

 

Lee has still not got back to me but I did not really have account details to send to him from the link provided.

 

Could I have you guys input for the defaults as this is damaging for my credit file.

 

Many Thanks, Placidbob

[citizenB]

It all depends on whether the account has been sold/assigned to the DCA or whether they are simply collecting on behalf of Vodafone. I think also they can come to an agreement as to who continues to update the records.

 

From waht you say above, it looks as though they are simply collecting on behalf of VF.

[Placidbob]

Thanks for the quick reply CitizenB, what about when i was on my payment plan, Surely they should not have been applying a default when the bills were paid?

[Lee Vodafone Company Rep]

Hi Placidbob,

 

I've not seen your email. So I can check again, please let me know your email reference number from our automated reply.

 

If you've not received this, email me again via the contact details posted last week.

 

Kind regards,

 

Lee

 

Social Media Comms

 

Vodafone UK

[2Grumpy]

... called again as I did not want another default on my credit report and asked some questions regarding this amount outstanding....

 

Could I have you guys input for the defaults as this is damaging for my credit file.

 

Be aware that simply paying will not remove the default.

 

You should also be aware that vodaphone will appoint itself as prosecution, judge and jury in this and the best that you can hope for from them is "to remove it as a gesture of goodwill" if you can show that they were obviously wrong to apply the default in the first place. There is no independent person to arbitrate here. Even the DCA will tell you to contact vodaphone because "they can't touch the data ... even if it's wrong"