Equifax black mark

arsenalboy

Help advice needed please!

I get monthly alerts from Experian of my credit file which I get free with one of my bank accounts.
I have just had an alert that Virgin Media have given me a black mark showing that I have defaulted on my account.
I get a monthly ebill from them for phone/broadband/tv, I do nothing and they automatically take payment from my bank account about 10 days later.
Last month I looked at the ebill and saw an amount of £2.66 which I shouldn't have been charged (How I now wish I had left well alone!!).
I rang them and they agreed with me and said as the money hadn't yet come out of my bank account they would alter it.
What they did was reduce the amount taken from my bank by £2.66 but did not reduce the bill. This obviously showed I had "underpaid" by £2.66.
Some automatic system has shown this as me "defaulting". Obviously the following month it will show me as okay again but this black mark will remain.

Will this single black mark cause me problems in the future or should I try and get it removed? I have nightmares at the thought of trying to explain this to call centre staff and trying to get them to do something!


p.s. I wasn't sure if this was the correct section to post on but it seemed the best fit?

fermi

As the default (or other) entry is clearly inaccurate and purely Virgin Media's fault, then you need to take them to task and demand that all negative info is removed from your credit reports.

fermi

It seems that Virgin Media has been making mess ups with people's credit report's this month.

Even the head of Experian Customer relations had bad info falsely placed on his Equifax report. :eek:

arsenalboy

fermi thanks for that. I am not sure who I should be ringing at Virgin as my experience of their call centre help is not very good, they got me in to this mess!!

fermi

Well, I suppose the call centre is the first place to try.

Complaints procedure and contacts here I think? https://help.virginmedia.com/system/selfservice.controller?CONFIGURATION=1002&PARTITION_ID=1&TIMEZONE_OFFSET=&USERTYPE=1&%20&VM_CUSTOMER_TYPE=Cable&CMD=VIEW_ARTICLE&ARTICLE_ID=350624&contactjourney=true

If you don't get the info removed PDQ, then record a dispute through Equifax at least.

fermi

lol. I asked someone else here to tweet James from Experian to see if he had and tips for dealing with VM.

Already got a reply.

https://twitter.com/#!/ExperianJames/status/163579037820796928

Yes call them, ask to speak to credit control then ask for the number of the team that deals with credit files.

arsenalboy

fermi, I have had incredible help and support from this forum over the last couple of years, but this has to be the most definitive way forward I have ever received. I tried hitting the thanks button more than once but it wouldn't let me:T

amorge

I had a default removed from my file in November by VM. You need to write to:


Consumer Underwriting Services
Virgin Media
Cable Phone House
Small Heath Business Park
Talbot Way
B10 0HJ
Tel: 0800 052 0290

The letter I received asked me to send a copy of my credit file with full explanation. They removed the default within 21 days

Hope that helps

raheelf

amorge wrote: »

I had a default removed from my file in November by VM. You need to write to:


Consumer Underwriting Services
Virgin Media
Cable Phone House
Small Heath Business Park
Talbot Way
B10 0HJ
Tel: 0800 052 0290

The letter I received asked me to send a copy of my credit file with full explanation. They removed the default within 21 days

Hope that helps

Did you send the whole credit report or just the pages with the section showing the default information?

Gordon_Hose

I think it's disgusting that VM can just do this.

billybear1

Even worse when you have a mortgage application going through and the credit check being done this week. Going the route mentioned kind of works... Still the people that actually deal with it cannot be named, spoken to or contacted so it seems.