Mobile phone provider adding defaults after contract end.

Joe9t

D3xt3r5L4b said:

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. 

I understand that! 

SpreadableToast

Joe9t said:

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. 

This is how defaults are reported. You've been told this over and over again.  It has nothing to do with the account being changed to PAYG.  I'm not sure why you refuse to accept this, although you do seem to believe that reporting it monthly it is "meaningless" so if that's the case, why do you care?  It doesn't mean anything.

adamp87

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.

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! 

You admitted above you cancelled your direct debit for payment therefore they would have chased you for this. By refusing to pay the agreement broke down and they defaulted the account. 

I very much doubt they will re-instate It or remove the default as that’s inaccurate reporting. You should of continued paying & presses further with your complaint on the charges. 

If it’s with a debt collection Agency then you’ll need to deal with them for payment not Vodafone most likely. That’s why they use a DCA. It seems to me you do owe this debt by your own admission you cancelled the Direct Debit.

I’m not sure what answer you are looking for as you are ignoring everyone’s advice.

D3xt3r5L4b

Joe9t said:

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. 

You’re not listening to the advice.

The account will continue to default until it’s closed at which point the default markers will stop but the fact remains it will always be defaulted from the first date. 

Subsequent monthly markers are also “legal” and correct. 

How did you cease the contract? Did you serve your 30 days notice?

Contracts don’t automatically come to an end after their initial contractual term. 

Joe9t

SpreadableToast said:

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.

I'm attempting here, which I have not done before on this site, to get some sound information where I stand on this in a legal sense.

I am not attempting to score points over Vodafone. 

I have explained that I have experience with the Ombudsman and I have on several occasions. 

I just want some sound advice from those who are knowledgeable on the issues I have tried to clearly explain on here. 

I just want some sound legal advice. 

I may not get it on here by the looks. 

Thanks everyone for your inputs, but I shall remove this thread as its now getting into accusations. 

Carrot007

Joe9t said:

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

You have nowhere said anything to say it has ended. You said it has time left.

Though if it was eneded please tell if when after the minimum term (and it was a minimum term not and it wil end after X). you gave notice and paid up.

So the account is still open (if somwhat converted to stop you running up more debt for you own protection). As such the default is not being added. They are just saying the accoutn is still opne and still defaulted. If you want that to change. Pay them and close it.