Default Notice
After being a long standing customer i left Virgin Media in April 2023.
In August 2023 a was send a text by the Debt Recovery firm BPO advising me i had an outstanding bill so i went online and made arrangement to pay. I was surprised that, to my knowledge, I had not received any notification direct from Virgin Media. I have contacted both BPO and FCA and they were both surprised by Virgin's attitude.
At the end of August Virgin Media put a default on my Credit file which has ruined my v good credit file. I have seen lots of other complaints of Virgin abusing their position, not sending any letters out warning you. I have been in contact with Virgin Media to try to sort out but I am now going down the line of making an official complaint and then off to the regulators if i do not get any satisfaction.
My question is are Virgin Media, under the Credit Consumer act legally obliged to send out a 14 day letter advising that their is an outstanding bill? At least you would get a warning of an outstanding bill and be given the chance to remedy.
I am in a lot better position than some who have been affected this way as I dont intend to get credit any time soon but as a matter of principle i will see this through.
Thanks
You can also register a disagreement with the credit file agency, and in my experience they will remove the record it's not justified. I suggest you do that right away.
But yes, VM's accounts department can be really nasty with customers' and ex-customers' financial records. They just don't care what effect it has, or perhaps they do and enjoy it.
