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kaimoo86

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kaimoo86 last won the day on November 17 2013

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About kaimoo86

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  1. Sorry I'm trying to run after my son, I moved in October I have notice start of September. We actually had the keys for our new place 3rd of September I can get proof from our old letting agents when we moved and when we signed the lease for our new place. I'll get the exact dates and send that off to the ombudsman, they did forward our mail to use for a month so virgin didn't send any mail here or to our old address I do know my months of the year, it's my birthday in two months. I have baby brain still See two months, no my birthday is in two weeks time not two months I
  2. Well they could say they sent it, I didn't get any bill I didn't get notice of an impending default which I thought they had to give.
  3. Start of October so should have been no more than 30 days, they told me on the phone they billed me for September when I wasn't even living there
  4. Thanks I'll get onto it, I'll email them a letter asking for it and if no reply I'll write to them. I'll settle the default, no point refusing to pay it out of principle despite the fact I shouldn't owe them a penny. By the sounds of it I'm screwed over either way, I won't ever use any of their services again unless it's a train or plane when there cheaper grrr I'm so mad I can't fully escape them
  5. I really thought we were back on track to buy a house we even have the deposit and a steady income. Virgin shouldn't be allowed to default people's accounts seeing as it's not a loan or credit. I wasn't sure they'd have transcripts from my calls from nearly a year ago! What's an iar? Going to court sounds expensive, I've just finished reading that if I settled the default it might only effect me for two years. I can kind of understand why they might be unwilling to help, I'm sure their are plenty of people who knowingly just avoid paying then give a similar story. I tho
  6. Hello I was rebuilding my credit file, last time I posted I think it was regarding building my credit. Well I got a vanquis card with a £250 limit which was increased to £1000 after six months which was surprising. Okay to the point, last October we moved house but unfortunately this area doesn't support virgin media. I informed virgin media I was moving and gave them my new address so that was okay they said they would be in touch to collect the equipment. It appears that have billed me for septmeber despite being informed I had moved address, they never one wrote to me a
  7. I noticed virgin put a default on my account, I moved from my old address last October to a house that couldn't receive virgin services. Anyway I called told them I was moving they said someone would call to collect equipment no one ever called, apparently I had one last bill of £102 which hadn't been paid that I totally forgot about due to house move and a hectic lifestyle with a one year old baby. I called them and their refusing to budge saying it's what I owe so that's that, they said it doesn't matter i didn't receive any mail at my new address saying I was about to get a defaul
  8. Thanks, I've done a bit more research and it appears after ten months and they have increased my credit limit thats when it'll improve my credit report. Not so bad then, I'll stick to using 25% of my credit and pay off in full and wait till next year. I'm not going to check my credit report again until next December, no point paying for it for another 12 months.
  9. I've just read I shouldn't have used the card at all I only used it because I thought that's what it took to help my history to prove I pay off in full on time. Oops
  10. Hello Okay, so I got my vanquis card I've used 50% of my credit. I checked my credit report it's flagged up 4 new negative factors all to do with my new card, I've had it less than 10 months, my limit is low so viewed as a risk. October my score was 891 it is now 571, it's dropped from 771 to 571 all because I have a new credit account..... Yes I know the scores mean nothing and it's a guide for myself, but is it not a good thing I have one credit account and in fact despite what experian report it does actually go in my favour ? I logged on to experian expecting my
  11. I had a loan with rbs which is statue barred forgot to mention that so that means no to rbs and natwest
  12. I have a Halifax, rbs that are local. I live in the middle of nowhwere, theres around 1500 people in the town I live in. Theres certainly no local banks other than those i have mentioned, braclays is a half hour drive away. All the big banks are near the cities and I live about an hours drive away from both of the nearest cities, I'm in central Scotland
  13. My experian was at 881 before with no credit at all now at 751 after those three searches. So I'm expecting to to be at very good after Feb next year. I'm just happy I'm back on the rite track, I know loads of people hate vanquis but I can't see it being a problem I'm grateful they've gave me a chance and I'll not be stupid enough to use it and not pay it off in full. Well not that stupid again lol Ill update next Feb
  14. Card arrived with a £250 limit, I called to activate it and wow they don't half try and sell you their payment protection plan which I declined but it might be worth getting just in case. I was expecting a limit of £150 but according to the information I've been sent with the card it could be up to £3000 within a year
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