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waspie873
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Credit agreements

People this is a warning about watching your credit scores and the lax attitude of Virgin.

In June this year I upgraded (or started to!) one of my mobiles. After receiving the phone I decided that it was not for me and sent it back two days later...CANCELLING the upgrade. All well and good.

In early September as a result of something not concerning Virgin I had cause to check my credit score.....Sitting at the top of my credit history was a new £360 LOAN from Virgin.

This pertained to my Upgrade which was never taken up. Bearing in mind acknowledgement of the cancellation from Virgin was dated 21st June 2020.

To say I was annoyed at this entry on my credit history was an understatement.

Virgin have since written to Equifax to delete the entry but it will still take one month to clear the entry...!!

Their response...." sorry to have caused any inconvenience..."

It did indeed cause me inconvenience but Virgin could not careless.

Be warned...check any dealings with Virgin as regards money matters.

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Anonymous
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Re: Credit agreements

you say " After receiving the phone"
So you did take out a loan with VM for the phone. So it would of been correctly added to your credit file.

VM should of marked it as paid off once the phone was returned. But by getting the phone you had the credit agreement
spgray
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Re: Credit agreements

well they did care, they actioned it as soon as you told them and apologised.
what more were you wanting them to do?

the only person that could have checked for mistakes on your credit record was you.
mistakes happen, it's been dealt with.

it's generally advised that everyone keeps a regular eye on their credit record regardless if they have had any dealings with virgin.

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My Broadband Ping - spgray

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waspie873
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Re: Credit agreements

"VM should of marked it as paid off once the phone was returned"

BUT THEY DIDN'T

If VM acknowledged the cancellation of the 'contract' on the 21st June it should not have appeared on my credit score nearly 3 months later.

I bet they would have soon written to me had the direct debit stopped.

POOR SERVICE...Simple.

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spgray
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Re: Credit agreements

no they wouldn't have written to you, they have have attempted to keep taking the DD payments and when failed your debt would increase and eventually be passed to a debt collection agency.

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My Broadband Ping - spgray

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waspie873
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Re: Credit agreements

"..mistakes happen..."

"...keep an eye on your credit score.." 

"...well they did care, they actioned it as soon as you told them and apologised.
what more were you wanting them to do?

Rolls off the tongue easily...Poor service...sloppy record keeping....copy and paste general reply.

When you comply with agreements/contracts etc you expect the other party to do the same. 

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spgray
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Re: Credit agreements

yep poor service, but the mistake has been rectified.
you got an apology about the inconvenience what more do you require in this instance?

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My Broadband Ping - spgray

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