on 10-02-2023 16:16
I’m going for my first ever mortgage and to my surprise I have found a default on my credit file.
I cancelled my Virgin when I moved in 2020 and was in credit, I was told that i would receive a refund by cheque. I never did and assumed everything was ok. Fast forward a few months and I discover on my credit file 2 late payments. I immediately paid it without querying as it was only £32 where normally it cost £49 monthly which made no sense but I couldn’t be bothered with the hassle of querying mid pandemic.
I have today downloaded my credit file for my mortgage broker and it shows as a defaulted account which has severely impacted my credit score. I have a perfect payment history on everything and never ever miss payments and never did when I was a virgin customer either.
Clicking on it further it to expand the payment history and I can’t make any sense of it at all. green tick against the last £49 payment, then a green tick against the next month as £0 (assume this is because the account was settled), then a green tick against £32 then two months of apparent missed payments and then at £0 again where it is marked as defaulted. It makes no sense at all and I really need this default to be removed as I will not get a mortgage and my son and I will be effectively homeless as my landlord is selling.
I received no communication from Virgin in the first place about the £32 and found out by fluke. I really don’t know how I can have a default for a bill I was never sent on a service that I wasn’t even receiving and I supplied my new address and you guys also have my phone number.
I have been in floods of tears today with savage anxiety as I’m essentially in real trouble now. It’s a share to buy property and they never come up in this area so it’s not a case of just finding another house if this falls through.
I was hoping to become a virgin customer again in the future but I doubt I’d even pass your credit searches now and the Virgin default is the only bad thing on my file.
please can someone help with this?
thanks
sam
Answered! Go to Answer
on 10-02-2023 16:50
Hi Sam
Thanks for posting and welcome to the community.
I am sorry to hear of the credit file dispute and certainly understand the importance of getting to the bottom of this especially if you're applying for a mortgage. I'll send you a PM now to assist further.
Best wishes,
Need a helpful hand to show you how to make a payment? Check out our guide - How to pay my Virgin Media bill
on 10-02-2023 16:50
Hi Sam
Thanks for posting and welcome to the community.
I am sorry to hear of the credit file dispute and certainly understand the importance of getting to the bottom of this especially if you're applying for a mortgage. I'll send you a PM now to assist further.
Best wishes,
Need a helpful hand to show you how to make a payment? Check out our guide - How to pay my Virgin Media bill