Remove Default on Credit File

Blue_Lou

There is a £17 default on my stepdads credit file from Vodafone for a mobile phone contract. We have now paid this off and I was wondering if it would be possible for this to be revoked or do you think vodafone would leave it on to teach a lesson ?

YorkshireBoy

Although the default should now be marked as 'satisfied', the credit reference agencies will not remove the default for six years (from the date Vodafone decided the customer had defaulted).

Blue_Lou

I realise this Yorkshireboy - however I decided to take action into my own hands.

I sent them a letter via recorded mail asking them for a signed document where my stepdad agreed to owing the money (consumer credit act) and also I wanted proof that they sold the debt on to a dca. They sent me a letter back within two days removing the default

Warriorsith

Glad you did that, I remember you writing that in another thread. Does this make your CF a worthy one now?

Blue_Lou

Not mine )

It's my stepdads - it looks a lot better now than it did. As for worthy. I wouldn't know. We shall find out in September when he applies for a lower rate loan!

duncan54747

Hi I am in a similiar situation.

I applied for a 0% balance transfer credit card and was refused because of a poor credit score. I have checked my CRA files and the only negative thing is a default for £67 to vodafone from 2004. I cancelled my account by fax back in 2004 then moved house, I didn't give them a forwarding address as I thought that my relationship with them was over. Vodafone failed to cancel my account then billed me for 2 months before serving me with a default notice, which I did not receive because I had moved house.

I have contacted Vodafone who have told me the debt has been passed on to a collection agency and that I should contact them. Vodafone are not willing to accept that they have made a mistake, they have implied in their response to me that it is my fault for not providing a forwarding address.

I'm not sure how to precede - I do not particularly want to pay the debt as I don't feel I owe them a penny, however I would pay them the money if they agreed to remove the default. The problem with this I think is that only Vodafone can remove the default but I have been told to deal with the collection agency.

Any advice would be greatly appreciated I really don't want to have to wait until 2010 before I can get a 0% balance transfer card! in particular Blue Lou could you give me a bit more detail about how you went about dealing with Vodafone?

MinniMe_2

Hi Blue Lou,

this sounds like something taht might help me. Sue to issues with o2 in 2004 it shows a default for 4months!! on my o2 contract - now this was an issue with o2 to which I have letters effectively them saying it was our fault and is now resolved (basically they didn't take a DD for 3 months! never even attempted to take it and then tried to pass the debt onto a collections agency and cut me off - needless to say I wasn't very happy).

Now having recently got my credit file free - thanks to MSE, the only thing on my whole file that is not good is this default showing from o2.

can you give me more details on how you got this removed on your step-dad's card as I think this would help me greatly!

thanks

MinniMe

Blue_Lou

Here is a copy of the letter I sent to vodafone.
I enclosed a £1 postal order and I sent it recorded delivery.
Anything in Bold needs to be changed to suit your needs. Anything in italics is just a note from you and should be deleted.

I hope this helps.

{Your Name}
{Your Address}

{Vodafone Customer Care
Vodafone House
The Connection
Newbury
Berkshire
RG14 2FN

or

O2 Complaint Review Service
PO Box 116
Leeds
LS11 5DS}


Date: {Insert Date here}
Dear Sir or Madam,

Account number - xxxxxxxxxx {If you do not know this you can obtain it from the credit reference agency}.

After recently obtaining a copy of my credit file from {insert credit referency agency} I was concerned to note that your company has placed a "Default" notice against an account in my name.

Further to this neither I have no recollection of ever receiving such a notice, and I therefore require you to substantiate this data at your earliest convenience.

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number {insert Postal Order Serial Number (its on the postal order ! }.

2. You must supply me with a signed true and certified copy of the original default notice

3. Any deed of assignment if the debt was sold on.

I would request that this data is provided to myself within the next 28 days, if you are unable to provide this data then I must insist that it is removed from my files as unsubstantiated.

Yours faithfully
{Your name}