Virgin Media Default Notice

leastarfairy

Hi,

I've never done this forum thing before so bear with me... I'll try to give you as much info as poss...

I have a default from Jan 2008 on my credit file. I moved home in December 2007 providing them with my new address. I asked them to take the final payment from the DD. They said they would have to send out a final bill and advised me to cancel the DD. I did this.

I did not receive a final bill or anything. When I remembered to contact them again to chase (no idea when this was - perhaps a few weeks later) I was directed to a DCA. I paid the balance in full with the DCA and was told this was fine and all settled.

I have now found this default on my credit file. I stupidly didn't think to check at the time that I paid the debt or use payment as leverage to remove the deault. Hindsight aye? It appears the account is closed following the default in Jan.

I have since contacted VM and asked them to remove it as I was not notified of the final bill, default notice and so on. They have refused. Should I now make a SAR and try to prove they did not notify me under the DPA? Or I saw some bits on Virgin not being covered by CCA - is this relevant?

VM have been useless. I made my query through customer services which were useless. Then through the CEO who did reply and I am now talking with his assistant regarding this, although she has said that there is nothing she can do as "... the account was settled late by yourself..." I find this annoying as they are simply ignoring the fact that I did not receive anything, claiming letters were sent.

Also, they apparently sent a final bill mid Dec (not received at new address), sent a default notice on Xmas Eve (not received), notified the DCA in early Jan and applied the default in early Feb (not notified of either). Seems a little excessive for a £73 final bill which I had every intention of paying. I don't believe there were any late payments or other issues on the account at any point.

I am applying for a mortgage at the end of this year and desperately need to clear this off if possible.

Thank you for any help you can give me!

leastarfairy

It appears I have done this forum thing before... but anyway...

Mrs_Arcanum

Try posing this question on Cable Forum They have Virgin staff who visit and good contacts in Virgin whilst still being independent.

leastarfairy

Thanks! Will try that too!

Can anyone else help in regard to my next steps - I have an open conversation going with the head office so want to try and maintain this...

leastarfairy

Ok - I have gone back to their office and requested all the information and letters in regard to my query stating the following:

Please provide me with a copy of all letters sent to me in regard to this dispute, all letters of notification regarding the default, proof of delivery for all correspondence, correspondence with the relevant debt collection agency and my original, full, signed agreement with Virgin Media for your services. I believe under the subject access request under S.7 of the data protection Act, I am completely entitled to all of this information. I am happy for these to be scanned as an electronic file or sent via post.

They returned saying:

In line with this act, the charge for a copy of information held by you is £10, however, the letters you have requested are computer generated and copies are not retained.

I replied with:

Thanks again for your response.

Would you possibily be able to advise me on an alternative means of obtaining this information? I assume you have a signed copy of my initial agreement on file in the least?

I can gladly send you £10 for the costs incurred in printing this information. As I understand I am entitled to a record of all the information that you hold on my file. Is that not correct? If you could provide a postal address for me to send the cheque I will send immediately.

I am merely looking for a record that the letters were sent and left your building. I can't understand how I would not have received them.

As you can see I am still maintaining a good, "playing a bit dumb" stance with these people. I want to save being pushy for as and when I know I am approaching this correctly. Surely they can't deny providing me with info. Can I go to the Ombudsman if they deny providing copies?