Mobile phone provider adding defaults after contract end.

Joe9t

sourcrates said:

You are confusing the length of your mobile contract, with the length of time a default stays on your credit file, telecoms companies use standard terminology when reporting to credit files, that account will show for 6 years until the 6th anniversary of the default date, when it will vanish forever.

What you see on your credit file is just a monthly update of that default, accounts only default once.

Vodafone are a terrible company for customer service, i think you need to take a step back, get a shiney new sim for your phone, forget about this until the collector who eventually buys your debt writes to you, then just make an offer to settle the debt for good.

I have not refused to pay my contract. 

I have asked them to reinstate my contract for the 16 months still to run and reinstate my free gift of Spotify, which was the bait to get me onto this contract. 

I am not on the wrong here and I am quite happy to defend my position in a court of law. 

One of the most important things a judge wants to hear, is an offer of payment, which Vodafone has declined. 

I have hours upon hours of telephone recordings of evidence of my conversions to Vodafone and the three debt collection agencies, who were actually quite understanding. 

I haven't been with Vodafone for two years and I have three other contracts - two with THREE and one with VIRGIN.

I am not in default on anything on my credit files. I have very low debt, no CCJs or County Court Judgements to my name. 

My credit file records are impeccable and its just this 'rogue', account that is sending out the wrong message and really having a negative effect on my credit files.

I have no intention in 'settling' this so called debt, as I do not owe it.

If Vodafone wish to take court action, I am confident they will not have a leg to stand on. 

And, they know it! 

D3xt3r5L4b

Is there still a balance owing on the account?

Joe9t

D3xt3r5L4b said:

Is there still a balance owing on the account?

Yes - £577

Joe9t

sourcrates said:

You are confusing the length of your mobile contract, with the length of time a default stays on your credit file, telecoms companies use standard terminology when reporting to credit files, that account will show for 6 years until the 6th anniversary of the default date, when it will vanish forever.

I am fully aware of this and have clearly stated this in my posts. 

Lenders’ scoring systems only look at the first default, so monthly default notices continuing after that, especially after the end date of the contract are pointless and meaningless. 

My anger is that Vodafone has seemingly continued the account beyond its contract period, by changing it to a PAYG.

How can one be in debt on such an account? Its an account that is designed so you top up and utilise the funds you have paid into it.

How can anyone be in debt on a 'Pay As You Go' account?

phillw

Joe9t said:

I have negative views on the Ombudsman through experience. 
It is very time consuming and takes years and at the end, they can only make recommendations. 

If they ignored the ombudsman then that would look bad for them in court, in my opinion it's likely this is going to drag on for much longer because you haven't gone to the ombudsman.

jpsartre

Joe9t said:

My anger is that Vodafone has seemingly continued the account beyond its contract period, by changing it to a PAYG.

Why are you angry about this? It has no bearing on the effect of the default. In fact it has no bearing on anything I can think of.

sourcrates

Hi,

With respect, your not listening to whats been said, its a monthly status update of the original default, every defaulted account is recorded in this way, it updates the status of your account every month, it is not a new default, just an update of the existing one.

It will show this way for 6 years, as various posters have tried to confirm to you, on the 6th anniversay, it will drop off your file, all perfectly normal and in accodance with current guidence.

Your contract may only have been for two years, but in this country credit accounts are shown for a period of 6 years, regardless of the length of the contract, or what it is recorded as, both points are irrelivant, and one has no bearing on the other.

If you don`t cancel a contract in the prescribed way, then it will continue until you do, or it defaults.

Cancelation of the DD does not cancel the contract.

SpreadableToast

Joe9t said:

sourcrates said:

You are confusing the length of your mobile contract, with the length of time a default stays on your credit file, telecoms companies use standard terminology when reporting to credit files, that account will show for 6 years until the 6th anniversary of the default date, when it will vanish forever.

I am fully aware of this and have clearly stated this in my posts. 

Lenders’ scoring systems only look at the first default, so monthly default notices continuing after that, especially after the end date of the contract are pointless and meaningless. 

My anger is that Vodafone has seemingly continued the account beyond its contract period, by changing it to a PAYG.

How can one be in debt on such an account? Its an account that is designed so you top up and utilise the funds you have paid into it.

How can anyone be in debt on a 'Pay As You Go' account?

You need to stop trying to play the "gotcha" game with Vodafone and either deal with this (probably via the Ombudsman) or get on with your life.

Arguing over trivialities such as the account being converted to a PAYG account is going to get you nowhere.

Joe9t

phillw said:

Joe9t said:

I have negative views on the Ombudsman through experience. 
It is very time consuming and takes years and at the end, they can only make recommendations. 

If they ignored the ombudsman then that would look bad for them in court, in my opinion it's likely this is going to drag on for much longer because you haven't gone to the ombudsman.

With respect, you are not understanding my points. 

I realise the initial default will remain on my credit files for six years. That is not my issue. 

My issue is monthly defaults continuing after my contract has ended. 

How can one possibly continue to default on a contract that has ceased?

The original monthly defaults for the 16 months of the 24 month contract not paid, are visible on my report and lenders’ scoring systems only look at the first one anyway.

But to continue to record a monthly default after my contract end date, for each month of this year - my contract ended December 2019,  is inaccurate because the account contract only ran upto the end of 2019.

Placing further defaults is pointless and meaningless and I would even go as far as illegal.

The only reason I can see why they are able to continue beyong the date of the contract end period, is to change the account to PAYG and then the account can stay 'live'.

I haven't at any time signed upto a PAYG account. My contract with Vodafone, was for 24 months from December 2017 to December 2019.

Any defaults will stay on my credit file for six years from the date of the first default. 

Adding further monthly defaults after December 2019 is inaccurate because my contract has expired. 

D3xt3r5L4b

Joe9t said:

D3xt3r5L4b said:

Is there still a balance owing on the account?

Yes - £577

And it’s not been paid because...?

Thats why the account is defaulted. The default marker will remain for 6 years from the initial default date.