virgin media default on credit file

JackRobert

Hi,

I have recently started the process of purchasing a house and have come across a default on my credit file from virgin media.

The reason I want the default removed is because I never received a letter or an email informing me of the missing payment. The direct debit never came from my account, it came from a group account set up at university that was not connected to my name, therefore without receiving any information from virgin media I could not possibly know of the missing payment. It was the last payment that was missed and it was over 4 years ago. Because the payment never came from my current account can they give me a default?

Carrying on, I moved house the month of the missing payment and informed virgin media of my new address. I even had a new account running with virgin media before the default was issued. I never missed a payment with this account and shows that virgin had my new address. No information regarding the missing payment was sent to this new address so I could not possible know of the missing payment.

What’s the best way to get the default removed not just settled?

Thank you,
Jack

sourcrates

Hi,


There are very limited reasons why a default can be removed, basically it can only be done if it were placed there in error.


You should send a formal written complaint to virgin media, stating your case, and asking for the default to be removed as you believe in was put there in error.


See how they respond to that.

JackRobert

Hi,

Thanks very much for the advise. I will send a letter this week.

Do you know who makes the final decision for removing the default?

Thanks

sourcrates

JackRobert wrote: »

Hi,

Thanks very much for the advise. I will send a letter this week.

Do you know who makes the final decision for removing the default?

Thanks

The company that put it there has the final say, in your case Virgin.

And they can just as easily take it off again, but will only do so with good reason, you can dispute it from your credit report page, but without telling virgin media why you think it should be removed, they will just say it was correctly applied, hence why you must write to them and complain.

chanz4

Good luck with the removal, they wont play nice

anna_1977

Hi, I had a default removed about 5 years ago from Virgin Media - was for a final bill of £72 that was never received or owed in the first place
Good luck

JackRobert

Thanks very much for the advice - they have removed the default

I actually sent a very polite email (to their executive team) stating that due to it being such a small amount and being a long term customer can they remove the default as it is effecting my credit file and therefore chances of getting a mortgage. I then called everyday to chase them up and it was sorted with in a week.

For anyone else in this situation I highly recommend going down the sympathy route as there are very few reasons they will have to legally remove them, unless its error on their behalf of course.

Thanks,

Ajcn

JackRobert wrote: »

Thanks very much for the advice - they have removed the default

I actually sent a very polite email (to their executive team) stating that due to it being such a small amount and being a long term customer can they remove the default as it is effecting my credit file and therefore chances of getting a mortgage. I then called everyday to chase them up and it was sorted with in a week.

For anyone else in this situation I highly recommend going down the sympathy route as there are very few reasons they will have to legally remove them, unless its error on their behalf of course.

Thanks,

Hi

I am in exactly the same situation as you were. Can you please share the contact details you used for Virgin Media and possibly the template you used for the email?

Thanks

amy2015

Hi, would you mind giving the email address you contacted? I am struggling to find one. Thanks
Amy