Credit score

‘Voda­fone ru­ined rat­ing’

The Daily Telegraph - Your Money - - FRONT PAGE -

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.

Newspapers in English

Newspapers from UK

© PressReader. All rights reserved.