Credit file amendment team - KMM128462350V98136L0KM
Hello team,
Kindly prioritize Request#KMM128462350V98136L0KM
I have a mortgage on hold due to this and wa confirmed, repeatedly, that I have no outstanding balance.
Forum Discussion
The credit file amendments team work on a 21 day turnaround. You need to email the team on creditfileamendments@virginmedia.co.uk.
Hi oiorga
Thank you for your post, welcome to the Community Forums.
I'm sorry to hear you're still awaiting a request to be actioned. As newapollo has advised, the Credit File Amendment Team are on a 21 day turn around and we're afraid that it's not possible for us in any way to expedite a response from this team. I can only apologise about this and for any inconvenience this causes with your mortgage application.
@Beth_G and @newapollo,
A few additional questions:
- Are the 21 days including weekends?
- On Twitter I was told they need 30 days "to clear this from your credit history" - will my credit history be cleared after the 21 or 30 days?
- ill I be given a status update or any form of communication from the Credit File Amendment team during the 21 days?
Hi oiorga,
Yes, you should hear back within 21 days of making the query so this will include weekends.
Once the team pick up your mail, If an amendment is needed, we'll send the amendment request across, however Equifax, Experian etc update on their side every 30 days, so we must advise customers they may not see the amendment for 30 days.
To clarify, it can be up to 21 days for the team to respond to your case, then a further 30 days if an amendment is made for this to reflect on your credit file.
You should receive an automated response to confirm receipt of your email; however, I don't believe anything further is sent until they pick up and work your case.
If you have any further questions, please let us know and we'd be happy to help.
I am calling about this constantly, but can't reach a relevant team.
After being told that I have nothing outstanding for almost a year (including yesterday at noon), now it seems that I actually did have an outstanding invoice.
Should I pay it with your credit/billing/collections teams or wait for a reply from the Credit File Amendment team?
Nevermind, got a reply, made the payment, confirmed with the Credit File Amendment team. Now I'm just waiting for them to see the payment on their end and take the action.
Last question and I'll be out of your hair: if I actually have zero outstanding balance on my account now, will the Credit File Amendment team be able to clear all past months Default credit status on Experian and Equifax's reports? I have a few past months in that status.
The reason for this is that your callcenter agents have been telling me repeatedly I have nothing to pay (up until yesterday, around noon). I have fought off the credit recovery companies telling them they have their information wrong and Virgin told me I have nothing left to pay. I had a direct debit to you people up until the end and expected literally nothing left to pay, as I was told.
Now I'm trying to get a mortgage for a house, I cannot describe to you how imperative it is to get all of this cleared as soon as possible. All meaning all Defaulted months.
Hi oiorga,
Thanks for coming back to us on this one. This isn't a question we can answer I'm afraid and it should be directed to the credit file amendments team. They'll be able to advise on that.
From experience, a credit file has to truly reflect what has happened so if a default has been registered, they won't remove the default however they will update it to confirm the balance has been paid and the default is 'satisfied'.
The credit file amendments team will be able to confirm further on that for you.
Many thanks,
