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lj97
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Removing a default from my account

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

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japitts
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Re: Removing a default from my account


@lj97 wrote:

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 creditfileamendments@virginmedia.co.uk (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.


@lj97 wrote:

 but its been in my name ever since, ....since I've never paid for it or was never ''responsible'' for the account?


It may help to be clear on the account holder as per my comments above, but on the face of it - if an account is in your name, then you are responsible for it. Who pays for it is a separate issue.

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Ashleigh_C
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Re: Removing a default from my account

Hi there @lj97

 

Thank you so much for your first post to our community forums and welcome to the team! It's great to have you here. 

 

I am so sorry to hear that this has happened and I can fully understand the difficult predicament this has left you in. 

 

I'm going to pop you a PM now so we can look into this together and see what we can sort.

 

Please keep an eye out for the purple envelope in the top right corner of your screen alerting you to a new PM. 

 

Thank you. 

Ash_C
Forum Team



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lj97
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Re: Removing a default from my account

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

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Steven_L
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Re: Removing a default from my account

Thanks for coming back to us @lj97, if you could reply to my colleagues private message, we can get this looked into further for you.

Regards,

Steven_L

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