Default for £57

Guth

Hi


I have a default for £57 is it worth making them an offer to clear it from my account? Will it actually make that much difference?


Thanks


G

simeyb

That is a mad amount to have defaulted on - its mucked up your credit file for 6 years so paying it off will only help marginally. Did you not see it coming? If there is any half decent excuse to try and get rid I would try if I was u

Guth

Its from a Virgin mobile bill. I didn't see it coming I had an argument with them and refused to pay until they sorted it

McKneff

Oh, they sorted it out, to your detriment.


Did they prove the debt after your dispute, or are you still arguing about it.


If they have proved it, your credit is trashed for 6 years I'm afraid.

Guth

No they havnt sorted the issue just cancelled my contract and defaulted me. If I paid them in full or partial and asked them to remove it would that help or is it just there?

Enfieldian

You can only ask.

Some companies have removed defaults in the past as a condition of settlement but others have steadfastly refused.

Dovah_diva

Guth wrote: »

Its from a Virgin mobile bill. I didn't see it coming I had an argument with them and refused to pay until they sorted it

I hope you've learned that this is always the worse course of action. You should pay any disputed amount, making it clear that you are disputing the amount, then continue your dispute.

magpiecottage

Virgin Media's complaints procedure is here. You need to follow it.

LouiseDorman

In quite a similar situation.... let me know how you get on?? Thanks

Guth

They havnt answered my emails so have written to them the fight continues I cant have been in South Africa and Bradford at the same time so Im convinced I don't owe them the cash

Fruit_and_Nut_Case

Guth wrote: »

They havnt answered my emails so have written to them the fight continues I cant have been in South Africa and Bradford at the same time so Im convinced I don't owe them the cash

But were you in South Africa and Bradford at slightly different times? Roaming charges can take a while to appear on your bill.