Received no default notice

r0b.t

Hello there,

After doing a credit report i found that virgin media have marked an account of mine from 2008 as in default for an amount unpaid.

Upon realising this i paid the amount owed and found that the reason this had escaped my attention was because virgin were sending my mail to an address i had told them i had vacated. I did provide a correspondence address to them but it seems this was not logged.

All mail, including the default notice was thus sent to the wrong address. Therefore at no point did i receive the default notice.

I am aware that this gives me grounds to have the default removed and i am in the process of going about this. My question is which part of the consumer credit act refers to the receipt of the default notice as being necessary? I want to be sure that i quote the correct section to virgin in my letter.

Thanks in advance for any help you can provide

PNPSUKNET

do you have proof that you told them?

gunny6k

As above, unfortunately unless you have some kind of proof, like a copy of the letter or proof of delivery.

How did you make them aware you had changed address?

htp://supplemento.co.uk
ttp://supplemento.co.uk
h ttp://supplemento.co.uk
ww.supplemento.co.uk

DarkConvict

They have to send a default notice to the address they have on record.

Unless you can prove you provided the address then no, the default will stand. The lack of bills/communication from them should be the hint that it was not logged.

Sadly this is not uncommon for address changes and cancellations, you have to ensure it has been logged, rather than assume it worked first time.

it will be under goodwill for it to be removed, if you write a nice letter to the complaints department you may find it does get removed as you made swift payment upon them finally contacting you about it. And you did give notice of the new address but they did not log it correctly.

Blahah

As DarkConvict says you are better off writing to them explaining that you did provide them your address, but they haven't updated their records and that you would have been willing to pay had you been contacted. Be nice in the letter. The CCA doesn't support you here, so you'll just have to hope they remove the default as a goodwill gesture.

If you're still a customer and have been for a while, you can say something like "I have been with Virgin for many years and would like to continue being a customer. However this mistake on your part has damaged my credit record and unless it is rectified I do not feel I can continue giving Virgin my custom." You could also add something about recommending to friends and family that in future they not patronise Virgin, and that you will leave reviews on the internet stating your experience. This has never failed to produce results for me before.