Credit File Report - Missed payment - Virgin rejected
Virgin media notified me that i need to pay my November internet bill on December 15th, as the direct debit had bounced. I tried to make the payment using the manual platform, however the platform kept on rejecting my payment as i was in Nigeria. (my bank has confirmed there was no block on my card for payments - Monzo) I landed back in the UK on the 6th of January, and made the payment immediately. A few weeks later a missed payment marker was added to my credit file, i emailed the creditfileammendment team to make them aware of what happened and to check the evidence of my attempts at payment, and to amend my credit report. They rejected this and said i still made payment after deadline, despite the issue being with their payment tool. This is an unfair stance to make, given the issue is with their platform and there is evidence of my attempts at making payment on December 16th.115Views0likes2CommentsHelp
I moved house in September and called virgin media and this was changed over for me. Since there was an issue with my direct debit. In this time I’ve now realised I’ve not been sent any bills or any correspondence to say there was an issue with my direct debit. To my horror virgin media has filed a missed payment to my credit file! How is this ok when I had no idea my account was in arrears to my knowledge I just thought the direct debit was being taken and everything was fine. To not even have a letter or email to tell my my direct debit is no longer active or even a bill so I was aware my account was in arrears! This is absolutely shocking and when calling to get this sorted the customer service was extremely rude on the phone. Anyone else experienced this? And any advice how to get this removed before taking it further to the comms ombudsman? Any help greatly appreciated.37Views0likes1CommentVirgin 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.2.3KViews1like8Comments