Negative influencer

luckybert

I have a negative influencer which is affecting me getting credit etc.

How do I resolve this? Obviously I pay them but is the damage done or once I pay them does my negative influence get removed?

[Deleted User]

What do you mean by a negative influencer? An unpaid debt?

In which case pay it. A settled default looks better than an unsettled default.

You don't have negative or positive influencers. Just data.

BoGoF

What exactly is a 'negative influencer'?

Default, CCJ?

luckybert

Deleted_User wrote: »

What do you mean by a negative influencer? An unpaid debt?

In which case pay it. A settled default looks better than an unsettled default.

You don't have negative or positive influencers. Just data.

Yes an unpaid debt

I moved house in October 2016. At the time Virgin were supplying me my broadband, tv and phone. The area I was moving too, they couldn't supply me but they still wanted me to pay the remainder of my contract (2 months for basically not providing a service). I refused as I felt I was paying them for nothing (which I was) and I blocked all their numbers, emails etc. They have recorded this as me defaulting and not paying them.

Willing2Learn

You refused to comply with your contractual agreement. The default is factually correct. It will be removed from your file six years from the date of default.

Edit: Ofcom are currently investigating whether the Early Termination Charges levied by Virgin (and other communications providers) are fair or not. This investigation is partly as a result of consumer complaints.

https://www.ofcom.org.uk/about-ofcom/latest/bulletins/competition-bulletins/open-cases/cw_01199

[Deleted User]

luckybert wrote: »

Yes an unpaid debt

I moved house in October 2016. At the time Virgin were supplying me my broadband, tv and phone. The area I was moving too, they couldn't supply me but they still wanted me to pay the remainder of my contract (2 months for basically not providing a service). I refused as I felt I was paying them for nothing (which I was) and I blocked all their numbers, emails etc. They have recorded this as me defaulting and not paying them.

Then you didn't read your contract properly then.

It clearly states if you move to an area where there is no VM connectivity then you are liable for the remainder of your current contract

Willing2Learn

@OP - Please read the edit in my last post, as Virgin are currently being investigated as to whether the practice is fair.

sourcrates

!!! wrote: »

Then you didn't read your contract properly then.

It clearly states if you move to an area where there is no VM connectivity then you are liable for the remainder of your current contract

And so virgin media and others can now dictate where we can or cannot live ?


It may have been written into the OP`s contract, but unfair terms in consumer contracts can, and are been challenged, just because its in a contarct does not make it fair Gary.

luckybert

sourcrates wrote: »

And so virgin media and others can now dictate where we can or cannot live ?


It may have been written into the OP`s contract, but unfair terms in consumer contracts can, and are been challenged, just because its in a contarct does not make it fair Gary.

Yes my choices were 1 - to be for a service that I couldn't use
or
2 - stand my ground and not pay

Either decision is in their favour with no moral understanding.

[Deleted User]

Plenty of other contracts state the same.
I don't see why this is any different.

If you sign up for a minimum term then you need to stick to it

PRAISETHESUN

Going on a purely factual basis (ignoring the moral/unfair aspects of the problem), there was an obligation to pay written into your contract and you have failed to make a payment. As such Virgin has recorded a unpaid debt (default) against your name, which is well within their rights to do. This will remain on your file for 6 years from the date it was recorded, affecting your ability to get credit until it is removed.

The moral aspect of it may be harder to argue to them, although you may be within your rights to complain. That said, this would probably take a while to resolve and it would almost inevitably go to the ombudsman, which may then take a while to reach a decision.