Incorrect Late Payment on Credit Report
Hi All, Recently tried to renew my mortgage and discovered that Virgin Media have added a late payment marker to my credit file, even though this payment was not late and I had previously been in discussion with Kath on this platform regarding this payment as it was higher then normal for that amount. I've checked my bank records and this was taken inline with my normal virgin media payments. This was in November 2023 and since then I've been declined for a credit card and my mortgage. This is greatly upsetting and is impacting me financially for something that is not my issue. I'd appericate this sorted as soon as possible. I've also emailed the complaint line and will be reaching out to anyone else in Virgin Media about this as its frankly unacceptable that this occured when the payment was not late as it was taken from my account at the same time as all other payments.Virgin Media kept sending me false bills and ruined my credit report!
I had a nightmare with Virgin Media trying to close my account and get back my money for over one year in 2019 to 2020. I terminated my contract with Virgin Media by phone on April 20, 2019. But instead of closing my account as they should have, they left it open and continue to deduct monthly payment from my bank account using Direct Debit for another 3 months(total of £105). I cancelled the Direct Debit in July and raised multiple complaints on July 18, Sep 04, Nov 22, Dec 03, and Dec 10. Every time after a long waiting and explaining to a different operator, he/she would apologised and acknowledge the mysterious error that they can’t explain and promised to terminate and refund my account immediately, which never happened. On Jan 3, 2020, I received another email from Virgin Media asking me to pay a bill of £128.34. So decided to raised a complaint to CEDR. (case no: 588054). It wasn’t really a dispute, as both VM and I agreed that my account should have been closed long ago and the £105 to be refunded. The problem is they never executed it. On Feb 14, 2020, I accepted Virgin’s settlement offer to close my account and refund £105 that it deduced from me after my account should have been terminated. However, Virgin Media did the “promise something but do the opposite” trick again. This time it even hired a collections company to send me a letter asking me to pay £92.09 on March 19, 2020. After re-opening the CEDR complaint again and many hours wasted in explaining, I received the refund cheque of £105 from Virgin Media in May. I thought this torment had ended there. But in 2023 I did a credit check and found that Virgin Media had stained my credit report for 3 months arrear of the bill that was generated completely by their mistake. This is outrageous! I would like to request VM to take off my arrear history immediately and apologise to me.