Virgin mobile non-defaults

Jim3891

Hello, just wanted to make sure I should be able to get a pair of accounts off my Equifax file.

They are from 2012 with Virgin Mobile and no payments have been made since 2012 when I had severe financial difficulties.

Have managed to clean up my file but these are still hanging about.

I have never been defaulted by them however with my record showing 6 months late payment since 2014.

It shows the accounts opened in 2012 but reporting only seems to start from mid-2014.

I was going to use Resolver but seems Virgin no longer working with them so If I write to them claiming they are statute barred and should have been defaulted 8 years ago and therefore no longer on my file will that be sufficient?

Thanks,

James

[Deleted User]

Never use Resolver. You want your complaint to get to the right place.

Just write directly.

Willing2Learn

The account is most likely Statute Barred.  Drop a letter in the post to them.


If you wanted, you could use the letter template below:

https://www.nationaldebtline.org/EW/sampleletters/Pages/Time-has-run-out-to-recover-the-debt-%28sole-name%29.aspx