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  • FIRST POST
    • epm-84
    • By epm-84 5th Feb 18, 10:23 AM
    • 1,419Posts
    • 4,353Thanks
    epm-84
    Vodafone appearing on credit report
    • #1
    • 5th Feb 18, 10:23 AM
    Vodafone appearing on credit report 5th Feb 18 at 10:23 AM
    I cancelled my phone contract with Vodafone in October 2016, yet it's still showing as an active account on my credit report with no outstanding balance. Will this cause an issue and if so how would I go about fixing it?
Page 2
    • nadhaw
    • By nadhaw 14th Oct 18, 9:18 PM
    • 7 Posts
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    nadhaw
    Apart from it still being shown as active and not closed but with £0 balance and it dragging my credit score down.
    • Dobbibill
    • By Dobbibill 14th Oct 18, 9:19 PM
    • 3,814 Posts
    • 5,226 Thanks
    Dobbibill
    Not true as they removed my husbands immediately when he raised a complaint with them a week before me. He had left Vodafone 3 months after me too and when I contacted them 6 months ago they said its not a problem, they will do it now and it will be gone within a month but yet again they have lied to me.
    Originally posted by nadhaw

    It may have moved from 'open' to 'closed' accounts - which is the right thing if the account(s) are closed and no longer being used.
    I'm a Board Guide on the Energy, Student Money Saving, UK Armed Forces and
    Local Money Saving - Wales boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.


    It's not about being the best -
    It's about being better than you were yesterday.
    • nadhaw
    • By nadhaw 14th Oct 18, 9:24 PM
    • 7 Posts
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    nadhaw
    I think that's the misunderstanding. I left 2.5 years ago and have a letter with the account closure date. Yet on my credit score it is still an active account. My husband noticed same on his, phoned them and it was gone the following month. I rang a week later and 6 months on it's still there with no outstanding balance either way. When I spoke to them 6 months ago they said it would be dealt with and it would be fine or closed within a month and it's still active
    • nadhaw
    • By nadhaw 14th Oct 18, 9:28 PM
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    nadhaw
    Nope, still active and open. According to the credit score company Vodafone last accessed it (don't ask me what for) end of September. I think it just says last activity 23/9/18.
    The thing I'm wanting to get changed is the fact that it's still open and active 2.5 years on!
    • Gary_Dexter
    • By Gary_Dexter 14th Oct 18, 9:30 PM
    • 6,983 Posts
    • 4,645 Thanks
    Gary_Dexter
    Ok. So they just need to mark it as closed and backdate the closure date.

    By last accessed it means the account was provided with an update on its status.

    Ignore you credit score getting dragged down - itís likely to drop again when they mark it as closed (as itís a made up number that no one sees but you).
    • Dobbibill
    • By Dobbibill 14th Oct 18, 9:30 PM
    • 3,814 Posts
    • 5,226 Thanks
    Dobbibill
    I think that's the misunderstanding. I left 2.5 years ago and have a letter with the account closure date. Yet on my credit score it is still an active account. My husband noticed same on his, phoned them and it was gone the following month. I rang a week later and 6 months on it's still there with no outstanding balance either way. When I spoke to them 6 months ago they said it would be dealt with and it would be fine or closed within a month and it's still active
    Originally posted by nadhaw
    Hopefully Lee (VF Rep) will be able to help you.

    It stays on there for 6yrs from closure but NOT as an open account. It should be moved over to closed. After 6yrs is will drop off completely.

    Take little notice of your score though- that's the CRAs opinion of you. Always check the data like you've done with VF.
    I'm a Board Guide on the Energy, Student Money Saving, UK Armed Forces and
    Local Money Saving - Wales boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.


    It's not about being the best -
    It's about being better than you were yesterday.
    • nadhaw
    • By nadhaw 14th Oct 18, 9:40 PM
    • 7 Posts
    • 0 Thanks
    nadhaw
    Yes when I found this thread I hoped that he could help me. And that's all I want really it that account closed for good. Vodafone prior to me leaving 2.5 years ago put me through hell (got a payg deal offered, charged twice the amount then turned out the deal didn't exist and had to pay more, then started charging me random amounts extra that I had to query every month and every month no one knew why and what I was charged for). That's why I was so horrified to find the account still open 6 months ago and why I'm so desperate to see that account closed or gone.

