I closed my account over 3 years ago, and settled my account. I even received a cheque from virgin media in December 2020 for £23.44 as they incorrectly calculated my final bill. Which clarifies that my account was more than settled. I called virgin media on 17.02.2021 and was advised that I have no open account or outstanding payments.
However a default has been added to my credit file. This is negatively affecting my credit. I would like it removed.