Virgin active dispute

JamesSmith2000

Tixy wrote: »

It is technically possible for virgin active to remove the default if they wanted to (that is if they agreed that you didn't default or had been given incorrect information).



With a default on file, even a settled one and with an explanation via a NOC you are still unlikely to be accepted for loans at the advertised representative rates or at particularly good rates.

If the rate you have been offered by your bank is cheaper than some of your cards then it may well make sense to take it and repay some of your most expensive debt on cards or overdraft (sensible providing you don't reuse the cards to run up more debt).

Tixy could you please help me, the other option I want to do is go down the road of asking them to prove it. Then contesting it because they did not provide the service they agreed, so they forfeited the contract making it null and void.

Is there a thread somewhere about writing a letter asking them to prove it?

Tixy

I don't think that would work based on what you have posted on this thread.

You could send them a subject access request under the data protection act - there is a £10 fee but this would give you copies of letters sent to you, details of all transactions on the account etc.

You could write a letter asking them to provide evidence that you defaulted on the agreement. Presumably they would fairy easily be able to send a list of transactions showing that you stopped paying before the end of the service agreement.