vodaphone (who I pay through dca Capquest) - Advice needed

[kamwendo]

Hi,

 

First thing is

 

I checked my credit report with noodle and it says I have defaulted for the past 14months with vodaphone (who I pay through dca Capquest) I have continously paid them.

 

Was wondering what I should do.

 

Also on a credit report should it state the debt collection agency aswell or just the original company I have never looked at a credit report before.

 

dx

[dx100uk]

not unless they own the debt

 

we hve vodafone onboard here too

 

tell us the debt history please

 

dx

[kamwendo]

i got a contract with vodaphone then a couple of months later got made redundant and couldnt afford payment. I got a letter off capquest saying it had passed to them and the usual dca harrassment followed.

 

on my credit report it only has the original company name which was vodaphone

[2Grumpy]

Capquest will be collecting on behalf of Vodaphone

 

If this includes an early termination charge, it might be worth asking for an invoice containing a full breakdown of that amount.

 

Whilst I don't want to raise false hope, my opinion (for what it's worth) is that they would be charging for something that you haven't received. If you are having to paying for the remaining months of a contract then you should receive the benefit of what you are paying for (even if it's over an extended period of time) but with a mobile phone, they cut you off if you are having difficulty paying, but still expect you to pay despite not receiving the service

 

I have no doubt that that is in the contract, but that doesn't make it enforceable.

 

If money is short, you don't want to be paying more than you should

[Lee Vodafone Company Rep]

i got a contract with vodaphone then a couple of months later got made redundant and couldnt afford payment. I got a letter off capquest saying it had passed to them and the usual dca harrassment followed.

 

on my credit report it only has the original company name which was vodaphone

 

Hi kamwendo,

 

As has been advised the information on your credit file will shown as being recorded by us as the DCA will be collecting payment on our behalf.

 

This whould only change in the event that an account was sold to a DCA and as such the account would show in the DCA's name.

 

Should you feel that you didn't receive the level of support you were expecting from us at the time and would like me to take a closer look at your case you're welcome to email me with your details via the Contact us form here quoting the code WRT135 - CAG Forum in the subject line.

 

Once sent you'll receive an automated reply with a reference number. To ensure that it reaches me could you update the thread with this and I'll get back to you as soon as I can?

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

[2Grumpy]

If you don't have invoices with breakdowns for what they are claiming, make sure that you ask for copies from Vodaphone