False reports

Hi 

i use clear score and I’ve seems that virgin mobile has put 4 months of arrears on my report bringing my score from 600 to near 300 and I don’t owe them anything I left them October last year and I paid my last bill off 

they’ve told me to email credit amendment but they will respond in 21 days 

Why are they sending false reports and can they get done for this ? I’ve asked for compensation too 

Replies

  • edited 16 February at 2:55PM
    MorningcoffeeIVMorningcoffeeIV Forumite
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    edited 16 February at 2:55PM
    natbradx said:

    Why are they sending false reports and can they get done for this ? I’ve asked for compensation too 

    Because errors can not be legislated against, no matter how much you threaten to 'do' someone for it.

    As long as the error is corrected, you don't need to worry about your missing 300 points.  You'll probably never see them again, but you never really had them in the first place.

    Don't get your hopes up for compensation.
  • CliveOfIndiaCliveOfIndia Forumite
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    As above, really.  Errors do happen, it's an unfortunate fact of life.  And whilst your score is neither here nor there, it is important to get the incorrect arrears removed from your credit file.
    As long as the data is corrected then I think you'll struggle to gain any compensation, as you've suffered no direct financial loss (unless it can be proved that you've been offered a less favourable rate on a loan, for instance, as a result of the incorrect information).  They may be prepared to offer a small goodwill gesture, but compensation as such is only warranted in cases where verifiable and quantifiable financial loss has been caused.
  • MEM62MEM62 Forumite
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    natbradx said:
    i use clear score and I’ve seems that virgin mobile has put 4 months of arrears on my report bringing my score from 600 to near 300 
    Its a good job that the score is meaningless then.  
    natbradx said:
    I don’t owe them anything I left them October last year and I paid my last bill off 
    In that case, you have nothing to be concerned about.  
    natbradx said:
    Why are they sending false reports and can they get done for this ? 
    A mistake perhaps? 
    natbradx said:
    I’ve asked for compensation too 
    Why?  What losses have you suffered?  
      
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