consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit-- Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki


Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



The new Consumer Directory
search the web, shop online, looking for gift ideas?
Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
The new Consumer Directory
search the web, shop online, looking for gift ideas?

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Hold the Front Page!!
News updates
The Consumer Forums front page
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> Broadband and other Internet issues


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 14th March 2008, 00:53   #1 (permalink)
sutton6344
Basic Account Customer
Default Virgin Media default

Hi all,

I'm lookingto get a default from Virgin Media removed from my credit file.

I sent CCA in September 2007, I have only just recieved a telephone call last week after emailing their CEO and copying in Information Commissioners Office, OFT, Trading Standards, I've sent copies of letters to CEO's office!

I would appreciate any advice to get this removed from my credit file.

Thanks
sutton6344 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 16th March 2008, 23:46   #2 (permalink)
sutton6344
Basic Account Customer
Default Re: Virgin Media default

I have just recieved a reply(it's only taken6 months)

I made a CCA request and they replied that if I am disputing the debt I need to send five utility bills from 2005.

Obviously Im not going to provide this even if I could, just sent them another letter to reread my original letter.
sutton6344 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th March 2008, 23:45   #3 (permalink)
Fully_charged
Basic Account Customer
 
Fully_charged's Avatar
Default Re: Virgin Media default

Send any letters recorded delivery.Did you have any late payment charges on the account?.
Fully_charged is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th March 2008, 00:08   #4 (permalink)
sutton6344
Basic Account Customer
Default Re: Virgin Media default

Yes I've sent all letters recorded delivery................. .

I don't know if there's any late payment charges as they haven't responded to the CCA request.

This will be irrelevant if the advice in this thread is accurate.

I have emailed the CRA's and it's fingers crossed time.........

Default on Credit File only after 1 month - NTL (Virgin Media)
sutton6344 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th March 2008, 00:21   #5 (permalink)
Fully_charged
Basic Account Customer
 
Fully_charged's Avatar
Default Re: Virgin Media default

My thought is CRA's cannot remove any information from your credit file, they merely store information.

The reason I ask you about the charges is because if you plan to go to court then you are better of tying in the default removal with refund of charges similar to bank charges. My personal experience is that the judges are a bit stuck themselves when it comes to default removal.
Fully_charged is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th March 2008, 01:37   #6 (permalink)
The GodMother
Platinum Account Customer
 
The GodMother's Avatar
 


I am in: Happy Christmas and Happy new year
Posts: 6,676
The GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother Authoritative
Default Re: Virgin Media default

A cca DOES NOT comply to telephone, mobile or fixed, internet or tv contracts.

even tho when VM do deafult you they say it is under the consumer credit act 0f 1974 non of this applies.

Check out my VM thread for anything you want to know about this as i have a thing with them ATM

Virgin Media.

Last edited by The GodMother; 25th March 2008 at 01:41. Reason: adding the link
The GodMother is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 26th March 2008, 11:08   #7 (permalink)
sutton6344
Basic Account Customer
Default Re: Virgin Media default

Hi Godmother,

I've just read your thread.

Hope you get it sorted.
sutton6344 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
Default on Credit File only after 1 month - NTL (Virgin Media) jaymale Debt Collection Industry 10 22nd April 2008 16:02
Virgin.Mobile /Virgin.Media I need Help And Advise Please ! Delta.Pete Telecoms - mobile or fixed 5 6th February 2008 20:02
Default from Virgin Media (EX-NTL Telewest) and Moorcroft Debt Recovery JudoStu Debt Collection Industry 6 15th January 2008 14:02
Virgin Media lemma1968 Debt Collection Industry 14 5th November 2007 21:52




The new Consumer Directory
search the web, shop online, looking for gift ideas?

Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.