Negative influencer

luckybert

Deleted_User wrote: »

I don't know how many more times I can answer this.

Lenders like to see people who clear their debts, even if they've had a bump along the way.

I don't know how many times I can say this either but if I pay it but it still shows as a bad debt then whats the point. There has to be some recognition (despite me still believing I'm in the right) that I've paid it.

luckybert

vacheron wrote: »

This is rare for me, but I have to side with Virgin on this one.

When you sign a contract you are promising to pay for the duration of the term. If you voluntarily change your circumstances so that you can no longer receive their services, that is not their issue.

It is the same as if you took out a mobile phone contract and moves to an island with no signal. Or leased a car then move somewhere with no roads. The contract you signed and promise you made remains valid.

Morality issues aside, you made a promise and then failed to honour it. This has been accurately recorded on your credit file because this is EXACTLY the kind of behavior a credit file is there to warn potential lenders about.

So you are saying that would put a major life decision like marriage or in my moving house on hold until a contact ends. Well that's unusual in my opinion but that's up to you.

[Deleted User]

Ok . Let's try this -

Who would a lender trust more?

A) Person who defaulted on a debt but then settled it when they could.

Person who defaulted on a debt and then never bothered to settle it, even though they could and then endlessly moaned about how no one would give them credit?

I'll give you a clue.

The answer is A.

luckybert

Deleted_User wrote: »

Ok . Let's try this -

Who would a lender trust more?

A) Person who defaulted on a debt but then settled it when they could.

Person who defaulted on a debt and then never bothered to settle it, even though they could and then endlessly moaned about how no one would give them credit?

I'll give you a clue.

The answer is A.

I agree A is the answer and if it's shows it's been paid and has been removed then I will comply and pay it - as mentioned.

Hopefully with the steps of how to go about doing this I might be able to do it.

vacheron

luckybert wrote: »

So you are saying that would put a major life decision like marriage or in my moving house on hold until a contact ends. Well that's unusual in my opinion but that's up to you.

Nope, I'm saying that if you can afford to get married or move house you can afford to honour the last 2 months of the contractual obligation you willingly entered into.

It is perfectly possible to move house and get married while entered into the remainder of an internet services contract. I have no idea where you got the impression it wasn't?

Willing2Learn

@luckybert

Why are you not complaining to OFCOM about your perceived unfairness of Virgin's Early Termination Charge (ETC)? After all, OFCOM are already investigating the Virgin (and EE) ETCs, as to whether the charges are fair or not.

If it were me, I would probably settle the defaulted account whilst simultaneously registering a complaint against Virgin with OFCOM. The next update of the investigation by OFCOM is due in the summer. There would be a chance you would get the money refunded, plus the default removed, if OFCOM were to decide that Virgin ETC practices are unfair.

luckybert

I'm interested in complaining to OFCOM (initially anyway, all I wish to do at this point is

CONTACT EXPERIAN AND GET THEM TO ASK VIRGIN IF THEY WILL ACCEPT A PAYMENT FROM ME TO REVERSE MY NEGATIVE CREDIT SCORE!

luckybert

vacheron wrote: »

Nope, I'm saying that if you can afford to get married or move house you can afford to honour the last 2 months of the contractual obligation you willingly entered into.

It is perfectly possible to move house and get married while entered into the remainder of an internet services contract. I have no idea where you got the impression it wasn't?

The fact that OFCOM are investigating their practice should tell you what they are doing is wrong/unfair (choose whatever word you like). Too many people just follow and don't make a stand against things like this. I just happen to be in the minority on here and fall in the latter category. Take Brexit, I won't have my life put on hold and why other worry about that.

Willing2Learn

luckybert wrote: »

I'm interested in complaining to OFCOM (initially anyway, all I wish to do at this point is

CONTACT EXPERIAN AND GET THEM TO ASK VIRGIN IF THEY WILL ACCEPT A PAYMENT FROM ME TO REVERSE MY NEGATIVE CREDIT SCORE!

I think you misunderstand the relationship between Experian and Virgin. Experian will not be able to ask Virgin to remove the default (or 'negative influencer') in return for your payment.

luckybert

Willing2Learn wrote: »

I think you misunderstand the relationship between Experian and Virgin. Experian will not be able to ask Virgin to remove the default (or 'negative influencer') in return for your payment.

Oh in that case what I've read is incorrect in the post I found yesterday as that gave me the impression that's what they could do.