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xlnc99
Posts: 1,673 Forumite

So i was reading through a few threads and in particular one came to my mind. It was interesting and i am not sure which opinion is right or wrong.
https://www.consumeractiongroup.co.uk/topic/299731-virgin-media-default-for-late-payment/
I have no services with Virgin but is this person right?
He is stating Virgin Broadband should not be on your credit file or any broadband is it is not providing credit, it is providing a service. He has also put in equfiax terms and conditions to back this up
Is this true?
https://www.consumeractiongroup.co.uk/topic/299731-virgin-media-default-for-late-payment/
I have no services with Virgin but is this person right?
He is stating Virgin Broadband should not be on your credit file or any broadband is it is not providing credit, it is providing a service. He has also put in equfiax terms and conditions to back this up
Is this true?
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Comments
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Is this connected to the Virgin Media early termination charges (ETC)? Because although I am not sure if it is connected, but OFCOM have been investigating VM over the way ETC charges are made (VM allegedly overcharged customers by £2.8M).I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job0 -
Not sure about charges im more referring to Virgin internet or any internet providing reporting on your credit agencies. Are they allowed too? They are not offering credit but only a service0
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He is stating Virgin Broadband should not be on your credit file or any broadband is it is not providing credit, it is providing a service. He has also put in equfiax terms and conditions to back this up
Is this true?
Technically, as you are billed in arrears, you are obtaining credit, you agree to the terms and conditions by use of the service, much like a mobile contract, its not covered by the CCA, so is credit in another form.
The provision to add a default to your credit file must be in there, otherwise they could not do it.
Companies can only do what the agreement they adhere to allows them to do, nothing more, nothing less, if its not written in there, then what they are doing is unlawful.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
I see, but i believe most services that are offered you are billed in arrears. I believe that is how it works. Its a grey area and now i see why sky and gas and utility bills dont report on your CRA, maybe because they are not allowed too0
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I see, but i believe most services that are offered you are billed in arrears. I believe that is how it works. Its a grey area and now i see why sky and gas and utility bills dont report on your CRA, maybe because they are not allowed too
Edit: And by the way, you have a credit agreement with SKY if you have a telephone handset or tablet as part of the contract.I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job0 -
This also leads me to the next question - do you have to give permission for someone to report to the agencies? Do they have to clearly tell you in the legal documents/information that they will report to the agencies for the credit you have
in other words - can anyone just decide to do this0 -
...do you have to give permission for someone to report to the agencies?
https://ico.org.uk/your-data-matters/does-an-organisation-need-my-consent/I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job0 -
thanks for that but i am not sure that applies. Also, this is just to use your data and not 'share' your data so again do not think it applies.
Its not really clear cut0 -
Ive just had a look at Virgins Terms and conditions and compared it with EE terms and conditions
Virgin have not stated they report to CRA agencies
EE do state in their terms and conditions that they will report to CRA agencies
Therefore i believe it must be stated in your agreement by the lender they may pass your data on to the CRA agencies0 -
Ive just had a look at Virgins Terms and conditions and compared it with EE terms and conditions
Virgin have not stated they report to CRA agencies
EE do state in their terms and conditions that they will report to CRA agencies
Therefore i believe it must be stated in your agreement by the lender they may pass your data on to the CRA agencies
https://www.virginmedia.com/shop/the-legal-stuff/terms-and-conditions-for-fibre-optic-services:J. Your information and how it is looked after
1. Please take time to read our Privacy Policy and our Cookies Notice which apply to the use of your personal and other information by Virgin Media and its group companies but which do not form part of these terms and conditions.
https://www.virginmedia.com/shop/the-legal-stuff/privacy-policy:details of how you conduct your account with us may also be disclosed to the credit reference agency. This information may be used by other organisations in assessing applications from you and members of your household0
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