what should i do with default in my credit report

zj00004

hi
I recently had a look with my credit report in creditexpert,

i have been checking it every 3 month since 3 years ago

there was no problem before

but I found this is new account in my Account information

it is from virgin media ,showing i missing payment for last 5 years for 14 pounds

I checked address it was where i lived 5 years ago, i rented a room when i was a student, i have not sign contract with virgin media ,because i only lived there for 3 month, the other tennat had contract with virgin media.:mad:

I have sent 3 letters to virgin media to explain for last 2 months but I never received any replies and also the record is still in my credit report.:eek:


please give advice I want to buy house next year worrying it will affect my mortgage

Many thanks

Phil

[Deleted User]

try phoning them phil

Tmesis_2

Alternatively use the dispute process in CreditExpert - not that they are much use. Alternatively a Data Protection Act complaint usually gets the most attention as well (processing data without consent; processing incorrect personal data). Send to:

Data Protection & Privacy
Virgin Media
Bartley Wood Business Park
Hook
Hampshire
RG27 9UP

From: http://store.virginmedia.com/the-legal-stuff/privacy-policy.html