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    • I forgot to add I originally messaged them via there website which I still have access to . Was this Ok ? 
    • If I copied anybody into your complaint it would be your local Care Commissioning Group, not the GMC...
    • So ignore emails from ADCB now ?  I told them they will have to contact me by email and it will have to go to UK courts
    • Hello   Not a legal issue as such but wasn't sure where to ask advice on this.   I have just been awarded £2050 on a PPI claim.  I went through a claims company so i expected to pay them 40% plus VAT of the claim won.  However, i am querying the quoted court costs (which i was not informed about prior to this).  They are quoting the following court costs: -   £205 - Court Issue Fee £335 - Court Hearing Fee   I am no legal expert but these seem very high for such a small financial claim.  I will be lucky to see £500 of the initial £2050 if this is correct (yes i understand the 40% i could have avoided if i didnt use the claims company).  If these costs seem realistic then no probs with agreeing to them but if the claims company artificially inflated these for their own gain i would be none the wiser.     Can anyone advise please?   Thanks 
    • Our general hospital uses a similar system, but I don't think(?) it displays all your personal details for confirmation at the end of the process.  In fact I'm pretty sure that at the end of the process it displays only the last three or four digits of your 'phone number and you must confirm that this is correct.    Also at my GP's surgery it only asks for date and month of birth together with the initial letter of your surname and then it displays "Thank you.  You are recorded as attending".   I would say what you describe is a sort of breach of data protection, but not sure how serious it might be.  (I can see no valid reason for displaying full name and address etc if other hospitals' systems don't).   Go to the website of the NHS Trust in question and see what their complaints process is.  There may be two different processes: one for "general complaints" and a separate one for data protection complaints (eg direct to the trust's data controller*).   Personally, I would complain down both routes.  Don't, whatever you do, get diverted down the PALS (Patient Advice and Liaison Service) path as they won't be equipped to deal with this sort of issue.   As a former NHS manager I'd be interested to know what sort of reply you get.   FWIW I'm surprised(!) the ICO suggested complaining to the GMC as they won't be interested.  This isn't a medical staff issue - it's a trust data management issue.  (I'm really surprised at the ICO's suggestion on this - it's bonkers!).   *If you can't find out how to contact the Trust's data controller from their website, ring and ask them.   EDIT:  I wouldn't allow people to "shoulder surf" me.  Our trust makes it clear that people behind you have to stand behind a line so they can't see over your shoulder.  If anybody was standing directly behind me I would "politely" draw their attention to the notices and "ask" them to stand back.  If your hospital does not make this clear, that's another complaint...)
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CaptainBalrog

Good credit score mauled by vodafone **Sorted.. NOT. Still ongoing.**

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Hi

 

Seems a common complaint but just thought I'd add my voice and seek advice.

 

Stop me if you've heard this one.

 

My fiancee left her vodafone contract early due to extortionate billing and general incompetence.

 

She payed the agreed settlement figure.

 

Then vodafone billed her for another small payment. Around £30.

 

She then entered into a dispute with them over this extra payment.

 

She was unaware that vodafone had registered a default with the credit reference agency until she tried to get credit.

 

She complained to vodafone. No joy.

 

In the end she agreed to pay the amount on the condition that the default would be removed from her credit history.

 

Vodafone agreed to this.

 

She payed. Her credit history remains unchanged.

 

I have taken over dealing with this as it has got to a stage where it is causing her serious emotional distress.

 

I contacted the CEO Office.

 

They asked for some details.

 

I provided them.

 

I received no response.

 

I contacted the CEO office again and stated that if they did not intend to resolve the situation i would require transcripts of any conversations they had with my fiancee.

 

No response.

 

Then they phoned my fiancee and said that they would have to fill out a form and send it to the credit reference agency. They said it is the credit reference agency's responsibility to rectify the situation.

 

That's the story so far.

 

I cant believe it! Her credit score is way higher than mine. It's 990 plus! But because of this thing with vodafone we cant do anything that requires money. We cant travel, buy a car, remortgage either of our houses jointly, get married, or even open a new bank account as we discovered today!

 

I hope I've been doing the right things to try and get this sorted out but i don't really know.

 

I thought that if you asked for transcripts they would have to provide them under freedom of information or something?

 

It's a whole new experience. Any advice would be much appreciated.

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If Vodafone have told the CRA that the default is to be removed, then yes, complain to the CRA. However, have VF actually done this ??

 

Do you have it in writing that they will remove the default ? I guess not as you say you are attempting to obtain phone records.

 

You will NOT obtain these under Freedom of Information. You will need to send a Subject Access Request to VF - it will cost you £10.00 they have 40 calendar days in which to respond.

 

Draft request linked below.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015**(1-Viewing)-nbsp

 

Meanwhile you might want to follow the instructions to contact the CAG Vodafone rep which are in the 1st post of the link below. You will be given a reference number, which you should post in THIS thread and Lee will then look in and take up your case for you.

http://www.consumeractiongroup.co.uk/forum/showthread.php?213340-Vodafone-Webteam-for-Customers-With-Problems-**UPDATED-November-2014**


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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

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2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

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4: Staying Calm About Debt

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Excellent, I am sure Lee will look in on you first thing tomorrow.

