I am hoping someone can help me here. Virgin applied a default to my credit file a few months ago which I was unaware of until I had my mortgage application rejected.
Virgin have agreed this was an error on their side and are cancelling the fee which I assume will eventually update my credit score. I have emailed the credit file amendment team but a 28 day response means we will lose our mortgage and the house we are supposed to be moving to. All I need is a letter I can show to the mortgage lender on headed paper confirming that the default was an error and will be removed.
Can you please reply to my private message - I still have not received either an email or letter confirming Virgin's mistake and have now lost out on the house we had offered on. I had a deadline of today to get a mortgage offer which is clearly not going to happen now.
This is extremely urgent as if we can't get a mortgage due to Virgin's error we will be stuck in a very difficult position
First off apologies for starting a second thread but it seems to be the only way to get a response.
On my last thread I explained I was unable to get a mortgage due to a credit file default from Virgin, I won't bore you with the details but this was a long running saga from March last year which ended in me getting a letter confirming the error on Virgin's side and being told it would be sorted. Little did i know the incorrect charges were not corrected and instead I have a default on my credit file - I found this out when I realised I cannot get a mortgage anywhere!
Ayisha_B did respond to me and confirmed a letter would be sent to me and also an email to confirm the error was Virgin's and my file would be corrected - this is what my lender required to move the mortgage forward. Since responding on the forum I cannot get hold of her at all so I am trying again.
PLEASE PLEASE assist me with this as I have already had one house fall through because I cannot get a mortgage. Your own representatives confirmed to me verbally on Wednesday that there was no fault on my side.