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£2000 Vodafone bill

Acania
Posts: 16 Forumite

Hello. I dunno what to do. I got a letter from Vodafone saying my contract has been cancelled and that my final bill of £2000 has been passed onto a DCA. The thing is during this pandemic I've got so many bills and I've negotiated payment plans with everyone but the Vodafone one everytime I talked to them they said max they would do is split my bill into 3 monthly payment and that is it. And that was something I couldn't afford. They've never messaged me to tell me that my bill is past due, I don't get any monthly statements. Nothing. I really don't know what to do. Anyone have any advice..please
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I've they have cancelled your contract then the will be a charge (usually for the rest of the contract if you were in one) Either that or you've either ran up a bill or haven't paid for months.
I struggle to work out how its got to this, as normally they would contact you to advise a bill is overdue. DCA may accept a lower amount or longer period than three months.
PeteProud to have dealt with our debtsStarting debt 2005 £65.7K.
Current debt ZERO.DEBT FREE0 -
Contact VF first and ask for copies of all the statements that you were due.If the debt has been passed to a DCA then they’ll be in touch. Provide them with your offer of payment which is essentially a DMP. All you can do is offer an amount that you can afford . Make sure it’s documented, so in writing is best. If they choose not to accept it then down the line at least you can say you tried.0
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Weren't you set up as a dd payment for Vodafone? Normally they charge more if you are not on DD. If you were on DD you need to find out a) if they were taking the monthly payment (check your bank) b) if not why not. A lot of firms are going paper free so it is likely you would be getting statements to you account online. £2000 is a lot of money to owe for a phone contract, have you been charged for extras? They can be sneaky like that if you don't have it set so that nothing other than you monthly agreed contract is due. (It means that you can't send mms or ring premium numbers but that isn't a huge issue).Paid off the last of my unsecured debts in 2016. Then saved up and bought a property. Current aim is to pay off my mortgage as early as possible. Currently over paying every month. Mortgage due to be paid off in 2036 hoping to get it paid off much earlier. Set up my own bespoke spreadsheet to manage my money.0
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Not much will happen to be fair, debt collectors deal with 1000`s of defaulted airtime accounts every week, your just a number on a very long list.
For debt collectors, time is money, the DCA will run through its standard series of template letters with you, your number will be auto called on an ad hoc basis, this will continue for a short while.
If you don`t engage with them, they will give up, as its not earning them any money, then the account will be returned to Vodaphone as uncollectable, whereupon it will either be put to one side, with the other 1000`s of defaulted accounts that won`t be chased, or the cycle may rinse and repeat with another collection agency.
This may happen more than once, after a while the debt will be sold off to a debt purchaser such as Lowell or Cabot, and the story then repeats itself.
Once it gets to this stage, possibly a year, two years or more down the line, these type of companies are much more open to arrangements, you can pretty much pay what you can afford, debt purchasers now have to work on affordability (most do anyway).
So don`t let this stress you out, nothing dramatic will have the potential to happen for a very long time, until the debt is sold on, then if you don`t engage with the new owner, there is about a 12% chance they will take you to court, and an 88% chance it will be forgotten about.
Your call.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
peteuk said:I've they have cancelled your contract then the will be a charge (usually for the rest of the contract if you were in one) Either that or you've either ran up a bill or haven't paid for months.
I struggle to work out how its got to this, as normally they would contact you to advise a bill is overdue. DCA may accept a lower amount or longer period than three months.
Pete0 -
runforlife said:Contact VF first and ask for copies of all the statements that you were due.If the debt has been passed to a DCA then they’ll be in touch. Provide them with your offer of payment which is essentially a DMP. All you can do is offer an amount that you can afford . Make sure it’s documented, so in writing is best. If they choose not to accept it then down the line at least you can say you tried.0
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datlex said:Weren't you set up as a dd payment for Vodafone? Normally they charge more if you are not on DD. If you were on DD you need to find out a) if they were taking the monthly payment (check your bank) b) if not why not. A lot of firms are going paper free so it is likely you would be getting statements to you account online. £2000 is a lot of money to owe for a phone contract, have you been charged for extras? They can be sneaky like that if you don't have it set so that nothing other than you monthly agreed contract is due. (It means that you can't send mms or ring premium numbers but that isn't a huge issue).0
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sourcrates said:Not much will happen to be fair, debt collectors deal with 1000`s of defaulted airtime accounts every week, your just a number on a very long list.
For debt collectors, time is money, the DCA will run through its standard series of template letters with you, your number will be auto called on an ad hoc basis, this will continue for a short while.
If you don`t engage with them, they will give up, as its not earning them any money, then the account will be returned to Vodaphone as uncollectable, whereupon it will either be put to one side, with the other 1000`s of defaulted accounts that won`t be chased, or the cycle may rinse and repeat with another collection agency.
This may happen more than once, after a while the debt will be sold off to a debt purchaser such as Lowell or Cabot, and the story then repeats itself.
Once it gets to this stage, possibly a year, two years or more down the line, these type of companies are much more open to arrangements, you can pretty much pay what you can afford, debt purchasers now have to work on affordability (most do anyway).
So don`t let this stress you out, nothing dramatic will have the potential to happen for a very long time, until the debt is sold on, then if you don`t engage with the new owner, there is about a 12% chance they will take you to court, and an 88% chance it will be forgotten about.
Your call.0 -
Acania said:sourcrates said:Not much will happen to be fair, debt collectors deal with 1000`s of defaulted airtime accounts every week, your just a number on a very long list.
For debt collectors, time is money, the DCA will run through its standard series of template letters with you, your number will be auto called on an ad hoc basis, this will continue for a short while.
If you don`t engage with them, they will give up, as its not earning them any money, then the account will be returned to Vodaphone as uncollectable, whereupon it will either be put to one side, with the other 1000`s of defaulted accounts that won`t be chased, or the cycle may rinse and repeat with another collection agency.
This may happen more than once, after a while the debt will be sold off to a debt purchaser such as Lowell or Cabot, and the story then repeats itself.
Once it gets to this stage, possibly a year, two years or more down the line, these type of companies are much more open to arrangements, you can pretty much pay what you can afford, debt purchasers now have to work on affordability (most do anyway).
So don`t let this stress you out, nothing dramatic will have the potential to happen for a very long time, until the debt is sold on, then if you don`t engage with the new owner, there is about a 12% chance they will take you to court, and an 88% chance it will be forgotten about.
Your call.
My post was intended to put your mind at ease by explaining the debt collection process to you, should you not have been aware of it.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Acania said:datlex said:Weren't you set up as a dd payment for Vodafone? Normally they charge more if you are not on DD. If you were on DD you need to find out a) if they were taking the monthly payment (check your bank) b) if not why not. A lot of firms are going paper free so it is likely you would be getting statements to you account online. £2000 is a lot of money to owe for a phone contract, have you been charged for extras? They can be sneaky like that if you don't have it set so that nothing other than you monthly agreed contract is due. (It means that you can't send mms or ring premium numbers but that isn't a huge issue).
However you knew you had a contract and you signed terms to lay a monthly bill. You are responsible for logging into your account, reading and paying it. (I appreciate you couldn't afford it at this time)
I don't think you can wholly blame Vodafone for not accessing your bills, unless you have no access and when you contacted them for help they failed to do so.
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