Default from Virgin Media on one Month's late Payment

raheelf

I would really appreciate If somebody can help me in resolving this issue with VM.

When I checked my credit report (Experian) last time sometime between June and September 2011, it was clean and nothing was there about VM default. But then yesterday, I retrieved the latest report and was shocked to see the default placed by VM in 28 Nov 2008.

Actually, I was their customer from Jan 2008 till Jan 2009 and was regular with my payments from Jan08 to Sept08. Then I missed the payment of Oct08 but later called them up and paid for the whole contract in Nov08. Then I also asked them to close the account which they did.

So, I am not sure what is the issue here which has caused them to place the default in my credit history. As per Experian's website default can only be placed if you missed 8 payments.

Please let me know how should I deal with this issue and approach VM about that. I also have the bank statements as a proof of that period showing every payment to VM.

Kind Regards,

raheelf

Just in case, that's how the default looks like in my CR...

VIRGIN MEDIA Communications Default Satisfied 06/05/2012
Entry Number: C13 |
Account Updated to: 06/05/2012
Name:XXXXXXXXXXXX
Address:XXXXXXXXXXXXXXXXX XXXXXXXXXX
Date of Birth:XXXXXXXX
Account Type:Communications
Started: 18/01/2008
Current Balance: Satisfied
Default Date: 24/11/2008
Default Balance: £71