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  • FIRST POST
    leesa00
    Vodafone account remaining open on credit report
    • #1
    • 14th Aug 15, 10:12 AM
    Vodafone account remaining open on credit report 14th Aug 15 at 10:12 AM
    Hi,

    I hope I'm posting on the correct forum.

    My husband finished paying up a Vodafone contract a few months ago but the account remains as 'open' on his credit report. He has rang Vodafone on numerous occasions and they have assured him the account is closed, so why does it remain open on numerous credit reports?

    He no longer is able to log into his old account as his account no longer exists, and when we spoke to them last time they said they were unable to find him on their system as the account is closed! Is there anyway he can prove this for his credit file? the account has 2 late payments showing from a while back so he doesn't wish for it to remain 'open'

    Thanks everyone!
Page 1
    • Silk
    • By Silk 14th Aug 15, 12:39 PM
    • 4,730 Posts
    • 3,107 Thanks
    Silk
    • #2
    • 14th Aug 15, 12:39 PM
    • #2
    • 14th Aug 15, 12:39 PM
    Hi,

    I hope I'm posting on the correct forum.

    My husband finished paying up a Vodafone contract a few months ago but the account remains as 'open' on his credit report. He has rang Vodafone on numerous occasions and they have assured him the account is closed, so why does it remain open on numerous credit reports?

    He no longer is able to log into his old account as his account no longer exists, and when we spoke to them last time they said they were unable to find him on their system as the account is closed! Is there anyway he can prove this for his credit file? the account has 2 late payments showing from a while back so he doesn't wish for it to remain 'open'

    Thanks everyone!
    Originally posted by leesa00
    It would seem the account wasn't closed at the time if requested and continued to run.
    Did your husband actually cancel the contract or just assume it ended at the minimum term, or perhaps request a PAC and not use it ?
    In which case it would have been closed due to lack of payment and attracted the late payment markers.


    You can contact the rep on here using the method such as in this post .... http://forums.moneysavingexpert.com/showpost.php?p=68965919&postcount=3486


    Then come back on this thread and post the ref. number from the automated reply
    It's not just about the money
  • leesa00
    • #3
    • 14th Aug 15, 6:29 PM
    • #3
    • 14th Aug 15, 6:29 PM
    Hi thanks for the reply,

    He actually had two late payments back in November 2012, but then made the last payment towards this contract in early 2013, afterwards we spoke to them on numerous occasions and they said they could not find him on their systems as the account was now closed. It's as tho they just haven't told the credit agencies that the account has been closed and they say they have no accounts when he rings! This account should of been closed early 2013 but has remained open all this time, just seems he is going round in circles trying to sort it out, we will contact the rep like u have said and try to see if we can get it sorted that way!

    Thanks for the reply
    • Silk
    • By Silk 14th Aug 15, 7:33 PM
    • 4,730 Posts
    • 3,107 Thanks
    Silk
    • #4
    • 14th Aug 15, 7:33 PM
    • #4
    • 14th Aug 15, 7:33 PM
    Hi thanks for the reply,

    He actually had two late payments back in November 2012, but then made the last payment towards this contract in early 2013, afterwards we spoke to them on numerous occasions and they said they could not find him on their systems as the account was now closed. It's as tho they just haven't told the credit agencies that the account has been closed and they say they have no accounts when he rings! This account should of been closed early 2013 but has remained open all this time, just seems he is going round in circles trying to sort it out, we will contact the rep like u have said and try to see if we can get it sorted that way!

    Thanks for the reply
    Originally posted by leesa00
    The late payments will show up for 6 years though on the credit report. As far as I'm aware closing an account doesn't remove them.
    It's not just about the money
    • mobilejunkie
    • By mobilejunkie 14th Aug 15, 7:45 PM
    • 7,694 Posts
    • 2,468 Thanks
    mobilejunkie
    • #5
    • 14th Aug 15, 7:45 PM
    • #5
    • 14th Aug 15, 7:45 PM
    That is correct.
  • leesa00
    • #6
    • 14th Aug 15, 9:02 PM
    • #6
    • 14th Aug 15, 9:02 PM
    We're just worried that it's going to remain open forever when he doesn't actually have an account with them anymore.

    So the late payments will remain for 6 years if it stays open? And if we manage to close it they will stay on for 6 years from the closed account date? Is that correct?

    We've just been on the phone to Vodafone again but they have no clue what he's talking about and yet again can't find him on their system.
  • leesa00
    • #7
    • 14th Aug 15, 9:16 PM
    • #7
    • 14th Aug 15, 9:16 PM
    I have just used the link above and the reference number is 11152913.

    Do I just put that here?!
    • Silk
    • By Silk 14th Aug 15, 9:17 PM
    • 4,730 Posts
    • 3,107 Thanks
    Silk
    • #8
    • 14th Aug 15, 9:17 PM
    • #8
    • 14th Aug 15, 9:17 PM
    We're just worried that it's going to remain open forever when he doesn't actually have an account with them anymore.

    So the late payments will remain for 6 years if it stays open? And if we manage to close it they will stay on for 6 years from the closed account date? Is that correct?

