Please Help To Remove a Vodafone default

ksta786

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

Browntoa

Moved to credit file section as they can offer better advice

grumbler

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

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

thebritishbloke

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.

chanz4

how much was it for, they may remove but really shouldn't as it makes a joke of the system

ksta786

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

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.

stator

I think "satisfied" has something to do with a CCJ that was settled?

Vodafone

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

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Vodafone UK

Buzby

And don't forget to tell us what they did.