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    • Thanks, @FTMDave for your feedback, I will take your points on board. I was using the title "Mitigation" in an attempt to convey how reasonably I have behaved, and how stubborn and overzealous (i.e. unreasonable) the claimant and their solicitors are. Any suggestions for a more appropriate title ? Cheers --skeet23
    • Hi guys   4 old debts (catalogues) have been sold to Lowells, I requested copies of credit agreements and received them this week.  I also received a notice of assignment from them for an old Vanquis account.  I need to pay these debts off but don't want them touching my bank account so was thinking of setting up a standing order.  I guess I will have to send them details of income and expenditure.  My question is, do I need to give my husband's details?  We are not really getting on at the minute and this will be the last straw for him so I would rather just leave him out of this.   Many thanks for reading x
    • I am unable to get credit of any description, apart from a payday loan with expensive Provident.   I have 3 accounts, 2 with Capital One, the other with Vanquish.   These 3 do show late repayments, but Capital One is showing partically settled in September 2018 and Vanquis settled in full in December 2016.   The main issue I had is with NewDay Ltd.   I notified NewDay that my disability living allowance was stopped after I had my review when I went to transfer over to PIP.   NewDay were sympathetic, and agreed to place my account on hold, freezing interest and payments etc etc.   On the 4th May 2018, I received a letter from NewDay; theyagreed that due to my financial issues, they would no longer chase me for payment.   Soon after, a default was issued with with credit reference agencies that the account default with a default date of 12th June 108.   Why then agree to not chase me for payment then issue me with a default seems to me to be grossly unfair!?   I did a Notice of Correction on my credit file to show lenders that my account was on hold, and they agreed not to chase me for payment.   Can anyone please give me some advice?   I have a good income of £1100 a month in benefits income, and I state on applications I am retired.   I am initially accepted for credit, but they then go to the CRA's, I am then declined.   Its frustrating I can only get a loan with Provident.
    • Sorry, I don't think I explain my case correctly. I'm the guarantor for a friend that rented a shop. My friend couldn't make rent repayment and the landlord terminated her contract. Now the landlord (claimants) has taken out the claim against me as I was the guarantor and is responsible for my friend's debt. When I first  became the guarantor, I signed an agreement with the claimants. ( 1st agreement) A year later I had a meeting with the landlord to discuss my debt situation and told them I was struggling to make repayment. They agreed to give me a debt deduction and other terms, so a new agreement was drawn up (agreement 2). to replace the 1st agreement.   In 2016 I received a warning letter for late repayment. No further warning letter or contact has been made by the claimant since 2016 so I was shocked when I received the money claim.  Claimants have only attached the 1st agreement with their claim form and they denied there was a 2nd agreement. Now they have submitted their final witness statement and attached the 1st and 2nd agreement. Proving the 2nd agreement does exist.   My question is; 1. How important is it that no letter before action was sent before I received the money claim? 2. Now there's proof of a 2nd agreement which was signed and dated after the 1st agreement. Does it prove that the 1st agreement is invalid? 3. Would the court dismiss this claim if they believe the claimants have submitted an invalid agreement for their money claim?    Thank you. 
    • Hi   What date did they move into the Property & when did the Tenancy end?   How long was the initial Tenancy Agreement for?   Did you pay a Deposit/Holding Deposit for the Property?   Exactly what Notice of Arrears was given and when(what date)? (if for rent arrears)   Are they still in the Property or have they ended their Tenancy as per the Notice requirement to end that tenancy?   Is the Claim for Rent Arrears/Damages etc.?   Have you sent a Subject Access Request (SAR) which is free(due to GDPR) to the Landlord/Letting Agent asking for 'ALL DATA'?    
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Virgin Media - Cant provide service to new home- unfair cancellation fee ??

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I and my wife have been with Virgin for over 15 years

 

 

we rang them 3 weeks ago to explain that we were moving house and unfortunately they do not supply a service in the area we are moving into.

 

 

.i rang them and spent almost 1 hour on the phone to a lady that had very poor limitations of the English language

 

 

at the end of the conversation i had to hang up as i was wasting my time

..i was told as i was ending my contract i would have to pay £250

 

 

i tried to explain i was not cancelling my contract and i wish to stay with Virgin

but was told i have to pay a cancellation fee

but as i was a loyal customer they would knock £50 of my final bill..

 

my final bill is £200 .

