Just received a demand from pastdue debt collectors - old virmin bill

[Zoepaulpenny]

Hello, and good evening members. I hope you can give me some solid positive advice on this matter !

The said letter is the first corispondence i have had from anyone since i left the address in question

 

The letter i have recieved 2 days ago is from pastdue credit solutions based in glasgow.

Important matter account balance £180.33 product virgin cable and broadband,

 

It starts off by saying we have been appointed by virgin media to recover the account balance

It is important you pay this balance by may 30..this will avoid further letters and phone calls from us

 

Now to cut a long winding story short why this balance was not paid when i left the address in question some 5 years ago, minimum.. i wont bore you all with my sob story, im not on BGT lol

But seriously guys, ive had health issues, my solemate passing over, my daughtet is ill and her autistic son is a handfull,

Putting all that aside how do i stand with this debt? I can do without more stress at the moment, and i dont have the finances to pay it.

Is the debt enforcable? Min 5 years old, but i dont think 6. Do i get in touch with them, or do i ignore and play the waiting game, i assume it had been sold on a few times over the years,

So how do i play it, thanks for replys.

[dx100uk]

powerless

ignore

[stu007]

As dx100uk says

 

Also ave a checked of your Credit File to see if this shows:

 

Noodle

https://www.noddle.co.uk/

 

ClearScore

https://www.clearscore.com/

Edited May 31, 2016 by stu007

[fkofilee]

Past due just pester you for a while and then move on...

They arent serious so dont worry...

[Bazooka Boo]

Pastdue are overdue their CCL being stripped off them.

[lookinforinfo]

One of the problems with Virgin is that if you cannot afford their monthly payment and are in arrears, they will not allow you to cancel nor reduce their payments to a minimum-on the

spurious grounds that the account is now locked and the payments therefore cannot be cancelled.

 

So they keep charging you the monthly sum without allowing you access to those programs you are paying for but not allowed to see.

 

 

Because of that Virgin cannot take you to Court [because they would lose] but they think it is ok to farm out the "debt" .

 

Just ignore the letters and don't worry since there is nothing more they can do than write.

 

 

Do not write to them as it only encourages them to send more trash to you.

[Bazooka Boo]

Agreed, Virgin Bledia are absolutely atrocious, they have zero customer focus, skills or care, you are a number to them, nothing more.

 

Start their lethargic complaints procedure, which they will ignore, BUT at the end of the 8 weeks, you are then able to escalate it beyond their biased complaints process, and get OTELO to investigate.

[Zoepaulpenny]

Thanks for all replies . I shall follow the advice given,

 

 

Am i correct in thinking that further on down the line pastdue agency

 

 

will sell the debt on again to another debt agency

 

 

and the process will start all over again ?

[Zoepaulpenny]

One of the problems with Virgin is that if you cannot afford their monthly payment and are in arrears, they will not allow you to cancel nor reduce their payments to a minimum-on the

spurious grounds that the account is now locked and the payments therefore cannot be cancelled.

So they keep charging you the monthly sum without allowing you access to those programs you are paying for but not allowed to see. Because of that Virgin cannot take you to Court [because they would lose] but they think it is ok to farm out the "debt" .

Just ignore the letters and don't worry since there is nothing more they can do than write. Do not write to them as it only encourages them to send more trash to you.

 

Same must apply with sky ? I imagine !

[dx100uk]

Thanks for all replies . I shall follow the advice given,

 

 

Am i correct in thinking that further on down the line pastdue agency

 

 

will sell the debt on again to another debt agency

 

 

and the process will start all over again ?

 

 

Past-a-clue are not debt buyers

if you look

it will say 'our client'

 

 

dx

[Zoepaulpenny]

Past-a-clue are not debt buyers

if you look

it will say 'our client'

 

 

dx

 

Ok thanks. For the clarity.

[Zoepaulpenny]

Another letter came this morning saying despite our repeated requests you have not paid, we really do want to settle this matter.As a gesture of goodwill we have been authorised by virgin media to offer you a reduced settlement of £108.20 if you arrange to pay in full.

 

If you do not contact us and make an arrangement to pay, this offer may become void and we will continue to contact you to revover the full outstanding amount

[dx100uk]

say lots upon how much do you actually owe...

discount letter on a virmin bill...urm..

 

 

dx

[Zoepaulpenny]

say lots upon how much do you actually owe...

discount letter on a virmin bill...urm..

 

 

dx

 

Well they say i owe £180 and want to reduce it to £108 but i am not sure i do owe the said amount.

Over 5 years ago, well it seems they will be writting to me again then

[dx100uk]

well as said earlier

they don't own the debt

virmin do

so are totally powerless

they are not bailiffs

pers i'd ignore them.

 

 

did you check your credit file as advised?

[Zoepaulpenny]

I was half way through noodle credit score, and i came upon loads of reviews slaging off noodle as a [problem] to get you to pay gor the premium service and also saying ever credit score is far lower than it should be, and not up to date, so i left it.

Might pay the £2 for one from experian