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    • Stop worrying about bailiffs and read what dx100uk  has posted  ..........................................................
    • The two companies are lowell and cabot.   I'll get the information and come back with it.   I did do quite a bit of 'Google' research before coming on here. There's a lot of confusing information out there they seem to tell you half the story.   Just so I'm clear. Bailiffs in my situation, if authorised by a court. Can enter the property through an unlocked door and seizure goods? Or can they not do that with a consumer credit ccj? Or point me in the right direction so I can read up on it.   Thank you for your help. It's good to finally speak to somebody who tells you how it is.
    • I've just acknowledged the claim and im reading up on how to do the cca and cpr requests now.   Thanks for all your help         Edit:   I was jus reading the cpr 13 template and it says i am requesting: " (template removed - dx)
    • Hi dx   Post 23 letter has been hidden as has a name in it. I did read the thread and in post 7 saw mention of 'must complain within 3 years of being aware it was mis-sold' if this is what you are referring to? Also my policy is live currently.   I think you know this, but it seems the RBS/Halifax agent doesnt know, that 'I became aware it was mis-sold just before I raised my claim (2019) having read a media article'  as I dont think the PPi team showed them the original claim form maybe, who knows.   Expanding, sorry I missed the word PPi after 'loan' in my post you quoted and highlighted. To be clear, the life protector was not for a loan, but a mortgage, and that mortgage did have a mis-sold PPi on it which they have admitted and refunded.   If it helps, I have several mortgage offers here from 1999 and they say 'Minimum life cover to be assigned to the bank'    The odd thing here is, I started the mortgage and PPi in 1999 but it was 2003 this life assurance started. I do categorically recall being told it was something I had to have though.   Many thanks   E 
    • MP's are good for other things but for some reason are not very good for Council Tax.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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      • 33 replies

Virgin Media 11 year old debt


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hi everyone

 

i applied to VM for their broadband service a couple of weeks ago and didnt hear back from them. I gave them a call today and spoke to a customer advisor who informed me the reason i have not recieved a contract from them is due to the fact that i have an excisting debt owing on the account from 1997 of approx £100.00 and this is from a previous address where i lived 11 years ago. I told her i was flabbergasted at this and assured her i didnt owe any money to her company but she said they would not be able to re-instate me as a customer until the debt was cleared.

I queried why i had not been asked for payment over the last 12 years and she informed me that Wescott Credit Services had bought the debt but had not acted on it.

She refused to act any further on my account until i have paid the sum owing ( i have not admitted that i owe them money as i really dont think i do ) to them.

where do i stand?

 

kindest regards

David

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I personally would not touch Virgin Media after discovering the connection with Credit Solutions ltd.

Edited by kurvaface
oops.... missed the "not"
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don't think VM or even NTL/T+W existed then?

they were still al little co's that had not been brought up together to form ntl/tw?

 

seems a bit strange to me

though what they have on their internal records is up to them.

i'd fire off an SAR and findout what this is all about

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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don't think VM or even NTL/T+W existed then?

they were still al little co's that had not been brought up together to form ntl/tw?

 

Telewest started back in the mid 80's, NTL early to mid 90's.

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i remember getting cable tv from anglia cable in mid 94

i thought it went ntl 96/7, this seems to comfirm it.

 

ntl:Telewest Business - ntl inc history

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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They changed their name to NTL then but were running from '93 according to that page.

 

Either way I'd like to hear why VM are in breach of the Data Protection Act as they are clearly holding on to information for longer than is reasonably required. "Personal data processed for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes"

 

 

Or will they claim it was necessary? How long do they think they can hold on to the data for?

Edited by PeteT
Everything went a little "bold" oops
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  • 2 weeks later...

hi my wife has had the same problem with virgin. what happened was we signed up for virgin and they did a credit check, all ok, were given an installation date. in the mean time virgin cancelled my bt line and aol broadband, (i cancelled sky.). my wife phoned virgin to see if they could install it any earlier, the girl told my wife that it wasnt being installed as she owed £126.64 from 1999, my wife panicked and paid the money. then we where given a new installation date. is this against the law, she is mortified that she allowed virgin to cancel everythink, and we could have been left without,phone, tv and broadband. i am disabled and we need the phone and that was the only reason she paid. i am now wishing my life away till next june so i can get rid of these cowboys. scouemonk

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Thats a difficult one - the debt is most likely statue barred, so they can not force you to pay the outstanding debt before providing service..... however they may be able to refuse you service based on your previous account handling. I'd read through the T&Cs that you had access to before you signed up and see if there is anything about outstanding debts - if not, then I'd be kicking up a stink with them.

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thanks pete. we signed up over the phone and then was sent an agreement to send back to them. i will read through my copy and let you know whether it says anything about former debts. regards scousemonk.

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hi pete. just read the junk that came with the agreement. it is just your run of the mill cca. no mention of debt. it does say that a credit check will be made and services are supplied subject to status. i have there legal department address so will try and get a properly worded letter together, have they breached any rules.? regards scousemonk

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