Vodafone Default on my Credit Report

BettySwollock

Yes I understand that, now and should not have done. However It wasn't that a small amount just carried over. they basically just continued to charge my monthly rate.

xlnc99

Intresting, so the default was originally vodafone but cause it got passed on to lowell it was lowells default on ur credit report.

However now you have to go back to voda to remove it even though on ur report it says the default was from lowell (because they bought the debt)

Sounds confusing, surley lowell have to remove the default

[Deleted User]

No.
Because Lowell hasn’t purchased the debt.
They are collecting it on behalf of Vodafone.

Therefore Vodafone need to instruct them to back off and cease and remove any incorrect markers and entries

BettySwollock

Update.

Still no reply from Vodafone

[Deleted User]

How have you contacted them?

BettySwollock

I have sent 2 complaint forms which say a 5 day turn around. 1 was 2 weeks ago. the other was the start of this week

Anjali1991

Hi,

i am wondering if anyone can offer me some advice on a similar situation?

A few years back I took out a contract with Vodafone. Towards the end of my contract I kept receiving messages saying I am nearly out of data. I rang Vodafone to clarify as I knew I had hardly used any data. They informed me that there was a technical issue on their part and that I should keep using my data as normal and I am no where near my limit, so I continued to do so.

I then receive a massive bill for the data that I was misinformed about. I had disputed this with Vodafone and refused to pay as this was not my error. Having moved homes a few times I didn’t receive anymore letters from Vodafone.

In the meantime my case has been passed to Lowell’s debt collectors for more than double the amount and I have been issued with a CCJ on my credit.

Since all of this has happened it has caused a huge impact on my current lifestyle as because of my poor credit, the interest charges are just too high for me to be able to get a loan to help me about with my work (purchasing a car) and getting a mortgage and has really messed with my mental state.

i have tried contacting Lowell’s explaining the issue with Vodafone but they just do not care.

i am really stuck on what I can do and would really appreciate any advice?

Thanks,
Priya

[Deleted User]

Not paying your bill wasn’t a wise idea and hasn’t helped matters and put things in your favour.

Candyapple

Anjali1991 wrote: »

Hi,

i am wondering if anyone can offer me some advice on a similar situation?

A few years back I took out a contract with Vodafone. Towards the end of my contract I kept receiving messages saying I am nearly out of data. I rang Vodafone to clarify as I knew I had hardly used any data. They informed me that there was a technical issue on their part and that I should keep using my data as normal and I am no where near my limit, so I continued to do so.

I then receive a massive bill for the data that I was misinformed about. I had disputed this with Vodafone and refused to pay as this was not my error. Having moved homes a few times I didn’t receive anymore letters from Vodafone.

In the meantime my case has been passed to Lowell’s debt collectors for more than double the amount and I have been issued with a CCJ on my credit.

Since all of this has happened it has caused a huge impact on my current lifestyle as because of my poor credit, the interest charges are just too high for me to be able to get a loan to help me about with my work (purchasing a car) and getting a mortgage and has really messed with my mental state.

i have tried contacting Lowell’s explaining the issue with Vodafone but they just do not care.

i am really stuck on what I can do and would really appreciate any advice?

Thanks,
Priya

I'm always amazed how people manage to move address so quickly after getting into trouble with creditors and then wonder why later when they have a CCJ or default which they usually find out after being turned down for an application of mainstream lending. Did you think the problem would just magically go away and the company wouldn't want their money back?


You will need to go back in your files and see if you kept any of the letters from Vodafone where they told you it was a technical issue and also the dispute letters you sent to them when they sent you the high bill. Then you will need to contact Vodafone and ask them to review the bill based on them telling you it was down to a technical issue and not correct usage. If they reply in the negative and tell you the balance still remains, then you’ll just have to suck it up and wait the 6 years out for the CCJ to fall off. Regardless of you not being able to get a loan to buy a car or get a mortgage, mark it down as a life lesson never to bury your head in the sand regarding financial matters ever again.