Jump to content


Vodafone Default Query - Default date changed and extended


fkofilee
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 303 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I've just checked my credit report and an organisation that I had dealings with defaulted an account in October 2014.

 

Start of this month... It dropped off as it should. 

 

22nd of October 2020 it was readded with an amended default date of March 2015.

 

There is no reason for the Default Date to have been amended and last payment was March 2014.

 

I am right in thinking that under NO CIRCUMSTANCES a new default can be registered? 

 

Account has not been sold to a DCA... 

 

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

if you didn't satisfy the original DN ...then no.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Its a Telecoms Debt so no CCA involved (IE not O2 Refresh etc) 

And no - the original DN was not satisfied due to the amount at the time. 

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

Speak to the telecom and ask why its been amended from Oct 14 to  March 2015 ? 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

I have at complaints level - They said to me that the balance is still outstanding and to raise a dispute with the CRA...

 

Errr Sure - But that doesnt absolve you of your responsibility Mr Teclo Company - You are the one who changed and reported the information.

Raised as a CEO complaint due to the bad blood between me and said company but unsure whats going on. 

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

Notice of correction then with the CRAs...they will be able to see its already been removed on its anniversary...but they wont be able to explain why its been extended a further 5 months ? 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Have had NOC about the account in dispute for the last 3 and a half years since CIFAS Cat 4 Marker due to their incompetence. 

Well thats the thing - I said that this morning to their complaints team when making an enquiry myself but the complaints team were tightlipped and were verbatim told just to say raise a dispute with the CRA.

Its almost like the dont believe. me... But if you check the history on my CRA for the account - Its blank apart from a marker for Oct 2020. 

 

The original entry with Experian is attached. This was the same across all 3 CRAs. It dropped off

 

image.png.15ac1959092a9f6736019d998a1acedd.png

 

Then this appeared from now.

 

image.png.2496b9b7d5a61e0bc34392540e2515f7.png

 

You can clearly see its been pushed out. Thats from my Transunion stat report. All said exactly the same thing... 

 

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

ICO time then if you cant get anywhere with either.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Thats what I thought... It was only raised last night so Im going to try and resolve over the next few days direct... But if no dice - ICO it is. 

Because its Vodafone - I am not taking any hostages... 

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

Its the responsibility of any Data Controller to submit correct data to the CRAs under the accuracy principle of the GDPR (Article (5)(1)(d)).

 

https://ico.org.uk/for-organisations/guide-to-data-protection/guide-to-the-general-data-protection-regulation-gdpr/individual-rights/right-to-rectification/

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Thanks Andyorch - Completely slipped my mind to check that.

Ive already cross referenced all CRAs and the ICO Document on credit reporting where it states a default should be removed after 6 years. 

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

:thumb: See what transpires.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Response from the Credit Team @ Voda

 

"The information on your credit file is correct" 

 

And this is why Voda's entire company seem to have their head in the clouds. I have literal proof that the date has been the same for the last 6 years and then its been changed. 

Ive sent further proof of the DSAR from Equifax I have showing it as the 1st Oct 2014. They are now making me wait a few more days to reassess the evidence. 

They are completely useless in every regard...

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

Can you show the (new, incorrect) default has caused you pecuniary loss?

if so, letter before action (also requiring them to amend the incorrect info), and then claim for your loss(es) (with Voda as the defendant) in the small claims track of the county court.

 

Then, if they are daft enough not to correct it and you suffer further pecuniary loss as a result, a further similar claim for both the new loss and a mandatory injunction to correct the reporting to reflect the true DN date.......

Edited by BazzaS
Link to post
Share on other sites

no 

what has the ico said?

thread title updated

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • dx100uk changed the title to Vodafone Default Query - wrong Date on Credit File.

Nothing yet because I havent raised it yet. I want Vodafone to respond and either amend it willingly or provide a Dead Lock Letter so I can justify my case with the ICO. 

 

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

you don't need too 

the ICO typically take these on and sometimes it's sorted in one day now.

 

neighbour had a 3 default that was the same, for some unknown reason 3 decided to move the defaulted date until they sold the debt, from what they had was the last payment date.

 

the ICO told them they can't do that as it's not covered by CCA and must be last payment date.

took one phonecall

that was start of october.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Really? ¬_¬ Thats impressive for a Government Bod... 

I will take a look at them again. I referred them over earlier this year a case for ARC Europe regarding the data breach I found - Took them 3 weeks to come back to me. 

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

  • Andyorch changed the title to Vodafone Default Query - Default date changed and extended
  • 3 weeks later...

Update

 

Vodafone blame Equifax, Equifax blame Vodafone and rightly so as the other 2 CRAs had the same information.

All 3 CRAs have only asked Vodafone if its correct and not challenged them. Vodafone's Customer Relations Team keep taking the Credit File Teams responses like holy gospel. 

The response from Vodafone CR also got the default date wrong that Im complaining about - Typo but even so - Kind shows you that Voda trains these Vodaclones poorly. 

 

DSAR requested this evening with correspondence requests for Date of Default etc

Vodafone reported to the CRAs monthly the balance but did nothing about the default date so naturally it dropped off in October when it should and magically reappeared. Something is off here and isnt adding up.

All 3 CRA complaints have reached exec levels and are using the "We only report what Vodafone tell us too" card which is bollocks IMHO when clearly im raising a fault. Someones head will role. 

 

ICO informed this evening but potential wait of 3 months... If it takes 5 months, the default will disappear. 

Vodafone HAVE committed to me in writing the below;

 

Quote

In response to this, I can confirmed that Vodafone will stop reporting the default on the 1 March 2021. I do have to advise that it can take up to 30 working days from this date for it to reflect on your personal Credit File report.

 

Im so fed up of this its been on my mind for 3 weeks now. I gain nothing from it being removed. I still have my CIFAS  marker and 2nd account in default but all I want them to do is to abide by what is required under law. 6 years from date of default. 

 

image.png.9988f6f25e5d19b95e9898644dd17770.png

 

image.png.2a2d5ad75685b22f00ba6b8d6c1168ff.png

 

 

It clearly shows the correct date. Check the replacement. 

 

image.png.742457a1201e183e724b8cb2929a8760.png

 

image.png.14fe69f0806c9950b226845a29237f51.png

 

image.png.72c71e32aaf3e48b34d8f2eb97e54a5d.png

 

Im really at a loss...

 

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

  • 5 weeks later...

correct

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I know the account had no CCA involved but I am querying the DN side of it / Date. 

I thought DCAs wouldnt issue DNs.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

handled...dosn't say issued by them..they are just trying to confuse.

 

whomever can't just bump the defaulted date at will

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

And bear in mind there is no requisite to issue a DN on unregulated debts.....but the OC still retains and is responsible for all the information with regards to the placement of the original marker on your CRAs.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...