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Vodafone Debt Collection – Should You Pay? 

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Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

Learn more about Scott
&
Janine
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Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Feb 7th, 2024
Could you legally write off some debt? Answer below to get started.

Total amount of debt?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

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Vodafone Debt Collection

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

Are you confused about a letter from Vodafone Debt Collection? Are you worrying if it’s real, where it came from, or if you can afford to pay it? You’re not alone. In fact, every month, over 170,000 people visit our website for advice on debt, and nearly half of the individuals who deal with debt collection agencies have experienced harassment or aggression1.

In this guide, we’ll show you:

  •  How to check if the Vodafone debt is really yours.
  •  What happens if you don’t pay your Vodafone bill.
  •  What to do if you can’t afford to pay your bill.
  •  How a debt collection agency works, and what to do if one contacts you.
  •  If you can get help to deal with your Vodafone debt.

We know it’s hard to get a debt letter; some of us have been there too. That’s why we’ve created this guide that will help you understand your options and what steps you can take.

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

What if I don’t pay my Vodafone bill? 

Many of us have missed a payment on a phone bill from time to time. You might not realise it’s due, or you may have forgotten to transfer money into the right account. In such situations, you’ll usually get a notification that your account is overdue, and you can solve the problem fairly quickly. 

However, if you’ve missed a payment by a long way, your account will usually go into arrears. This could mean that Vodafone cut off your number, meaning you’re unable to use data or make or receive calls. At this stage, it’s not too late to pay your bill with relatively little damage. 

If you still don’t pay your bill, Vodafone will default your account, and your contract will likely be cancelled. This will then usually start the Vodafone debt collection process. This could mean that they pass your debt over to a debt collection agency or even issue a County Court judgement

Debt collection agencies buy billions of debt annually at rock bottom prices – at an average of 10p to £12! And while it’s unlikely that Vodafone will sell your debt to a third party, if they do, the company they sell the debt to will pursue payment tirelessly to make a profit.

What if my bill is wrong? 

Sometimes, you might find that your Vodafone bill is unusually large. It’s easy to just worry about the amount itself rather than look at whether or not the bill is correct.

If you think your bill is unfair or wrong, you should contact Vodafone to get them to check the extra charges. Often, by talking it through, you can come up with a solution that works best for you and the company. 

Of course, if you make a complaint about your bill, Vodafone has to deal with it. However, if they don’t resolve it in a satisfying way, you can contact Ofcom to escalate the issue further. 

I always recommend responding to debt collectors – even just to question the debt’s validity. Remember, you have the right to request proof of the debt. They have to prove it or they can’t charge you.

» TAKE ACTION NOW: Fill out the short debt form

What should I do if a debt collection agency contacts me?

Although it can be concerning when a debt collection agency contacts you, you don’t need to panic. There are several steps you can take: 

  • Check whether what you owe is correct
  • Get Vodafone to confirm the debt 
  • Check whether the debt is statute-barred
  • Try and arrange a repayment plan with Vodafone 

These simple steps can help you avoid a lot of hassle in the long run. Ultimately, you want to settle the matter before court proceedings begin, as this can severely impact your credit rating for the next few years. 

I can’t afford to pay my bill – what should I do? 

Don’t worry, there are plenty of solutions.

Of course, the situation I’ve mentioned above is the worst-case scenario. A Vodafone debt collection agency will usually only contact you as a last resort.

If you’re struggling to pay your bill, there are several options you can take. Whether you’re finding it hard to pay your usual monthly payment or additional fees you’ve incurred, the first thing you should do is contact Vodafone.

They even have a dedicated page for those struggling to pay their bill.

Here, there are suggestions for actions both you and they might take: 

Actions you can take

There are several things you can do to reduce your future bills. Many of these focus on reducing any extra charges you might rack up.

For example, instead of using extra data, you can try connecting to a Wi-Fi network. Similarly, you can change your plan so that you have enough calls, texts, and data without getting extra charges. 

Actions they might take

If you’re having a hard time paying your Vodafone bill, they might help you come up with a payment plan.

This means that you pay back smaller amounts on a regular basis until you clear the debt. They may also remove any additional services you don’t need or even change the date of your bill to make things easier. 

Vodafone debt negotiation isn’t too complex – you’re both just trying to find a payment plan that works for you.

How a debt solution could help

Some debt solutions can:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:


Situation

Monthly income £2,504
Monthly expenses £2,345
Total debt £32,049

Monthly debt repayments

Before £587
After £158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get Started

Checking for Other Debt Collectors

There are a lot of ways to get into debt. In fact, it’s not uncommon to owe money to several companies at once.

Perhaps you have a mortgage, a car loan, a couple credit cards and an item or two you bought on buy-now-pay-later schemes. It’s easy to lose track

That’s why it’s important to regularly check your credit report and bank statements to make sure you haven’t missed anything.

If a debt collector has purchased your debt, it appears on your credit report.

Some of the debt collectors you’re most likely to come across are PRA Group, Lowell and Cabot Financial

Vodafone Customer Support Contact Details

Phone: 191 using your Vodafone mobile phone
0333 3040 191 from any other phone
Opening hours: 8 am to 8 pm, Monday through Friday
Live Chat: Vodafone Contact Us
Email: [email protected]
Address: The Connection, Newbury, RG14 2FN (Head Quarters)
Website: https://www.vodafone.co.uk/

FAQs

Can I still use my phone if I don’t pay my bill?
Yes and no. Once your phone contact goes into arrears then it is down to the provider whether they don’t allow you to use your phone whilst they chase payment.
Why is my phone bill so high Vodafone?
Your phone bill is so high because you likely used more data than your allowance or you made calls to someone outside your plan. Sometimes picture messages cost more…
How do I cancel Vodafone bill pay?
You can cancel bill pay by contacting Vodafone customer service at 1907 and they will help you. You are required to give 30 days notice.
Could you legally write off some debt?

Answer below to get started.

How much debt do you have?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

References

  1. InDebted, Debt Collectors Survey
  2. Jubilee Debt, A Fresh Start After Covid-19
The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.
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