.i still was not happy..

 

 

i rang Virgin Media 2 days later and i was so happy

i spoke to a guy called Josh

 

 

He spoke perfect English on the phone call lasted around 10 minutes..

as i had never missed a payment and have been with them for over 15 years

he managed to get my final payment down to £167;24

but he said he would send a note on how to appeal against the charge.

 

 

.also i would get a box to return the Tevo Box

if i did not return the box

i would get charged another £150.

 

 

.Today i got a final bill for £294;73.

 

 

. my question is

how can i get 3 different bills for different amounts .

.. what would have happened if i had paid the lowest amount first....

 

 

.i.can afford to pay this but why the hell should i

 

 

BTW the person that bought my old house uses Virgin Media now

so Mr Richard Branason hasnt lost a penny

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Nothing to do with Richard Branson. Owned by an American company who just use the name.

 

Why are there any cancellation charges ?

 

Have you signed another contract within the last few years, for additional services ?

 

Send back the Tivo box to Virgin. Wait until they send you a full itemised bill and then start an official complaint with them in writing, asking them to justify any cancellation charges by pointing to any contract terms that you agreed to,


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I would assume you are already out of contract...but the 30 days notice still apply....Its not your fault your new home is not in a cable/service area... call Virgin on 0345 454 1111.....you should not be penalised...its their fault not yours.

 

Regards

 

Andy


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This for information purposes.

Sir RB never owned virgin, he sold the rights for them to use the virgin branding and was a shareholder owning around 30% of the shares. SirRB only ever sold the rights to use virgin brand for a 30 yr period.

 

In 2013, the company was sold to Liberty Global but with the ingoing brand usage rights.

 

Miving on to why the OP probably has an outstanding balance and cancellation fees;

 

Virgin media notoriously start you on a new contract for 12 months whenever services are changed, so if, for example, you added sky sports or movies ir negotiated a new package as the offer you were currently on was due to expire, then any new deal you were offered was also inclusive of a new contract.

In addition, if the tivo box was not returned, then they will and do charge, £150 on top of any remaining months of the current contract you are on.

 

When cancelling due to moving to a non service area, they will normally wave the cancellation fees altogether as its arguable that its no fault if the customer if they cannot provide a service.

 

They also conveniently forget to send out the returns boxes for the equipment.

 

In this instance i would put it in writing that the cancellation is not one of choice but that VM simply cannot continue to provide a service at your new address and that if the returns bixes were supplied, the equipment would have been returned. Inassume here you still have the equipment in order to return it?

 

Should be simple enough to resolve with the correct letter to the CEO office, forget notmal complaints route.

 

In addition, spout your story all social media such as facebook and twitter, VM have dedicated teams to watch for this and it will be picked up quickly.


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Virgin Bledia are in breach of contract, as they are unable to uphold their end of the agreement, by providing you with a service.

 

So you owe nothing, less for the services you have already used.

 

Calling them is as much use as indicators on a submarine, they simply say one thing to get you off the phone, and do the exact opposite, for a telecomms company, they are excellent at miscommunication and ignoring their customers, the fact that you have been a customer for 15 years means nothing to them, your just a number who pays them profit, your loyalty is misguided they don't care unfortunately.

 

Fire off an email to their CEO, get their office to write this off.

 

And jump onto all their social media sites and embarrass them on their, warn any future customers of how little they value their customers loyalty.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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thanks for all the info folks e-mails will be sent asap to the relevant people ill keep you updated also i never knew there was a 30 day cancellation period,as for my contract i have not signed a contract for approx 10 years it was just reinstated as far as im aware

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They will also ignore your emails, hence why you should fire it straight to the CEO, spent more than 8 months trying to get these clowns to even acknowledge a complaint least of all resolve it!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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thanks for all the info folks e-mails will be sent asap to the relevant people ill keep you updated also i never knew there was a 30 day cancellation period,as for my contract i have not signed a contract for approx 10 years it was just reinstated as far as im aware

 

And not made any changes to your bundle in the last 18 months ?

 

Andy


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Ofcom: Home

https://www.ofcom.org.uk/

Ofcom may be able to help you complain about, or report, issues relating to phone and postal ... BBC regulation: Operating Framework ... of consumer complaints it has received against the major providers of telecoms and pay-TV services.

 

 

complaints to them


:mad2::-x:jaw::sad:

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