Credit rating ruined - facing financial hardship - advice needed
Hi community
Can anyone give any new/updated advice on how to get Virgin Media to remove “late” payments from your credit report? We have a common story to many others - we cancelled our account
and direct debit in January, they claimed we didn’t, we complained, they didn’t acknowledge our complaint or clarify what we owed, they marked my credit report with adverse (late payments) despite us ending up paying all of the different amounts they kept charging us. Our account is now in credit (!) despite us eventually getting them to cancel the service and close our account, they won’t respond to my escalated complaint nor my request to remove the adverse marking from my report.
I’m sick with worry as we are about to have to go on a SVR mortgage and will have to pay thousands extra per annum due entirely to their faulty processes and truly awful customer service. They still have long deadlines for response to complaints etc (and often don’t meet them).
I have submitted details of our experience to the OFCOM investigation. Will escalate through the Communications Ombudsman shortly but am holding out little hope as they have such shoddy, unprofessional commercial practices.
Any advice gratefully received, particularly from
those who have been successful in getting their adverse credit marker on their credit report removed.
Will consider legal action - if anyone has had any experience of engaging a solicitor to deal with issues such as these please let me know.
Barbara