Can't get credit because of incorrect default.

karatedragon

I had a problem with NTL reporting an incorrect default. It was a pig to get corrected and I ended up serving legal notice on them and got an out of court settlement for the problem I had. What Iremember is that they only used Equifax. It sounds like you are querying your bill and they should report the code "Q" instead of a missed payment. "Q" has no bad effect on your rating. I have a number directly to the office at NTL that deals with the Equifax reporting. Dont know if they are sill there as it is Virgin Media now but it was in Luton.

The odd thing is for me that when Virgin Media took over the twio NTL entries I had showing as settled completely vanished.

karatedragon

I am no longer an NTL customer since the billing and default fiasco last year and I will never go back to them or recommend them to anyone.

neenaw_4

Fozzee wrote: »

Sorry just a quick point about the online sign up. From memory i just ticked a box agreeing to their terms and conditions. NOT a credit agreement.
Not sure if this makes a difference.

And also does having moved to a different address count as a defence to not receiving a default notice?

Their terms and conditions probably covered the credit agreement. See, any time we accept a company's terms and conditions or sign a contract, somewhere in the small print will be something that authorises them to send our financial details to a credit agency. Without this, they wouldn't be able to do this. So really, the only reason credit agencies hold info about us is because we have agreed to it.

Anyway, you wouldn't need to tell them why you didn't receive a default notice. All that's important is that you didn't get it. They are then legally required to issue you with it (within 28 days).

Would i be right to use the section of the law in that letter as it wasn't a fixed sum agreement?

And am i within my rights to ask them to provide a breakdown of how they reached the amount?

Are you sure it wasn't a fixed sum agreement? For example, my telephone agreement has a credit of £100 - but obviously my phone bill can be whatever I like each month.

And yeah you can ask them how they came to their total that you owe but this is covered in the 1st point in the letter - asking for a statement of your account.

Fozzee

I decided to give Virgin a call. I spoke to a very helpful lady in credit services called Kelly. She said if i cleared the £83 she would remove the default!
I told her that I didn't agree with amount and she told me to ring customer relations to see if they could sort anything out.
I'm tempted just to pay the £83 to get rid of the default.

Fozzee

Fozzee wrote: »

I decided to give Virgin a call. I spoke to a very helpful lady in credit services called Kelly. She said if i cleared the £83 she would remove the default!
I told her that I didn't agree with amount and she told me to ring customer relations to see if they could sort anything out.
I'm tempted just to pay the £83 to get rid of the default.

I paid the outstanding amount to save a lengthy dispute and recorded the conversation on my phone. During this conversation she quite clearly promises to completely remove the default.

Thumbs up to virgin (as long as they do it of course)

I'll check in 14 days and update you...

John