Hi, was just wondering if i have a leg to stand on here, my parent got virgin media in my name when I was younger, since I was under 18 they were the ''responsible adult'' on the account, I'm 25 now but its been in my name ever since, I moved out a few year ago and I got an email that my credit score had plummeted to the bottom band which is 'very poor', I now have a default now on my account because my parents didn't pay the final sum and I technically owe virgin media £77, is there anything I can do to have it removed from my account since I've never paid for it or was never ''responsible'' for the account? It's really bothering me because I had no warning about this from my parents and now I have a terrible credit score for the next 6 year's potentially
Hi, was just wondering if i have a leg to stand on here, my parent got virgin media in my name when I was younger, since I was under 18 they were the ''responsible adult'' on the account, I'm 25 now but its been in my name ever since,
So who was the account holder? Are you saying the account was in your parents name initially and then was transferred to your name later?
If there is an outstanding balance on the account that has gone unpaid, then regardless of who pays the bills, the account holder is likely to have an entry on their credit file. The only way of removing that is to make a convincing case to email@example.com (with supporting evidence) that the default is invalid.
if the outstanding balance is paid, the default will not be removed but will be marked as settled.
Sorry I should've made it more clear my bad, the account was always in my name, however I was a minor when the account was taken out so I had to give full permission for my parent to take over and handle the account, I did that and they've had responsibility for it since, but yes that's what I was worried about, because its in my name the default will obviously go to me regardless of who pays it, I was just seeing if it was possible to avoid it since the account responsibility was technically on my parents