    We've just been on the phone to Vodafone again but they have no clue what he's talking about and yet again can't find him on their system.
    Originally posted by leesa00
    Yes ....the credit history is just that, it will show late payments for 6 years so that creditors can see if you have made payments on time or defaulted etc


    Edit to say it will be from the date of those payments as far as late payments go not when it was paid up
    Last edited by Silk; 14-08-2015 at 9:21 PM.
    It's not just about the money
    • Silk
    • By Silk 14th Aug 15, 9:17 PM
    • 4,730 Posts
    • 3,107 Thanks
    Silk
    • #9
    • 14th Aug 15, 9:17 PM
    • #9
    • 14th Aug 15, 9:17 PM
    I have just used the link above and the reference number is 11152913.

    Do I just put that here?!
    Originally posted by leesa00
    Yes the rep can trace it from that
    It's not just about the money
  • leesa00
    Brill, thanks for all your help.
    • Whistler23
    • By Whistler23 21st Oct 16, 11:54 AM
    • 61 Posts
    • 18 Thanks
    Whistler23
    @ Vodafone
    Hello Vodafone Rep,

    I found this thread via google. I ended my vodafone contract back in May/June. Vodafone hasn't updated all of the Credit Reference Agencies. Experian, Equifax and Call Credit, it is still open on all of them.
    Can this be looked into please? I have followed the advice above and got a ticket number which is #14487043
    I didn't open a new thread as this already fits the criteria, hope that is OK.
    • Jon 01
    • By Jon 01 21st Oct 16, 12:01 PM
    • 5,033 Posts
    • 1,619 Thanks
    Jon 01
    Hello Vodafone Rep,

    I found this thread via google. I ended my vodafone contract back in May/June. Vodafone hasn't updated all of the Credit Reference Agencies. Experian, Equifax and Call Credit, it is still open on all of them.
    Can this be looked into please? I have followed the advice above and got a ticket number which is #14487043
    I didn't open a new thread as this already fits the criteria, hope that is OK.
    Originally posted by Whistler23
    You'd be much better off posting this in the main Voda complaints thread at the very top of page one of this forum. . .
    • Whistler23
    • By Whistler23 21st Oct 16, 12:20 PM
    • 61 Posts
    • 18 Thanks
    Whistler23
    You'd be much better off posting this in the main Voda complaints thread at the very top of page one of this forum. . .
    Originally posted by Jon 01
    Thank you, done!
    • DisgruntledConsumer
    • By DisgruntledConsumer 26th Nov 17, 5:49 PM
    • 4 Posts
    • 0 Thanks
    DisgruntledConsumer
    Here from Google, seems this problem is still ongoin, i have a similar problem Vodafone wont shut my closed account down and report to the credit agencies

    and this is after my first and only year with the company and their terrible service!
    • mobilejunkie
    • By mobilejunkie 27th Nov 17, 7:57 AM
    • 7,694 Posts
    • 2,468 Thanks
    mobilejunkie
    If you've only been with them for a year they wouldn't shut down the account if you terminated it early until you'd paid the remainder of the contract (assuming it was a two year contract). In that scenario you would end up with adverse entries on your credit files that would not be removed.

    If you paid what was owed when it was owed (including any ETF) and didn't terminate the direct debit too early you should follow the instructions on the main Vodafone Complaints thread and contact the WRT.
    • DisgruntledConsumer
    • By DisgruntledConsumer 29th Nov 17, 11:33 AM
    • 4 Posts
    • 0 Thanks
    DisgruntledConsumer
    15 month contract ended early in july. paid off in full in august/sep (rough time frames) I know its only a few months but vodafones assurances made me think they had this sorted. And all previous credit companies seem to work quicker than this.

    Voda***t
    Last edited by DisgruntledConsumer; 29-11-2017 at 11:43 AM.
    • mobilejunkie
    • By mobilejunkie 29th Nov 17, 6:27 PM
    • 7,694 Posts
    • 2,468 Thanks
    mobilejunkie
    As far as I'm aware there's never been such a thing as 15 month contract. Something's wrong with your basis for closing the account and I suspect you are showing as having an unsettled debt on your credit files too. I think it's more to do with your confusing description and lack of detail. If you paid it off early you would have needed to pay the remaining (presumably) 9 months.
    • DisgruntledConsumer
    • By DisgruntledConsumer 3rd Dec 17, 5:22 PM
    • 4 Posts
    • 0 Thanks
    DisgruntledConsumer
    Nope short contract and i paid 70 as it was not the usual 24. get them through comparison sites. anyway vodafone have contacted me and said they have update the credit agencies, and i have to wait a month? for it show up. Complained through the procedures advised on this website.

    It just seem like the people on the phone dont have as much knowledge as whoever is dealing with my claim now. That first line of defence again...
  • Vodafone
    Hi DisgruntledConsumer,

    I'm sorry to hear that you didn't have the best of experiences with us.

    If the account remains open on your credit report, please email me via the form here.

    To access the form you'll need to enter the code WRT135.

    As well as stating your query in the question box, please also quote "MSE Forum".

    Once sent, you'll receive an automated reply with a reference number. Post it on here and I'll check I've received it.

    Kind regards,

    Lee

    Vodafone Social Media
    Official Company Representative
    I am the official company representative of Vodafone. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
    • d123
    • By d123 9th Jan 18, 5:05 PM
    • 7,176 Posts
    • 4,640 Thanks
    d123
    Nope short contract and i paid 70 as it was not the usual 24. get them through comparison sites.
    Originally posted by DisgruntledConsumer
    Could you post a link to these 15 month contracts?
    ====
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