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Vodafone black mark just prior to a mortgage application!

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After some research on here I now know the true horror of what Vodafone have done to me.


To cut a very long story short


my Vodafone account was closed early and paid up by me in June (so I thought) PAC code transfered all done. Goodbye Vodafone - hurrah!


Get a letter in September saying I still owe £90odd

. I have contacted them on many occasions saying please can I have an invoice so I can see why you think I owe this?

Athough promised each time nothing received,


next I get mail from debt collection and then black mark on my (previously perfect) credit history -

Just as I'm apply for a mortgage!

Thanks Vodafone!!


they can say I owe them something

, not produce an invoice to back this up

and then ruin my chances of getting a mortgage with absolute and complete impunity!


On the advice of my mortgage broker I paid the o/s amount to minimize the damage.


When I did this I was told i could speak to the team that placed the marker against me as I wanted to explain it was paid late because vodafone did not supply me with the information required to resolve the dispute and therefore please remove it.


After the amount was paid I was put through to sales!


When I called back to try once again the line was dropped after 50 minutes


. I just dont have to time to spend many more hours on the phone to receive empty promises.


So even after paying an amount that im not sure I owe I still have got nowhere in clearing my name


. Its shocking and I cant think of any other industry where people could behave like this and get away with it.

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Hi and welcome to CAG.


I despair! Time and time again we see things like this. VF are so quick to placed markers on a credit file without fully checking the background.


By using the PAC code, this would finally terminate the contract and you paid up the ETF and they never sent you another bill until it was too late.


You could try this link and see if Lee can assist




If this fails, you could sue them in court, especially as you may have suffered a financial loss

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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Some other pertinent things to add:


The debt collection agency said that as far as they were concerned they were still showing the account as active


so even if I paid off the balance (which I did) there still may be further unpaid amounts showing in my credit report!


This was another reason I jsut decided to pay it even though I didnt think I owed that amount.


When I spoke to Vodafone today and said I'll pay off the balance I asked them to email me to confirm the accounts had been closed and settled. And of course you've guessed it - no email!!


The debt collection agency said they are moving to a new system (I did hear this from some Vodafone people) and I may be live on one and inactive on the other.


This all makes me very nervous as it seems impossible to speak to anyone who does what they say they will.

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