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Vodafone trashes another credit file and breaks promise to remove entry

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Vodafone have also placed a Default on my Credit file and after serveral letters and a threat to report them to the Data Protection registrar and indeed the office of fair trading they agreed to set my balance to zero and remove all adverse from my credit file. This was on 8th September 2015, and now in short they did eventually set the balance to zero but never did remove the adverse.

 

 

Now after several letters to and fro I have a letter back saying they will not remove the Default.

 

 

I would ask for help from Lee as he seems to be the only one that gets things moving.

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Hi debtkiller,

 

So I can access your account, email me via the Contact us form here.

 

To access the form you'll need to enter the code WRT135.

 

As well as stating your query in the question box, please also quote 'CAG Forum'.

 

Once sent, you'll receive an automated reply with a reference number. Post back with this so I can make sure I've got it.

 

Kind regards,

 

Lee

 

Social Media Operations

 

Vodafone UK

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Vodafone have also placed a Default on my Credit file and after serveral letters and a threat to report them to the Data Protection registrar and indeed the office of fair trading they agreed to set my balance to zero and remove all adverse from my credit file. This was on 8th September 2015, and now in short they did eventually set the balance to zero but never did remove the adverse.

 

 

Now after several letters to and fro I have a letter back saying they will not remove the Default.

 

 

I would ask for help from Lee as he seems to be the only one that gets things moving.

 

I can't seem to find a thread connected to this problem. Do you have one?

If not, it would be better to do so.

 

Do you have it in writing that they would remove the default. If yes, I would be dealing direct with VF management and the credit reference agencies with copies showing what they will do.


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Yes I do have a letter from Vodafone saying that they will remove ALL adverse from my credit file.

 

 

I have contacted the Credit Reference Agencies stating that they are publishing inacurate data, but all they try to do is sell you their services and point me back to Vodafone.

 

 

I am in the process of collecting all that is needed to take Vodafone to court for this and will if it is what is needed.

 

 

I will keep this forum updated with events

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I got your confirmation WRT135 [#12645885] but forgot to mention CAG in it so I posed an update ref WRT135 [#12645966]

 

 

Look forward to your reply.

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Yes I do have a letter from Vodafone saying that they will remove ALL adverse from my credit file.

 

 

I have contacted the Credit Reference Agencies stating that they are publishing inacurate data, but all they try to do is sell you their services and point me back to Vodafone.

 

 

I am in the process of collecting all that is needed to take Vodafone to court for this and will if it is what is needed.

 

 

I will keep this forum updated with events

 

Yes please do keep us updated.

Make sure that the entries are removed and not just corrected.

 

If you would be prepared to post the letter, that would be very helpful


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A big thank you to Lee, I have just had an email from him to say that they have arranged for all negative information to be removed from my credit file.

 

 

I will check my credit file again in 30 days to make sure that it has been removed and report back here then.

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A big thank you to Lee, I have just had an email from him to say that they have arranged for all negative information to be removed from my credit file.

 

 

I will check my credit file again in 30 days to make sure that it has been removed and report back here then.

 

Please do come back when the file is cleansed. Can you check every few days just to see how long it takes to do this. I ask because there is no reason it should take 30 days. It is likely that your name has been added to the regular update process that VF use whereas big companies have access to the Rapid Update scheme where defaults and other data can be done within 48 hours.


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Thanks for all your help Lee it is much appreciated. I have checked my file and callcredit are showing as a Default satisfied and give a default date. Payment info is all good however. If you can give them a push to remove this as it is still adverse. Equifax is fine and I cannot check Experian just yet.

 

 

I find it hard to check my updated credit file often as it seems all the online services only update every month, again if anyone knows different, please let me know.

 

 

Again a big thanks to Lee, you are the only one that seems to get things moving.

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While this won't help with Experian, there are two free online services, Noddle and Clearscore. Noddle is by Callcredit and Clearscore use equifax data. Both very easy to sign up for but they also may need extra info to ensure you are who you say you are.

 

https://www.clearscore.com/

 

https://www.noddle.co.uk/?showSocialMediaLightbox=True


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Hi debtkiller,

 

All required amendments have been made to your credit file.

 

As stated in my email, please allow up to 30 days for them to be updated with the credit reference agencies.

 

Kind regards,

 

Lee

 

Social Media Operations

 

Vodafone UK

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A big thanks to Lee, but as my post of 25th February Callcredit are still just the same, ie showing a Default.

 

 

It actually shows all payment info as ok, but shows a default date of 1st May 2015 and Default satisfied on 28th October 2015.

 

 

It has now been more than 30 days, so it looks like Callcredit are not going to change this now.

 

 

I would ask Lee if he could get this removed from Callcredit as it is still showing adverse info.

 

 

Thanks again

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I suspect that Vodafone may try to wriggle out of this. It is likely they will say that as they have placed 'satisfied' that is all they have to do. I would take this to the Ombudsman now as you have it in writing that all adverse data will be removed.


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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Well I still have had no reply from Vodafone and my Credit File is still showing adverse info, so it looks like I am going to have to start the process of collecting and collating all information to take this to court, looks like a long summer, but I will win and I WILL claim all expenses.

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Make sure that you have all the evidence that shows VF saying they will remove the entry, not just amend it. Filing a claim is relatively straight forward but you should follow protocol first.

 

Send VF a Letter Before Action telling them what you will do should they fail to do as promised and giving them 14 clear days to do so and should they fail to do so, court action will follow.

 

Following this route is by far the quickest way to get resolution. If you are not prepared to follow through with this, go to the Ombudsman instead.

 

I also notice that no one from Vodafone has been on CAG for the past two weeks.

 

From yesterdays Mail on Sunday

 

http://tinyurl.com/hx8vwkh


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Good news is that Lee from Vodafone has contacted me. He says they have checked and that there is no negative on my credit file, however Callcredit are still showing a Default although satisfied. This IS NEGATIVE info.

 

 

I would ask Lee to send me a copy of what Vodafone sent the Credit Reference agencies in February 2016 to correct my credit file as I am getting fed up with this. If Callcredit are at fault, it will be them I will take legal action against.

 

 

This inacurate data on my credit file could have very serious consequenses to me in the near future, and should this happen I will gladly sue those responsible.

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Vodafone may consider the words 'default and settled' to mean there is no negative information on there. This is not the truth.

 

Any time the word 'Default' appears on any credit file entry, this IS negative, settled or not.

 

We on CAG are beginning to think that having a VF presence is having no beneficial effect to users so we are more and more advising people to deal with them in writing and live chat where you can keep copies of what is said and done.

 

You can check with Call Credit to see if they have had any notification from VF regarding the removal and if none received, raise it again.

 

Keep plodding. Things never go as quickly as you would want them too.


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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