@vodafoneuk Vodafone default on credit score account [#11136478]**Resolved**

[hugh12]

applying for a mortgage and

 

 

upon checking my credit score,

i find a default from a Vodafone account on my file

- whilst i may have had a PAYG phone some time in the distant past

- the credit score says the account was opened in April 2010,

i definitely didn't use it when it is alleged to have gone into default

 

How can i get default VODAFONE LTD GEMINI removed from credit report?

 

 

It says 2 mised payments in March 2014, defaulted in July 2014 and it says £14 was owed

 

Communications Supplier from Vodafone Ltd Gemini (I) / XXXXX5419 is the account

[dx100uk]

urm..interesting

have you moved in recent years?

could this be fraud in your name

[hugh12]

Re: WRT135 [#11136478]

[hugh12]

Hi

 

Thanks for the reply

well apparently i opened this account in April 2010 - i well may have done, but if i did, it was PAYG - it remained in good stead until this alleged missed payment

 

i have found a thread about speaking to ?Lee via their social media and hopefully i'll get an answer - at the moment i'm just going around and around in circles

[dx100uk]

sounds strange to me for sure.

a payg account cant suddenly go £14OD.

weird.

unless they 've re assigned the numberorf the old phone has been found & used?

but even then its payg, how can it run up a debt.....

[hugh12]

The account, has a perfect credit history until this.

 

Clearly the credit gods are on my side, i literally (in the past 5 minutes) have heard from my mortgage company that despite this buggering up my credit score, i have a mortgage

[dx100uk]

well that's good

 

 

we did here some months ago that odd accounts like this were in the main going to be ignored with regard to a mortgage.

 

 

seems silly a 'gadget' can ruin someones future.

 

 

dx

[Lee Vodafone Company Rep]

Hi hugh12,

 

While it's good to hear that your mortgage has been approved, I'll still look into this for you.

 

Once I have further news, I'll let you know.

 

Kind regards,

 

Lee

 

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[silverfox1961]

Hi Hugh,

VF need to remove this default irrespective of whether it is your debt or not. Filing a default for £14 does not in any way reflect the true position and you could have been offered different mortgages or credit cards at a higher rate than you normally would have.

 

Lee has had some success in getting these removed by using a simple technique.... common sense!

 

A default for £14! Pathetic!

 

If they refuse to remove, you could sue them or if you are prepared to wait forever, contact the Information Commissioner

[hugh12]

Lee

 

Thank you for replying to my post

 

digging around yesterday, i quite by accident found emails from 2010

I think the phone number maybe 075007038**

(the ** numbers being Five and seven)

 

other that i have no idea

 

 

silverfox1961

Thanks for the reply

yes, it does seem the chaos this caused was disproportionate to the debt - but i'm sure a human was never involved and its all been done by computer.

I just hope this gets sorted, was more than willing just to pay the debt, but that proved impossible as well

[hugh12]

many many thanks to this forum and to those that replied

 

i'm very glad to report that Dave and Lee from Vodafone have sorted this all out - i'm not sure of what happened and to be honest don't care - my credit report has been repaired and i am very happy. But it does go to show how such a little "debt" could have a damaging impact and checking your report at least yearly is best practise

 

Many thanks again

[silverfox1961]

many many thanks to this forum and to those that replied

 

i'm very glad to report that Dave and Lee from Vodafone have sorted this all out - i'm not sure of what happened and to be honest don't care - my credit report has been repaired and i am very happy. But it does go to show how such a little "debt" could have a damaging impact and checking your report at least yearly is best practise

 

Many thanks again

 

Excellent news. I will mark this thread as resolved however, can you check your report for at least another month as VF have been known to re-add the default. (which has cost them dear in the past)

[Lee Vodafone Company Rep]

Hi hugh12,

 

Thanks for updating the thread to confirm that this is resolved.

 

In regard to the concerns raised by silverfox, I'll check things again in a months time.

 

Kind regards,

 

Lee

 

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