Please Help To Remove a Vodafone default

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ksta786
ksta786 Posts: 6 Forumite
in Credit file & ratings
Hi,

I have a default record on my credit report from Vodafone.
The default date was back in April 2010. During that time, I was diagnosed with Cerebral Lupus(the immune system attacking my own body), stayed in the hospital for two and half months, and I was out of job for another 6 months. I didn't have the money to keep up the bills.

I wasn't aware of the default until 2012 when I needed to apply for a bank loan. Soon as I was aware of the default, I contacted Vodafone(through MoneySavingExpert Forum) and paid it off in full. I have a letter sent from Vodafone stating the balance has been settled in full.

Now, I am preparing for applying a mortgage and starting my family. I know that I would stand very little chance to make it happen if the default stayed on my credit report.
Please can Vodafone Company Representative help me to have the default removed.
Your help will be deeply appreciated.

Thank you
«1

Comments

  • Browntoa
    Browntoa Posts: 49,302 Forumite
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    Moved to credit file section as they can offer better advice
    Ex forum ambassador

    Long term forum member
  • grumbler
    grumbler Posts: 58,629 Forumite
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    edited 19 October 2014 at 11:53AM
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    ksta786 wrote: »
    The default date was back in April 2010. During that time, I was diagnosed with Cerebral Lupus(the immune system attacking my own body), stayed in the hospital for two and half months, and I was out of job for another 6 months. I didn't have the money to keep up the bills.
    It the default is shown as 'settled' in the credit file(s), then this is absolutely correct information.

    I am sure it's not what you want to hear, but IMO, this is absolutely rightful default and there can't be any formal reasons for removing it.

    Savings and insurances exist for avoiding defaults in unforeseen circumstances, but you didn't have either.



    Even if Vodafone agree to remove the default as a gesture of goodwill, this will look like reporting untruthful information and misleading other potential lenders.
  • stator
    stator Posts: 7,441 Forumite
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    Sorry but that's life. As long as the information on the credit report is accurate then I don't think you'll have any luck.
    You'll need to speak to a specialist mortgage advisor as many banks won't touch anyone with a recent default
    Changing the world, one sarcastic comment at a time.
  • thebritishbloke
    thebritishbloke Posts: 1,472 Forumite
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    As everyone else has said, your chances of having the default removed are near non-existent. It will fall off in under 2 years time, so I'd just use that time to save a larger deposit.
    Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. It's an arbitrary number that means nothing when it comes to applying for credit.

    ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH.
  • chanz4
    chanz4 Posts: 10,895 Forumite
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    how much was it for, they may remove but really shouldn't as it makes a joke of the system
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • ksta786
    ksta786 Posts: 6 Forumite
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    Hi Everyone,

    Thank you for your replies, I appreciate your comments.

    The original bill was around 190 pound, but I paid 370 pound as it was on the outstanding default amount. I guess there was a 'Default fee'. I can't remember now.

    The status shows as 'Satisfied' in my credit report. I am not sure is that any different to 'Settled'?
    please advise me
    Thank you in advance
  • matttye
    matttye Posts: 4,828 Forumite
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    Email and ask. Be truthful in your account and they might remove it.

    They dont have to but you've got nothing to lose by asking.
    What will your verse be?

    R.I.P Robin Williams.
  • stator
    stator Posts: 7,441 Forumite
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    I think "satisfied" has something to do with a CCJ that was settled?
    Changing the world, one sarcastic comment at a time.
  • Vodafone
    Vodafone Posts: 4,297 Organisation Representative
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    Hi ksta786,

    So I can take a closer look at things for you, email me with your details via the link in our profile here.

    All you need to do is copy and paste the link into your web browser and it'll take you to the Contact us form on our website. To make sure it reaches me, quote the code WRT135 - MSE in the subject line.

    Once sent, you'll receive an automated reply with a reference number. Post back with this and I’ll check I've received it.

    Kind regards,

    Lee

    Social Media Comms

    Vodafone UK
    “Official Company Representative
    I am the official company representative of Vodafone. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
  • Buzby
    Buzby Posts: 8,275 Forumite
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    And don't forget to tell us what they did.
This discussion has been closed.
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