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Vodafone mossed payment
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SamB16
Posts: 9 Forumite
Hello
Me and my Gf are going for a shared ownership mortgage. My credit raitng shows as very good and hers shows as poor. This is due to some missed payments from Jan -June 16. She spoke to Vodafone and they say there is nothing to pay and she is in credit £21 ( balance showing on credit file) and this is being refunded to her this week.
All seems very confusing to us. The default date field shows as blank so does that mean it has not been recorded as a default and they are just missed payments instead?
Our broker says it wont stop us but will affect the type of mortgage offer we are offered.
Me and my Gf are going for a shared ownership mortgage. My credit raitng shows as very good and hers shows as poor. This is due to some missed payments from Jan -June 16. She spoke to Vodafone and they say there is nothing to pay and she is in credit £21 ( balance showing on credit file) and this is being refunded to her this week.
All seems very confusing to us. The default date field shows as blank so does that mean it has not been recorded as a default and they are just missed payments instead?
Our broker says it wont stop us but will affect the type of mortgage offer we are offered.
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Comments
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Hello
Me and my Gf are going for a shared ownership mortgage. My credit raitng shows as very good and hers shows as poor. This is due to some missed payments from Jan -June 16. She spoke to Vodafone and they say there is nothing to pay and she is in credit £21 ( balance showing on credit file) and this is being refunded to her this week.
All seems very confusing to us. The default date field shows as blank so does that mean it has not been recorded as a default and they are just missed payments instead?
Our broker says it wont stop us but will affect the type of mortgage offer we are offered.
Positive balance showing on a credit report?0 -
Delinquent/ Default balance: £21
Defaulr date: blank
Thats how it shows.0 -
Do actual missed payments show on the credit file itself?
If so then call Vodafone, and/or dispute them with the CRA. Ask for compensation.urs sinserly,
~~joosy jeezus~~0 -
Yeah they do going from Jan-July 16, every month is marked red.0
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Hi SamB16,
Apologies for the delay with replying.
If your girlfriend would like us to look into this further, ask her to please email us via the form here.
To access the form she'll need to enter the code WRT135.
As well as stating her query in the question box, she'll also need to quote "MSE Forum".
Once sent, she'll receive an automated reply with a reference number. Post it on here and we'll check we've received it.
Thanks,
Lee
Social Media Operations
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"0
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