Credit File Amendment = Mortgage Withdrawn
I am yet another customer subjected to Virgin Media's unscrupulous credit file policy which is clearly causing mayhem with so many poor families. I cancelled my broadband contract with Virgin in February, and paid an additional sum that month (assumingly the final bill). They tried to charge me again in March and I could not reach anyone to discuss it. Virgin then passed their invoice to BPO who informed me that sometimes the contracts are charged a month in arrears. Unable to reach Virgin I decided to close the matter and paid the sum, still confused as to why it was due. £39 paid 2-months late. I am now in the process of purchasing a home for my family, so my 3 year old can have a garden for the first time in his little life. My mortgage broker has advised us that Virgin have placed a default notice on my credit score and our mortgage has been withdrawn because of it. I have emailed VM's Credit File Amendments team with the details but their 21-day SLA is too slow to salvage our house purchase, which has already cost thousands in searches, legal fees, surveys. I am in absolute utter despair. If anyone has any suggestions, please let me know.Urgent escalation of incorrect credit report needed
Hi, I have always paid my bill via direct debit, in full and on time. Virgin logged a 'default' on my credit report for December 2023, but this is not correct; the January 2024 credit report shows a settled balance of £0 but this doesn't rectify the mistake. Because now I have a missed payment flag on my report which is untrue. After calling up & agents confirmed this is a Virgin mistake, I have emailed creditfileamendments@virginmedia.co.uk with all relevant details but their 21 day reply time is not good enough - I urgently need this matter to be escalated as I have an offer accepted on a property and need to submit a mortgage application ASAP, early next week at the latest. This means that I need Virgin to issue an expedited redaction of the missed charge to Equifax, Experian and TransUnion. This process needs to be started immediately as it is Virgin's fault entirely and my property purchase will suffer if this is not fixed immediately. Please escalate this by the end of the week and make sure that the credit marker is adjusted through the fast (1-2 day) vs slow (3-5 week) process. Thanks for any help from staff reading the forum