Default removed according to Vodafone. Will check this on my credit report when it comes through at the end of the month.

Thank you Silver Fox. E mail sent and had a mail back about 2 minutes ago stating that someone is looking at my query and I will have an update shortly.

It’s ridiculous. I was told today that there is no outstanding balance so unsure of how you can pass a debt over to a debt collector when there nothing owing! I’ve written a formal letter of complaint with him today and will see where we go from here. Can’t understand how you can have a debt for £458 on your credit file but when you contact the company - you are up to date and no money is owed and the account is still active! Does anyone have a name for someone higher up in the ranks for Vodafone as I don’t want to waste time as he wants to apply for a mortgage ASAP!

Do you think because the account is marked as closed on his credit file as of the 18th October but then Vodafone sent a bill via email on the 23rd for the same account that is marked as closed for £51 that he paid today that actually this is a complete **** up! Makes absolutely zero sense to me!!!!

The account was opened in July 2016.

No HP agreement signed. I’ve sent a dispute to the credit reference agencies too. The account is set as closed and with a debt of £458 but there’s no balance owing and the account is still open according to Vodafone today!

was told that he had to pay £400 to cancel the service as the phone wasn’t insured or we could continue to make the payments till the end of the contract. Weren’t in a position to pay off the contract in full so will continue to pay until the contract is fully paid up.

Let’s hope so. I have it in writing that the default will be removed and not just marked as settled so hopefully this will be resolved quickly. I’m not holding my breath. However, the account is still open so I’m not quite sure how this works!

I’ve just spoken to a lady on the phone and she said that as the account is up to date and still open I can contact the credit default department and they should remove the default? Would that make sense. Update - my son has had an online conversation with Vodafone which we’ve screen shotted. They stated that the default will be removed within 48 hours? Is that standard practice???

They have tried to call my son today on my phone number and sent an email to contact them. Do you suggest that I do everything in writing and not call them back?

It was paid after the 14 day time period on the letter. We live in an apartment block and the letter got mixed up with others post. As soon as I was aware of the problem It was paid. He missed payments in August but didn’t receive any notification of an issue via email. Obviously they couldn’t call him because he no longer has the phone which I have explained on numerous occasions to various customer service people.

Hi everyone, I'm hoping for a bit of advice on this. My son has an account with Vodafone. He is 19 and the whole thing has turned into a bit of a nightmare! He lost his phone last year but continued to make payments on his account. He made a payment in July and then received a letter in September about the account being in default. As he is only 19, I have been dealing with the matter on his behalf and we have been passed from pillar to post with various people as he no longer has the phone. When I found out that the account was going into default, I phoned Vodafone myself and made the payment of £59 which was outstanding and the phone service was resumed so that he could continue to make payments till the contract ends. However, upon checking his credit file today, I have notice that Vodafone have registered a default which is now marked as settled but has obviously trashed his credit rating. The account is also marked as closed but its actually still open as hes received a bill in the last 7 days. Hes a professional rugby player and was saving for his first house so hes devastated about this. Does anyone know what we can do about this? Hes realised that hes made a huge mistake but I feel that penalising him for the next 6 years over £59 is pretty unfair. Thank you so much for any help you can offer.

Hi......I'm having a nightmare with this company!!! My £150 loan now stands at a massive £1000 plus.......I want them to take me to court now so that I can make an offer of a fair payment......I keep getting the threatening letters and phone calls but to date no visits or action taken. Ive made an offer of full and final settlement of £200 but they haven't responded......I refuse to be bullied into paying horrific charges by loansharks.....Although Payday loan companies do get a bad press, I set up a payment plan with Text Loans and this is being paid off at a rate of £40 per month!!! Surely, these charges are completely unlawful.....I'm not refusing to pay the loan off but while they are whacking on these astronomical charges it seems pointless even make token payments or would this look better in court if I did this......I just feel that if I make token payments this will just go on and on and on and I want an end to it! I know I defaulted, I made a stupid mistake by taking out a payday loan with these people but want to sort this asap. Many thanks in advance for any advice.

I will definitely do that. Thank you.

I havent actually.......If I get in touch with them would start the whole 6 year process again or does that not matter as its already defaulted. My credit file isn't updated with anything different - just the alert that the credit is settled but nothing showing on the actual account when I click on it. Unsure what to do regarding the charges.......would appreciate any advice! I'm a complete novice at this - really want to sort things out so that I'm in a better financial position for mortgages etc.

if i get a claim form would they get a ccj against me????

Its not over the six year period so not time barred. Defaulted in 2008 and no payment been made since then.

its a notice of sums in arrears.....from Hillesden Securities Ltd.

DCA letter arrived yesterday regarding old Lloyds debt.........Can someone please give me some advice on what to do next please!!!!!

Thanks guys......I should add that of the £4000 probably about £1500 is bank charges........Also I've received a letter from Nelson Guest and partners soliciors re: Wescot......re:Littlewoods regarding a debt that isnt on my credit file and is way over 6 years old!!!! Do I send the SB letter to Wescot???

Do I respond to the DCA letters.........Last thing I want is a CCJ!!!!

Hi everyone, I am trying to sort out my finances and defaulted on a loan with Lloyds TSB in 2008. The balance stood at £4000 and although it is showing on my Experian file as a default in August 2008, I have had very little correspondance from anyone including DCA's regarding payment of this debt. I checked my credit file this morning and in the new alerts section there was a change marked on the Lloyds account stating the status of the account had changed from defaulted to settled when I haven't actually paid it off!!!???? The settled status is not showing on the main Equifax page just as an alert. Has anyone got any ideas on this one.......Is the account settled????? Many thanks for any input on this!!!!!

So what is my best course of action with this??? Do I just wait and see whether they start any court action against me?? I've read various threads on here and I really want to become 'credit worthy' again but just waiting to see whether over the next 2 -3 years these debts just disappear off my history without me making any contact with my creditors doesn't seem right but as I'm over 4 years into the 6 year time frame with one debt.....I don't particularly want to start the whole 6 year cycle again!!!!!!

Hi everyone....... I'm after some advice. I have 2 defaults on my credit file......One registered in April 2008 and the other in August 2009. I haven't been contacted recently about them and there is no court action taking place......yet!!!! Do I wait and see what happens with them and see if court action is pursued or do I wait and see if they 'drop off' my credit file??? I have thought about offering a full and final settlement but as I'm nearly 4 years in with one default, I realise that by contacting the company the whole 6 year Credit Cycle starts again! Advice would be really appreciated as I'm now maintaining mortgage payments and making payments regularly on a credit card and I really want to clear up my credit rating. Many Thanks

Thank you so much for the advice. Will definitely keep it safe and will keep you informed of any more correspondance that comes my way.