‘Vodafone ruined rating’
Nearly a year ago I began trying to cancel a mobile phone that I had taken out with Talkmobile for my teenage daughter. She was going abroad and no longer needed it. I was paying £7.50 a month for the contract.
On each of the several occasions when I rang, for one reason or another, it was impossible to get through.
The shop I had bought the phone from advised cancelling in writing and gave me an address that was not immediately obvious on the websites. I enclose a copy of my cancellation letter. NICK LYONS, SOMERSET
A few months later you applied for a car loan and were told that, due to an adverse credit record, you would be charged a higher interest rate. It turned out that Talkmobile, which is part of Vodafone, was responsible.
Talkmobile initially said it could only ring
Nick Lyons, seen with his wife, Mary-Ann, had his credit rating affected thanks to Talkmobile you to discuss this on the mobile number relating to the account. This you no longer had a Sim card for. It eventually agreed to write to you but didn’t.
When you wrote to Talkmobile again it said it had never received your correspondence and the account was overdue by six months.
It said it would correct the credit report if you cleared the £45 balance. This you duly did but, two months later, the episode re-emerged on your file with another agency. Your payment history was now classified as “very poor”.
Highly affronted, you called Talkmobile, which said it had no record of any previous correspondence. Thismantra was wearing a bit thin.
When I took this up with Vodafone, it accepted that it should have been easier for you to cancel by phone.
It refunded the charges accrued since your original letter, which it still has not located.
You have given this sum to charity. Your credit rating has at last been restored to its normal state and the car loan granted on the terms you originally wanted.