Default account: what shall I do?

pushpull

Caterpillar22 said:

MorningcoffeeIV said:

2 would absolutely be the better course of action if you're looking for a mortgage.

Disregard all the pandemic content. It's not relevant.

Would it be correct that if I pay it now it will break statute barred period and would trigger another 6 years for it to disappear from my record?

Please don't get me wrong, I would like to pay it off if I was sent a clear communication 'pay or your account will go into default' letter. Any merit in taking the matter to Communications Ombudsman / Financial Services Ombudsman?

Thanks 

Why would you take it to an ADR?

All correspondence was sent to the agreed correspondence address. The onus is on you to let Virgin know that you need to cease the service, as per the T&C's.

Caterpillar22

pushpull said:

Caterpillar22 said:

eskbanker said:

Your original post covered events after October 2019 but my point was that if your Virgin account was already sufficiently in arrears to be defaulted by then, it doesn't seem likely that they'd be sympathetic to attempts to blame the pandemic which started the following year?

yes, my account was sufficiently in arrears for exactly £33. Yes, Virgin kept on sending reminders to my work place which was not the forwarding address nor was the address provided to them and was probably grabbed off the web contrary to many provisions of GDPR. Yes, I first became aware of the debt in 2021 upon which I made a contact with Virgin and by which point they defaulted my account for the entire balance of 33 quid.

So where did they get the address from then? And you don't deny that the address they were sending it who was a valid contact address?

Great to see a Virgin employee lurking here.

I will try to respectful and patient but please read my lips - my correspondence was sent to my employer's address in the UK, which I had no access to as I was abroad until September 2021. Put differently, Virigin DID NOT send correspondence to the address which they were advised as the forwarding and were sending correspondence to my employer's address which was never provided to them and was probably googled (I work for a large public sector organisation that routinely publishes name of its employees). 

So, in answering your question, I had no access to the correspondence, which was sent to the address not provided as a valid address for myself, during the period (2019-2021) in which my account was defaulted.

Caterpillar22

pushpull said:

Caterpillar22 said:

MorningcoffeeIV said:

2 would absolutely be the better course of action if you're looking for a mortgage.

Disregard all the pandemic content. It's not relevant.

Would it be correct that if I pay it now it will break statute barred period and would trigger another 6 years for it to disappear from my record?

Please don't get me wrong, I would like to pay it off if I was sent a clear communication 'pay or your account will go into default' letter. Any merit in taking the matter to Communications Ombudsman / Financial Services Ombudsman?

Thanks 

Why would you take it to an ADR?

All correspondence was sent to the agreed correspondence address. The onus is on you to let Virgin know that you need to cease the service, as per the T&C's.

And thanks for suggesting ADR too. A suggestion: nothing encourages more than someone trying to discourage you from doing something.