My partner had a virgin contract then moved house, now there was a 3month gap where she had to move into her parents house, then wanted virgin in the new house in 3months.
Virgin said this wasnt possible so tried to charge a £260 cancellation charge. She disputed this but in the mean time a default for the £260 was added to her credit file.
She has contacted them and since paid the default as we are trying to get a mortgage. They said:
"We have asked experian and equifax to remove the late payment references and default from your credit report. Once updated late payments against your VM account will be shown as paid on time, any outstanding balance will be removed and the account shown as settled.
My question is, will they definitely remove the default as they said in writing, or is this just show it as settled?
And if so how long should it take? We cannot get a mortgage with this default at the min, and if we do its going to be a rubbish mortgage rate, costing us £400+ per month extra 😞