Old default

dreamdreamer

So, the only remaining "stain" on my credit file is a default from Virgin Media from 2009. I'm not up on all the legal stuff so wonder if someone could help me out. It's like this...

September 2008 - account cancelled by phone with Virgin as moving out imminently.
April 2009 - having heard nothing from Virgin since, receive a letter from a DCA requesting payment of £178 (4 x monthly payment + fees). Panic, pay the amount on the same day. Phone Virgin who deny every having account cancelled. (Lesson learned, do it in writing recorded post!).

I never had any notice of default but then they may have sent it to my old address. My bad for not setting up redirection but I'd changed all my accounts to my new address so didnt see the need.

My equifax report shows the account as late from Sep-April, default in April, and settled in May. From the little I've read on here, if I settle the default within 28 days is it meant to still show on there?

Is there anything I can do to get this removed? It's not adversely affecting me really, I got my mortgage and a consolidation loan in 2010, but it's just annoying me! :mad:

Thanks,

Dreamer

fermi

dreamdreamer wrote: »

My equifax report shows the account as late from Sep-April, default in April, and settled in May. From the little I've read on here, if I settle the default within 28 days is it meant to still show on there?

Not exactly, no.

The ICO has some vague waffley recommendation that creditors should send you a "notice of the intention to file a default" giving you 28 days to rectify the account before they actually register it.

But once it has been registered, the default stays, even if you pay it 1 day after.

It's also not a legally binding requirement. Just something the ICO advises should be done in most cases.

dreamdreamer

Thanks for the info fermi. I suspected I was probably stuck with it! Ah well at least they defaulted me quickly I suppose! Be off in a mere 4 years!

Culex

Virgin Media seems to be run by idiots.

One of their pavement cabinets was open to the wind, rain and other weather for over a year - some hooligan had removed the doors - before they bothered to replace it. I must have reported it to them at least a dozen times.