Good day Sir / Madam
I hope this email finds you well. I am writing to you today to discuss my account [REMOVED]. I received a letter today claiming my account was 2 months in arrears which i found alarming. I have always kept all payments on all accounts up to date.
After speaking to customer services I have now got to the bottom of this and realised there has been a misunderstanding between myself and Virgin and that the account in arrears is due to an honest Mistake. i will explain below
Last year I received an email stating my account from Virgin for my Sons mobile phone contract is switching over to O2. Once everything had switched over I then cancelled the Virgin direct debit, Unbeknown to me the Contract had been split into 2, this is very confusing ! it turns out the payments for the handset itself are still with Virgin and the Phone Tariff service is with O2 , this was never explained to me and now I am 2 months in arrears for the handset (Iphone 13) , I have cleared said arrears and re set up the old Direct Debit again , My concern now is my credit report , I take great pride in my credit report and have never missed a payment in over 6 years , please could you remove the late payment mark on my file as the cancellation of the direct debit was a mistake. if you have any questions please contact me
Kindest regards
[MOD EDIT: Personal information has been removed from this post.]
