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Credit Report dispute and defaulted

Tuning in
  •  I was a former customer of virgin media at [REMOVED]. It was a rude shock and a great disappointment to have discovered that Virgin Media filed a negative report against my credit score without my knowledge or notification. I have never for once defaulted on my monthly payment of £28 to Virgin Media whilst I was with them (which is in your record). l had always been a faithful customer who have never missed his monthly payments with Virgin Media. 
      From the onset, I was over charged an amount of £65 from virgin media which the customer and the manager admitted to. It was a rude shock to me to have received a message from my mortgage advisor that l owe £51.39. Myself and Virgin Media had been having unresolved misunderstanding and arguments.
     I have so many things to say and write about but my precious time would not allow me. YESTERDAY, 18TH AUGUST 2023, I PAID THE £51.39, AND THE EVIDENCE OF PAYMENT IS ATTACHED TO THIS EMAIL FOR YOUR VERIFICATION.
    I am looking forward to hearing




[MOD EDIT: Personal and private information has been removed from this post.]


Accepted Solutions

Tuning in

Have you raised disputes on your credit files online!

I signed up last month and these clowns haven’t ported my landline yet despite numerous attempts via phone and email. I’ve put disputes on all 3 files as they ain’t getting paid the first month for something I’ve not had 

See where this Helpful Answer was posted


Forum Team
Forum Team

Hi @Deroyal1984 thanks for posting and welcome to our community.

I am sorry to hear that your credit file has been incorrectly negatively impacted.  And I am sorry for any inconvenience this may cause you. I would like to take a look on your behalf. I am going to send you a private message. Please keep an eye on your inbox in the top right of your screen.



Tuning in

Have you raised disputes on your credit files online!

I signed up last month and these clowns haven’t ported my landline yet despite numerous attempts via phone and email. I’ve put disputes on all 3 files as they ain’t getting paid the first month for something I’ve not had 

Hi @martin1123 thanks for posting.

Sorry to hear your credit file has been negatively impacted.  I can see that you're currently liaising with my colleague Nathan on another thread.  I will therefore leave you in his very capable hands.  



I will still come back and tell you give us the privilege that we have never missed our monthly payment, please go through the statements ,it was when we left the former house and we are to return the box, the issue started because no one told us anything about activation fees ,even when we left in May 2022 we still pay up till July 2022 without using WiFi because we left  the house and we left the box with our sisters ,it was when they moved out out in May 2022 and we called your service the problem started.  We moved out of the former house January 2022 and we are using another service because our sisters were in the former house. We still paid for the July and June without using your service WiFi, because we returned the box May 2022.
Come to  think of it ,no one told us activation is charge and being a new customer with your product we thought you have over charged us because our new service activation was free. 
Virgin media now used  power against us (faithful customers who has never missed monthly bill) because you have access to credit agencies.  Come to think of it ,is your service built to punish faithful customer  or to get more referral and expand.
Virgin media went at our back to report us to credit agencies without notifying us, you left us with scar, you stabbed at our back and we gave you our own sweat (money) and you return to us with pain and scar that is forever their. Please we are not okay with satisfied but to remove the default permanent,  is it because of £51.39 that have also been paid you want to ruin someone credit score come to think of it, is not that the person use the WiFi and he didn't pay. WE HAVE NEVER MISSED  our monthly charges. Be merciful with your judgement, please and please. Thanks ...looking forward to hearing from you. 

Joining in

@Lee_R I’m in a similar boat… after making 3x two hour phone calls where I was put on hold REPEATEDLY for 30 mins or more and told my account couldn’t be cancelled, I stopped my direct debit and switched to BT. Virgin left it six months (the time in which they manage to erase any record of my phone call - how convenient!) and then chase me for £380 for a line I had cancelled and which I had not used. I disputed this with the ombudsman and won compensation, but my account was reactivated and a bill was produced (as well overdue) and sent directly to debt collectors with the corresponding debt collector trace you describe. I do not owe Virgin a single penny. Now Virgin has left a tracer on my near perfect credit record just because I tried to cancel my account (how dare I) and won a case against them with the ombudsman (again, how dare I). How can a company be allowed to get away with this? Surely it’s illegal? Unless I hear back within 24 hours that the trace has been removed from my credit file as requested via equifax account query 230825-2603695, I intend to pursue legal action in as public a forum as I can and I’m sure from reading the threads on here I will have a ton of support from other disgruntled ex customers: this is the kind of thing that attracts punitive damages in Court. It’s a disgrace.

What goes around comes around, they will sure pay for it,all the staffs involved. Knowing them is a great regret of my life,it is a lesson for me to tell new Residents in the Country to watch out, including generations to come.

Hi @NicolaW73 thanks for your post here in the Community although we're sorry to hear of the concerns you've raised here.

We would advise due to the issues that you've raised, to please email and they can investigate this further for you - they should be able to get any default removed from your credit report due to the issues you've raised.

We hope this helps.

Many thanks


Dialled in

VirginMedia support / billing are a joke. I dislike dealing with them when contracts are due.

They have just messed up again so I'm going to cancel my DD until they sort it out

Hi simonbt


Thank you for your post and welcome back to our community.

I am sorry to hear there has been an issue when contacting the team recently.

If you could kindly expand on whats happened, we will do all we can to help.

Please pop back to us when you can. 

Vikki - Forum Team

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