 

I have popped the reference in your title as well so he cant miss it :)


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Oh dear, oh dear! VF customer services saying one thing without meaning it! Who would have thought eh?

 

Actually, this is a regular ploy used by staff. They promise that the default will be removed when all that means is that they will mark the file as 'settled'. This means nothing as it is the default that is the killer.

 

I hope Lee will be able to help as he has seen this before.

 

You should get a deadlock letter if VF refuse to assist you and then take it to the Information Commissioner. A default for £30 does not reflect a true picture of her financial situation.

 

Also, she could write a 'Notice of Correction' which can be up to 200 words and have that added to the offending default. Theoretically any new creditor is supposed to read that when making decisions.


If you are asked to deal with any matter via private message, PLEASE report it.

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Hi

Just wanted to say that this problem was resolved very quickly once Lee became involved.

 

This was a huge issue for us and we are very grateful. Thank you Lee.

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Hi

Just wanted to say that this problem was resolved very quickly once Lee became involved.

 

This was a huge issue for us and we are very grateful. Thank you Lee.

 

Great news. Has the default been removed as yet? If yes, I will mark this thread as resolved otherwise I will wait for the removal then mark as such.

 

You may wish to leave things as they are but if you have lost out financially because of this then you could make a claim for compensation.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Yes the default has been removed.

 

I don't think we have lost out financially. We were just not able to progress with anything while that default was there.

 

So I'd say we're just happy that the situation is resolved.

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Cool! I have marked this thread resolved.

 

One word of caution if I may. Keep an eye on your credit file...Just in case the default re appears.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi

 

So something unexpected happened.

 

We looked into getting a loan again. Long story short we couldn't because to turns out the afore mentioned default has only been removed from Experian; it still exists on Equifax!

 

Not sure how to proceed here. I still have all the emails that relate to this but the From addresses look a bit generic. Not sure it's worth replying to them after this much time.

 

Anyone had this experience? Could do with some advice before i do anything.

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I think perhaps you should make contact with Lee again, Captain B. If you have been refused a loan because of this then I think you are entitled to look at some form of compensation, this time.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi

I tried the email address from the last communication we had with Lee but I got a response back saying it is not used anymore.

 

Then I tried the directorsupport email and got a reply back saying i don't have an open complaint and should go to the vodafone help centre.

 

I've called the help line before and been told vodafone dont have a complaints department so that's a nonstarter.

 

I've just opened a live chat window and the wait time is 30 minutes!

 

So it looks like I'm back to square one.

 

Truly appalling customer service!

 

Just about to start the whole process again. Can this thread's status be changed back to unresolved?

 

I should say that vodafone pitched the removal of the default as a gesture of goodwill which suggests they feel there was no wrongdoing on their part. However, my fiancee feels that this situation came about as a result of misinformation and gross mismanagement on the part of vodafone.

 

Is this a tactic they use to deflect potential legal action? I'd like to know if anyone out there has any experience of this as we are being advised by various people - including my own legal representative - to gather evidence with a view to seeking compensation.

 

The main problem - as i'm sure many of you are aware - is that the various declined credit applications made during the time that we were unaware of the default have caused long term damage to my fiancee's credit rating and therefore to our quality of life.

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I have changed the title again for you. It may be that Equifax take a bit longer.

 

I will PM Lee to see if he can drop in to assist


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi again

 

I've not heard anything from the various avenues of communication i have tried so i decided to kick the process off from the start again.

 

Here's my ref 9931590

 

Lol!

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I think Lee might be on holiday as he hasn't been here since the 24th so my PM to him will have been missed. Hopefully one of the others at VF will pick this up now you have raised it once again.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi

 

Has anything happened with this?

 

Not sure if my fiancee has missed an email or if no one has got back to her.

 

Hope this gets resolved soon as it is now in danger of derailing our wedding plans!

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Hopefully this should be the end of it. I won't edit the title for a month. Can you check your file in May to ensure this doesn't happen again


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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This has become a joke, for the past 7 months you have been telling me that your systems are upgrading, something about moving the old migration to the new system, I don't know what is going on but for the past 7 months you have consistently suspended my line every month when I have a direct debit set up but you are not taking the money out, every month you confirm and say my direct debit is active and then do not take the money and suspend my line, now you have taken this too far by putting a default/late payment on my credit history which in turn has resulted in me being declined for a mortgage. I am so tired and regret ever joining Vodafone that I really just want to end this contract.

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I wonder why Vodafone topped the list of most complained about mobile company. Oh yeah, Poor excuse for customer service. Just because they are migrating systems should have no detrimental affect on you however, now that you have been turned down for a mortgage you have suffered a loss and that loss should be compensated for by VF.

 

Only do this if you are willing to follow through. Send a letter before action giving them two weeks to rectify their error and pay suitable compensation. Should they fail to resolve the matter, sue them. You have most of the evidence but if you haven't sent them a SAR, now is the time to do so.

 

This is very poor practice from VF.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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