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Virgin media credit report entries!


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Hi there, just looking for advice before I try to take on the delightful virgin media, I have heard they are tricky!

 

Last week i checked my credit report with experian and equifax before I apply for a mortgage.

I was surprised to see virgin media on there for my internet contract,

I didn't realise they could record data with CRAs for your internet service

but I suppose it makes some sense as I had 12month fixed contract.

 

In any event,

I was concerned they have recorded 3 late payments entries against me earlier this year

and have now been told this will hinder my mortgage app as they are within the last 12months!

 

What i am cross about is that virgin media failed twice to set up my direct debit properly which meant I fell behind with payments!

 

The first time, they took the wrong amount out of my bank account on a direct debit,

I had to file an indemnity claim with my bank and Virgin told me to cancel the direct debit and set it back up again!

 

I went to set it back up again a couple of weeks later and this time they wrote down the wrong sort code so the direct debit was never set up correctly!

What resulted was late payment fees galore,

I had some of these refunded but it seems unbeknown to me they had still marked late payments with the CRAs!

 

What makes me doubly cross is when I settled the account finally a few months later determined to leave them all together .

. They talked me stupidly into moving the internet with them to my new address

and taking out a new 12month agreement which we are now halfway through, paying on direct debit without drama!

 

I feel so mad I want to ring to cancel the whole thing with them tomorrow!

 

I tried to call them to discuss the whole thing when it materialised on Friday

but was on the phone to not terribly helpful agents in India

who accepted virgin had made mistakes but refused to remove the late payment markers.

 

Eventually one mildly sensible American agent agreed it should be looked into

and gave me an email address for consumer underwriting services...

 

I sent an email that bounced back as a wrong address!!

 

I have now written in to complaints team and raised dispute with experian and equifax .

 

. Any similar experiences or further advice ??

 

Is there an ombudsman or regulator I can defer to if no satisfactory response??

 

Thanks S

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if they refunded the PENALTY fees, they must remove the relevant markers.

 

end of.

 

they have agreed they were wrong.

 

ICO might be the eventual decider or the FOS.

 

however I think yu should get this done ok

did you email them too?

 

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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