Showing results for 
Search instead for 
Did you mean: 

Wrongful Default on Credit File

Joining in


I’ve been contacting Virgin Mobile regarding missed payments on my credit file for the past 3 months. Every time I spoke to them they said I did not owe anything and that the team at credit amendments would get back to me and resolve it. All I got from 3 emails was a letter asking me to ring the customer service line. 

Yesterday however, as we were due to re-mortgage, I noticed a default had been placed against me for £14, stopping the re-mortgage. 

I finally got through to another team who assured me that it will be removed, I had to pay £8, and was told a manager would contact me via email to show a cleared balance and a statement outlining what was promised to send to credit amendments. 

I’ve had no such email, it’s incredibly stressful, I was supposed to re-mortgage yesterday, that can’t be done now until this is taken off. I have zero faith that anyone will follow through with there promises. 

I have a voice note of the ladies promises and the amount taken from my bank account. 

The story is a lot longer than that, but I’ve tried to simplify it as much as possible. 


Forum Team
Forum Team

Hello TC7


Sorry to hear of the adverse information reported on your credit file and the problems getting this looked into. We appreciate you raising this via the forums.


We can see from your account that information in regards to this was sent to you today, we'd recommend checking your emails and letting us know if this has been received.



Hi Rob,


Yes I have received the email now. Sorry was stressful yesterday and didn’t get much sleep because of it. Looks like they have resolved the problem though 🙂

Thanks for letting us know TC7 and glad to hear this has been resolved, apologies for the stress caused.