    Thank you for your advice re the credit score. If it wasn't for the previous bad experience with Vodafone I wouldn't be so worried and bothered about it.
    • molerat
    • By molerat 14th Oct 18, 9:40 PM
    • 21,616 Posts
    • 15,846 Thanks
    molerat
    From experience with Equifax correcting these things is beyond their capability and they simply delete all trace of it !
    https://www.helpforheroes.org.uk/give-support/donate-now/
    • obay
    • By obay 15th Oct 18, 9:29 AM
    • 560 Posts
    • 457 Thanks
    obay
    I left Vodafone and paid the last and final bill over 3 years ago, 3 months before I applied for my mortgage they defaulted me, it took me / the ombusman over 6 weeks to sort out, with Vodafone giving me back £100 as a good will gesture.

    My argument was that I closed/paid off the account why would you default me? I will never return to Vodafone after this behaviour.
    1/12/16 - £152,599.00
    11/11/17 - £145,990.00 <> Overpaid £3916.
    11/11/18 - £142,074.00
    Barclays Car (5.99%)£0/£8,832.37
    • DCFC79
    • By DCFC79 15th Oct 18, 9:52 AM
    • 35,361 Posts
    • 22,315 Thanks
    DCFC79
    Apart from it still being shown as active and not closed but with £0 balance and it dragging my credit score down.
    Originally posted by nadhaw

    Don't worry about your score as only you can see it, lenders see your history.
    Last edited by DCFC79; 15-10-2018 at 10:25 AM.
    • nadhaw
    • By nadhaw 15th Oct 18, 1:21 PM
    • 7 Posts
    • 0 Thanks
    nadhaw
    Well, they've just phoned me and they're very sorry and the account has been closed and will be gone within 30 days... Heard that already 6 months ago. We'll see. Got a case going on resolver now and emailed the ombudsman.... And suddenly they're trying to resolve the problem.. Worst company ever!
    • mortgageconfusion
    • By mortgageconfusion 10th May 19, 3:57 PM
    • 9 Posts
    • 0 Thanks
    mortgageconfusion
    Lee, I have raised this but forgot to put MSE forum in the question box

    Ticket is WRT135 #20830803
    • Ben8282
    • By Ben8282 10th May 19, 6:26 PM
    • 4,328 Posts
    • 2,388 Thanks
    Ben8282
    Apart from it still being shown as active and not closed but with £0 balance and it dragging my credit score down.
    Originally posted by nadhaw
    How do you know this? Why do you think this?
    • Ben8282
    • By Ben8282 10th May 19, 6:28 PM
    • 4,328 Posts
    • 2,388 Thanks
    Ben8282
    Lee, I have raised this but forgot to put MSE forum in the question box

    Ticket is WRT135 #20830803
    Originally posted by mortgageconfusion
    Do you think Lee is still waiting for this information? The last post to this thread was over 7 months ago!
    • onthemend88
    • By onthemend88 11th May 19, 6:56 PM
    • 28 Posts
    • 7 Thanks
    onthemend88
    Having a very similar issue with EE who have said on numerous occasions, my account is closed but is still being reported on a monthly basis.

    Have hopefully got this resolved now and have also had a £19 refund. Just waiting for the CRA to update.
    • mortgageconfusion
    • By mortgageconfusion 14th May 19, 1:13 PM
    • 9 Posts
    • 0 Thanks
    mortgageconfusion
    Do you think Lee is still waiting for this information? The last post to this thread was over 7 months ago!
    Originally posted by Ben8282

    Well I only just came across it in a search a couple of days ago so its likely to have notified him of the post I made and hopefully he can help sort it. I don't really have anything to lose by posting do I!
    • DCFC79
    • By DCFC79 14th May 19, 1:39 PM
    • 35,361 Posts
    • 22,315 Thanks
    DCFC79
    Well I only just came across it in a search a couple of days ago so its likely to have notified him of the post I made and hopefully he can help sort it. I don't really have anything to lose by posting do I!
    Originally posted by mortgageconfusion

    Have you tried contacting them via Twitter ?


    Or try and raise it again using the link.
    • mortgageconfusion
    • By mortgageconfusion 14th May 19, 6:06 PM
    • 9 Posts
    • 0 Thanks
    mortgageconfusion
    Yes I have done it via the link and am waiting for a response but it probably wont come hence why I posted to see if by chance him not see it.

    Am not a twitter user but have complained through facebook too
    • yams
    • By yams 15th May 19, 2:56 PM
    • 26 Posts
    • 5 Thanks
    yams
    Bumping up this thread helped me at least! Just sent them a message asking them to close my account after a year.
    • Major_Disaster
    • By Major_Disaster 13th Aug 19, 2:56 PM
    • 28 Posts
    • 0 Thanks
    Major_Disaster
    Bumping this as same has happened to me with a Broadband account. Have just sent a message though the form. You there Lee?
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