This has long since been a pet hate of mine that financial organisations can trash your credit history with the Credit Reference Agencies and say there is a default without the matter ever being decided on going to court. You just miss a payment on your credit history is trashed.
The credit reference agencies are allegedly regulated by the Financial Conduct Authority who do nothing about this.
Basically, it’s a bit of a “club” and if you pay the Credit Reference Agency annual fee, you are allowed to do that!
Imagine a situation where my friend owes me money and he is pay me £10 per week. He then misses one week . I don’t have the right to trashes credit history because there is a default so why should these financial organisations bully me as they do. It makes my blood boil until someone does anything about it starts properly regulating Credit Reference Agencies, carry on.
I will get off my soapbox now.
I don’t know whether you sent your request to Vodafone by email or paper letter but I would suggest doing the same including copies of the emails, but now doing it on paper and sending it by recorded delivery.
If you don’t get a satisfactory response within eight weeks, make a formal complaint in writing to the Financial Ombudsman Service, about their refusal to reply and registering the default against you. Make a complaint to Ofcom, about the same.
What you can do also is turned this completely on its head and pay them the £95 under duress/pressure and then take them to the Small Claims Court for a court order to get the money back and a further court order to have the reference against your credit history removed.
Can I clarify anything else for you?
I’m happy to answer any specific points arising from this.
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