When is a disputed amount a "debt"?

Gmod

I'm happy to pay what I owe. The dispute is the amount.


If Virgin told me I owed them £500, but the correct amount was £100, would you still advise me to just pay up?

IAmWales

Gmod wrote: »

I'm happy to pay what I owe. The dispute is the amount.


If Virgin told me I owed them £500, but the correct amount was £100, would you still advise me to just pay up?

What do you believe you owe, and how have you reached that figure?

chappers

unfortunately they will just keep reporting it as late.
Can I ask why you dispute the figure as I am just about to go down a similar route I fear as they have just told me I have to give them 3 months notice as that is how long I have left on my contract.
I know that is rubbish as I took my contract out so long ago, that they weren't even Virgin media.
I haven't renewed or changed any services since day 1.
I have asked them for a copy of my contact and another department have already confirmed they have no record.
VM are so frustrating, their product is brilliant, but why is it as soon as you have to interact with them it all goes so wrong, they are just about the most incompetent bunch of morons I have ever had the misfortune to have had to deal with.
Anyway rant over back to the OP, if your contract is more recent then this might explain their early cancellation fees

verityboo

Gmod wrote: »

I wrote to virgin and told them I disputed the fee and explained why (don't want to get into that here, as it's complex).

But it is not complex! They are either charging fees as laid out in the contract or they aren't

If not simply outline what fees are wrong

Gmod

*UPDATE*

I wanted to let you all know that I sued Virgin Media and won.
After an interim hearing at Court they agreed to write off the so-called "debt" and agreed to write to the CRAs to remove the default from my credit file. Which they have done.

My credit rating doubled overnight.

It turns out that I wasn't the only one and OFCOM have just fined Virgin Media £7million.

Thanks to all those who tried to help.

[Deleted User]

To be fair to Virgin, it was a debt, and it was a charge you agreed to when you signed your contract with them.

Ignore your credit score/rating doubling - it still means as much now as it did with the default on there

brianposter

Gmod wrote: »

*UPDATE*

I wanted to let you all know that I sued Virgin Media and won.
After an interim hearing at Court they agreed to write off the so-called "debt" and agreed to write to the CRAs to remove the default from my credit file. Which they have done.

My credit rating doubled overnight.

It turns out that I wasn't the only one and OFCOM have just fined Virgin Media £7million.

Thanks to all those who tried to help.

Could you tell us how you went about "suing Virgin Media" ?

Your experience might help other people.

[Deleted User]

Probably just a complaint to the FOS.

I highly doubt they were sued personally by an individual for a sum of less than £200 that should have been paid as per the terms of their signed and agreed contract.