Dispute credit report states default account for Virgin - completely incorrect

Did you actually receive a confirmation in writing or by email of the date that the account was to close?

Did you pay up until that date?

Not that I am aware of. I spoke to a representative over the phone. I don't understand why there was no correspondence. Why was there no correspondence about whether there was a missed payment for ANYTHING? This could have been dealt with efficiently if someone had phoned me, emailed me, or sent a letter in the post.

The usual method to query allegedly inaccurate entries on credit files is to email creditfileamendments@virginmedia.co.uk with evidence of the inaccuracy.

In your case of an account closure issue, compare your final bill(s) against your bank payment history. You should have received a final bill upto 45 days after cancellation, with final credits/debits on it.

Ya, no final bill that I am aware of. I had my mail forwarded to the new address but received nothing from Virgin. It still would have been great for them to ring me or email me rather than flag this as a delinquent account if that was the case. 

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Sjwallace116 wrote:

I left Virgin in August 2023. I called in advance to close out my account, but since I was under contract, they told me the fee would be roughly the same as keeping the service live for another couple of months. I kept the direct debit open and can see two additional charges for September and October. I applied for a load recently and was denied. I checked my credit file, and it shows that I defaulted on my Virgin Media account 9 months ago for 60 pounds. I don't think this is correct. I never received any bill, paper or electronic, and no phone calls or voice mail. I can't believe that Virgin would handle things this way, and from the forums, this has happened to many people. I need this fixed as soon as possible. Who can help me in this regard?

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Hi Sjwallace116 

Since you didn't receive a final bill it may be that the actual account wasn't cancelled. 

There is a 30 days notice period when cancelling an account, although VM can accept up to 60 days notice.

Did you actually give your cancellation notice in when you called in and ask VM to close the account on X date?  If not the agent will not have put a cancellation request in, although they may have noted the account that they had advised keeping the service live for another couple of months would work out about the same cost wise.