Mobile phone default

Bassmansam · 19 Feb 2017 at 10:18

Hello

Me and my gf have a meeting with a mortgage broker on Friday to arrange a shared ownership mortgage. The value of the mortgage is 102,000(40%) share.

Anyway, my credit score came back as 999 but hers is somewhere in the 400's. It appears vodafone have put several red marks on her file for an account she closed 18 months ago. She spoke to them on Friday and they said she was in credit 21 pounds and the money will be refunded in to her account.

I'll email my broker today showing him the chat transcript with vodafone. Just wondered if anyone here had a similar expeirence?

Bassmansam · 19 Feb 2017 at 16:55

They are in order. What i don't understand is how can she have missed payments and now she is in credit and in that time she has made no payments to vodafone.

Bassmansam · 19 Feb 2017 at 19:10

Hades said:
Could she have missed the payments a long time ago, then caught up later and overpaid?

Out of interest do either of you have student loans etc? If so then still listen to that clip

We both have student loans but our credit cards are clear at the moment. I'll watch the clip, thanks.

Bassmansam · 19 Feb 2017 at 19:12

G-MAN2004 said:
This doesn't sound like a great decision to make.

Aside from the credit rating what is bad?

Bassmansam · 23 Feb 2017 at 08:51

Well vodafone screwed up big time. All mised payment markers will be removed. Thing is we are meeting our broker tomorrow and i'm not sure when the credit file will be updated although they are sending a letter to clarify their mistake if that counts for anything with banks.