Default notice removal

dpage18

Hello - Back in 2013 i missed a 2 payments on my phone 4 u contract and resulted in a debt being created for £200 , This was record as a default ( repaid after 2 months).

My issue is that I can not now renew my mortgage deal for this small amount that occurred years ago. the punishment doesnt seem to fit the crime

I have rang vodaphone who are quite heartless and will not remove the notice.

Does any one have any advise on how to remove it ?

DevCoder

Its an accurate picture of your credit history as it should be.

Thrugelmir

dpage18 wrote: »

My issue is that I can not now renew my mortgage deal for this small amount that occurred years ago. the punishment doesnt seem to fit the crime

There's no need to renew your mortgage. No one is going to take it away from you.

Why couldn't you pay your phone bill? That's the concern any lender will have.

Vodafone

Hi dpage18,

If you'd like me to take a closer look at this, 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

rizla_king

Vodafone are braking the old ICO guidelines. http://webarchive.nationalarchives.gov.uk/20100428141142/http://ico.gov.uk/upload/documents/library/data_protection/detailed_specialist_guides/default_tgn_version_v3%20%20doc.pdf

11 Time framework

Although there will be some flexibility in the definition of a breakdown, we believe there should be general rules for the minimum period of arrears which should exist before a default can be filed. Equally there should be a maximum period after which, if anything is to be recorded with a credit reference agency, a default must be filed. The following are in line with the practices currently adopted by most lenders.

Quote:
• Accounts should not be routinely filed as being in default where full payments or those due under a rescheduled agreement are fewer than three consecutive months in arrears.
• Accounts should normally be filed as being in default where those payments due have not been received for six months.

This time framework only relates to filing defaults. It does not affect the lenders’ ability to continue to report accurately on the extent of arrears using monthly status codes. We recognise that may not always be appropriate for products which advance credit over either a very short or very long-term.

dpage18

Hi thanks for your help. I was not explained the ter!nation process correctly that lead my account to go into arers. But money was paid off v quickly. I am trying to obtain a new fixed rate for mortgage. But because of default for very small sum. I cannot. Other than that my credit rating perfect

rizla_king

Complain and take them to the ICO and communications ombudsman if they dont remove it.

Vodafone

Hi dpage18,

I don't appear to have received an email from you.

So I can access your account, email me via the contact details provided in post four above.

Kind regards,

Lee

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Vodafone UK

dpage18

I have sent a email , I have tired again today. I have also contacted quilty control via email and replied to there responce but had no reply back

Vodafone_company_representative wrote: »

Hi dpage18,

I don't appear to have received an email from you.

So I can access your account, email me via the contact details provided in post four above.

Kind regards,

Lee

Social Media Comms

Vodafone UK

redux

It does seem unduly hasty and disproportionate. A credit card might put up with a year or two or three of agreeing reduced arrangements and seeing them slip before reaching recording a default.

krisdorey wrote: »

Its an accurate picture of your credit history as it should be.

It's a late payment, not a default

dpage18

Thanks Redux ,

Yes , They have their money and i have never had any issue uptill that pooint was again due to being mis infomred - I have only had poor customer service and communication issue with Vodafone .

Hence the above comment.

I just feel its a bit of a harsh pently vs its implications for the next 6 years ! Just asking vodaphone to have a heart