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kirstyking1
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Credit default

hi, I need someone’s help ASAP! I have contacted creditfileamendments@virginmedia.co.uk by email ,regarding a default payment which is on my credit report. I had a response but they are saying they cannot find me on the system. I’m trying for a mortgage and I have this default on my credit report which has failed me to get accepted for a mortgage. Going back over 5 years ago,I got a virgin media box in my bedroom with my ex, in my mothers house household. We then broke up, she told me that she had paid off the bill, as it was coming out of her bank account , but in my name , which to my acknowledge was sorted. But to find out today when looking at my credit score, I have a default on my account which is now affecting me getting accepted by any lenders. I had no correspondence from yourselves to make me aware of this at all, its only £94 , I would of paid it straight away if I had only had a letter from yourselves. can you help me ASAP please! Without your help I can not sort my credit score out and will not be able to have a house. 

many thanks,

kirsty king

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John_GS
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Re: Credit default

Hi @kirstyking1

 

Thanks for posting and welcome to the community. 

 

in relation to the billing, any letters of outstanding debt would be sent to the account address unless the address was updated when you moved out?

 

I am sorry to hear of the personal situation. I'd advise giving us a call on 0345 142 4444, getting the bill paid with the Collections team. They'll then issue a 'satisfied debt' report to the credit reference agencies to show you've paid your outstanding bill. This can take up to 30 days to be seen on a credit file. 

 

Kind regards,

 

 

John_GS
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Need a helpful hand to show you how to make a payment? Check out our guide - "How to pay my Virgin Media bill"

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kirstyking1
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Re: Credit default

Hi John,

This is is exactly where I’m coming from , the address the box was, I stayed at, and I currently still live at the same address, I had absolutely no correspondence from virgin media to tell me that I owed any money at all. Iv never owed money or been in dept in my life ,always paid my bills on time,  until finding out this is on my credit now. As I said yes, it was miss communication on mine and my ex partner’s behalf, me gullibly  thinking she was paying it when I was sending her the money, but this is massively on virgin media’s behalf also, I should of had letters or a phone call to let me know.

I have paid the balance of £94.42 yesterday on the phone, on the number you just gave, to get it as satisfied on my credit report, but I’m still trying to fight my case against virgin media to put it down as there error, as I’m now finding out nearly 6 years down the line about this and it’s affecting my living so much. 
Please help me more than this.

many thanks,

Kirsty King

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John_GS
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Re: Credit default

Thanks for coming back to me. 

 

There's no further help that can be offered I'm afraid. It is a customers responsibility to monitor their own bills and whilst I fully empathise with you with the situation, we've done everything correctly.

 

Kind regards,

John_GS
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Need a helpful hand to show you how to make a payment? Check out our guide - "How to pay my Virgin Media bill"

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