Virgin Media (Default)

Perfection

Hi MSE
i have an issue with virgin media!! in 2009 i went bankrupt and my ex divorced me but i had a virgin media account at that time on the Internet, she says ill pay the account for you saves me opening up an account ok i say and left it at that!! as we parted ways....then she stops paying virgin media and i owe £65 i didnt know i owed money to Virgin and for 3 years they in that time they been defaulting me....now as im out of bankruptcy and and been a good boy i thought ill try and open a bank account...i got stone walled!! and there it is default so i pay the account because i want the problem to go away and now months after i settled the account Virgin Media are still defaulting me for fun!! i sent them proof and a letter asking them kindly to stop defaulting me i paid them i even got a ref no from phone call i made and they continue to default me..is there a professional body that i can turn too now to get them stop the defaults...now when i owed money they had the right to default me so now i paid up what are my rights? sorry for the long post

gizmo111

They can only default you once - but the default will be continuous for 6 years when it will drop off credit report. Not sure if this debt could be included in BR.

fatbelly

It doesn't sound like the liability was incurred pre-bankruptcy. The default stays on your file six years, as does your bankruptcy. So it's not too much of a surprise that you are having problems.

Try for a basic bank account

https://www.moneyadviceservice.org.uk/en/articles/basic-bank-accounts

and get a sub-prime credit card, paying in full every month, to try to rebuild your history.

Perfection

Ok i understand.. but i have paid the debt in full and in theory the account should say settled and no more defaults made on me even though i am aware it waill take six years to drop it says

Virgin Media Default £65 4:11:2012

Virgin Media Default £65 4:12:2012 i Paid in full on 16/12/12

Virgin Media Default £65 4:1:2013

Virgin Media Default £65 4:2:2013

Virgin Media Default £65 4:3:2013

Virgin Media Default £65 4:4:2013

Virgin Media Default £65 5:5:2013
can you now see my point? each time a default is made i get back squadded a full 6 years from that date of the last default, even the credit reference agency say it shouldnt be happening and i have to approach them direct. i have now done that and have given them 5 weeks so what now now would ofcom be a good bet?
thanks for the link with the bank accounts fatbelly and thanks for the replys