Sukh8701
12 months agoJoining in
Credit Default dispute
Hello,
I’m writing due to an issue with my account. I’m hoping your team can help me with this and would be very grateful for your assistance in this matter.
I was on the phone to your team several times on the 9th May and previous attempts before.
I spoke to a customer service representative about my account, she then asked me to contact BPO credit company to make payment. Before calling them I was put through to the collections team to talk about this matter but was disconnected by what I assume is a technical fault.
I proceeded to contact BPO credit agency but I wasn’t aware the credit company had my account because I didn’t receive any communication from them. They said they are no longer dealing with this and it’s been sent back to virgin. I contacted virgin and spoke again to collections.
Collections had a long look and confirmed that I have not been defaulted and if I make payment all will be fine. However my account is closed but I was out of contract as March 2023. They confirmed no action has been taken and a payment will clear and close my account without any default. They said this may take 4-6 weeks to show on your credit file. I asked him “will I 100% not be defaulted” in which he responded with “you will 100% not be defaulted I can assure of that if you make payment now”. Once I made payment he then confirmed this again and said he will leave this note on my account and read it back to me which said he confirms I won’t be defaulted on my credit report. He then said he will send me an email to confirm I have 0 balance and said this will show you can’t be defaulted.
At that time my credit score did not show a default. However today I looked and there is a default. This heavily affects me as it would anyone and has left me terribly concerned and anxious. I contacted my credit score company and they said there’s a chance it should be taken off but it takes time to show this.
I hope this is correct and this will be removed. Can you please confirm as your staff member confidently and assured me multiple times that I won’t be defaulted.
I have emailed Creditfileamendments
but can someone from your team please help and remove this default?