here's my situation.
I appiedy for a mortgage and it gets declined.
Head over to credit file and see a default going back to 2015 from Vodafone for £30.
I had a sim for an Ipad for my job at the time.
Left job, cancelled DD (stupid I know)
then 2 months later get emails from debt recovery,
pay instantly then call Vodafone to cancel the contract.
All fine and dandy (or so I thought) I received no emails or emails chasing the money so assumed all ok.
I call VF today to explain that this account was cancelled and I don't feel I owe the money and for them to remove the mark.
"ok sir we will look into it for you and call you back"
A few hours later I receive a call to say that there is no record of the cancellation and I owe the money,
but if I pay the money they will review the default mark.
I pay the money,
am placed on hold ready to be transferred to the credit department.
The handler comes back and advises that they won't remove the default.
I explain that this is crazy, they are ruining me and my family for 6 years over £30.
And that had I had known this was owed I would have paid it instantly (as I did today)
he puts me back on hold for a while.
Again the answer is "no"
Do I have a case here or do I need to suck it up and live in financial purgatory for the next 6 years?
Thanks in advance.