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Negative influencer

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  • vacheron
    vacheron Posts: 2,185 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 26 March 2019 at 1:01PM
    luckybert wrote: »
    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.

    Virgin will have recorded a default against your account with Experian. If you clear the outstanding debt and any additional charges incurred, this will be changed to "satisfied" to show that you have cleared the debt. However any defaults recorded in the intervening months still be visible for 6 years.

    Experian will remove genuine errors in their file such as mistakes or someone else's debt accidentally appearing on your file, however they are under no obligation to remove a genuine default that has been settled as it is an accurate record of what actually happened.
    • The rich buy assets.
    • The poor only have expenses.
    • The middle class buy liabilities they think are assets.
    Robert T. Kiyosaki
  • luckybert
    luckybert Posts: 974 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    vacheron wrote: »
    Virgin will have recorded a default against your account with Experian. If you clear the outstanding debt and any additional charges incurred, this will be changed to "satisfied" to show that you have cleared the debt. However any defaults recorded in the intervening months still be visible for 6 years.

    Experian will remove genuine errors in their file such as mistakes or someone else's debt accidentally appearing on your file, however they are under no obligation to remove a genuine default that has been settled as it is an accurate record of what actually happened.


    Great and it's not a mistake but want it changed to 'satisfied' but there is no obvious online form/dispute form on the UK website. I've sent them a message but not sure it's the right route.

    Whether I contact virgin media?
  • Willing2Learn
    Willing2Learn Posts: 6,294 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    luckybert wrote: »
    Great and it's not a mistake but want it changed to 'satisfied' but there is no obvious online form/dispute form on the UK website. I've sent them a message but not sure it's the right route.

    Whether I contact virgin media?
    Your complaint prospects (as I see it):
    • Virgin Media - They are unlikely to back down as you were in breach of your contract
    • Experian - They are unlikely to remove the default as it is factually correct
    • OFCOM - This is your best chance as they are already investigating Virgins ETC clauses due to the number of complaints from consumers
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

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  • luckybert
    luckybert Posts: 974 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    To make matters worse my declined credit card applications from yesterday (which started all this) have made my score go down and I now have two bad influences showing.
  • luckybert wrote: »
    To make matters worse my declined credit card applications from yesterday (which started all this) have made my score go down and I now have two bad influences showing.

    You need to stop looking at the score.

    It's not a number that lenders use to assess you
  • stripeyfox
    stripeyfox Posts: 474 Forumite
    luckybert wrote: »
    Great and it's not a mistake but want it changed to 'satisfied' but there is no obvious online form/dispute form on the UK website. I've sent them a message but not sure it's the right route.

    Whether I contact virgin media?

    I think that once you have settled the debt, Virgin will inform Experian that it is settled. I assume this does not happen immediately, but will take a bit of time to update. Your credit record will therefore be "better" for having settled the debt.
  • stripeyfox wrote: »
    I think that once you have settled the debt, Virgin will inform Experian that it is settled. I assume this does not happen immediately, but will take a bit of time to update. Your credit record will therefore be "better" for having settled the debt.

    Correct.
    The default won't be removed at this stage, but will be 6 years from the date the default was registered
  • luckybert
    luckybert Posts: 974 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    !!! wrote: »
    Correct.
    The default won't be removed at this stage, but will be 6 years from the date the default was registered

    This is subject to the company.

    I called Experian and the first step is for me to contact Virgin.
  • I think you need to improve your credit history.
  • luckybert wrote: »
    This is subject to the company.

    I called Experian and the first step is for me to contact Virgin.

    It's not subject to the company - all defaults remain for 6 years unless there is a justifiable reason and good cause to remove it early.
    Not honouring a contract is not a reason to have it removed early.
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