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  • FIRST POST
    • Mjfender26
    • By Mjfender26 16th Apr 19, 10:49 AM
    • 172Posts
    • 18Thanks
    Mjfender26
    Two wrong updates - virgin media
    • #1
    • 16th Apr 19, 10:49 AM
    Two wrong updates - virgin media 16th Apr 19 at 10:49 AM
    Hey people, so January this year I closed an account with virgin media, in March it still showed as opened and not settled, so I contacted them, they told me it would be updated ASAP.

    April, it was still open, so I disputed it via Equifax, and within a day it was updated as settled in December (wrong), but still January and February it was Ďopení

    I raised a second Dispute, which amended it to be settled in January, this was updated last Friday, as settled in January, and March and April also showed closed.

    Checked my file today, it now shows open again since feb/March/April.

    Now Iím not one to complain, but every time this opens and closes it is adversely affecting my credit file.

    Iíve contacted virgin multiple times and they say theyíll sort it, should I take it to the FOS this time around as it has been reopened and closed 3 times in the past 2 months , meaning itís wrongly updated ?

    Thanks!
    Debt Free wanna-be in a year.
    £15000 debt in October 2017
    £0 in October 2018
Page 1
    • zx81
    • By zx81 16th Apr 19, 10:53 AM
    • 21,736 Posts
    • 23,652 Thanks
    zx81
    • #2
    • 16th Apr 19, 10:53 AM
    • #2
    • 16th Apr 19, 10:53 AM
    It won't adversely affect your file, as it's the same account.

    You'll need to get their final stance on it, or a deadlock letter, before going to FOS (or ICO).
    • Willing2Learn
    • By Willing2Learn 16th Apr 19, 10:54 AM
    • 2,768 Posts
    • 2,334 Thanks
    Willing2Learn
    • #3
    • 16th Apr 19, 10:54 AM
    • #3
    • 16th Apr 19, 10:54 AM
    … I’ve contacted virgin multiple times and they say they’ll sort it, should I take it to the FOS this time around as it has been reopened and closed 3 times in the past 2 months , meaning it’s wrongly updated ?...
    Originally posted by Mjfender26
    Hi,

    If you have not done so already, then make a written complaint to Virgin. Then if they are unable arrive at a satisfactory resolution, you would escalate to the ICO (not the FOS). It is ICO, because the complaint is about information being accurately recorded on your credit file.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • Mjfender26
    • By Mjfender26 16th Apr 19, 11:04 AM
    • 172 Posts
    • 18 Thanks
    Mjfender26
    • #4
    • 16th Apr 19, 11:04 AM
    • #4
    • 16th Apr 19, 11:04 AM
    It’s made an adverse affect because it keeps saying ‘new credit agreements opened’
    Debt Free wanna-be in a year.
    £15000 debt in October 2017
    £0 in October 2018
    • zx81
    • By zx81 16th Apr 19, 11:10 AM
    • 21,736 Posts
    • 23,652 Thanks
    zx81
    • #5
    • 16th Apr 19, 11:10 AM
    • #5
    • 16th Apr 19, 11:10 AM
    It’s made an adverse affect because it keeps saying ‘new credit agreements opened’
    Originally posted by Mjfender26
    But that's not an adverse effect. That's a CRA doing their thing.

    It's not a new account or credit agreement.
    • Mjfender26
    • By Mjfender26 16th Apr 19, 1:06 PM
    • 172 Posts
    • 18 Thanks
    Mjfender26
    • #6
    • 16th Apr 19, 1:06 PM
    • #6
    • 16th Apr 19, 1:06 PM
    ZX81 , I don't think your quite understanding, IT is ABSOLUTELY adversely affecting me.

    My total borrowing is going up, Then down, Then up, Then down, Credit agreements are being added each month, then removed, then re added.

    Meaning my history showing im opening then closing accounts, Also searches are being made against me by them every time they re open it.

    I wouldn't say it was adversely affecting me if it wasn't.

    EDIT: it is a new account and agreement, when its closed, then re opened.
    Debt Free wanna-be in a year.
    £15000 debt in October 2017
    £0 in October 2018
    • Gary_Dexter
    • By Gary_Dexter 16th Apr 19, 1:50 PM
    • 4,125 Posts
    • 2,608 Thanks
    Gary_Dexter
    • #7
    • 16th Apr 19, 1:50 PM
    • #7
    • 16th Apr 19, 1:50 PM
    It's not adversely affecting it - it's a minor PITA if anything - nothing adverse or extreme.

    Write a complaint and if not satisfied by that route then go to the ICO.
    • Mjfender26
    • By Mjfender26 16th Apr 19, 4:26 PM
    • 172 Posts
    • 18 Thanks
    Mjfender26
    • #8
    • 16th Apr 19, 4:26 PM
    • #8
    • 16th Apr 19, 4:26 PM
    Massive PITA indeed!
    Debt Free wanna-be in a year.
    £15000 debt in October 2017
    £0 in October 2018
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