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
