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    • Yes she went back to them and asked them to remove the cancellation however the girl on the phone went to ask someone and came back and said she couldn’t.   Thing is they then tried to charge her £1000 to reinsure, I contacted a broker and got it down to £760, she went back to them and they miraculously could do it for £690!!  It feels like they are using this to fleece her, her previous ins was £300.   I will get her to write a complaint to them...do you know if there’s an insurance ombudsman she could contact?    I just feel it would have been fair fair to suspend the ins pending the court outcome!    Thankyou.
    • Hi,    Yes my daughter drove through a red light.   Yes her DVLA was still registered to her previous address at Uni hence them not being able to contact her hence the MS90.   This is her 1st car and she simply didn’t think to re register her car to our address she genuinely forgot!  However we left our forwarding address with the letting agent but the house was subsequently sold and the new owner used a different letting agency so communication was lost.   The courts enlisted the bailiffs and when the current tenant found her via Facebook she was genuinely mortified as she had no idea that she had broken this light.   She immediately rang the bailiffs and court who advised her to make The Statuary Declaration, whilst waiting for that date to arrive she thought she better ring the insurance company to explain what was happening thinking they may have to suspend her policy however they cancelled it on the spot she asked them not to but they just went ahead charging her £50 to do so.   At court after she explained what had happened the court dropped the MS90, and reduced the points and fine to what it would have been originally.   Going back to the insurance company they said they couldn’t remove the cancelled policy and it would show on her record for life and tried to charge her £1000 to reinsure!!  Previously it had been £300 as she had built up 2 years no claims.   I contacted a broker who said he could insure her for £760, she went back to her original insurance company, Admiral who then said they could now do it for £690!!  How can they suddenly do that sounds unscrupulous to me and that they are using this cancellation to now fleece her!!   She is a medical student and needs the car to get to the different places she is working on placement but can’t afford to pay this extortionate amount of money.  I would expect her policy to go up a bit but would say max £500 is proportionate?    I will I’ll get her to contact them Regards making a complaint in writing as you have suggested.   Thank you.    
    • I’m not sure who you mean by the OD and do you want me to see if the PDL is enforceable or not pay it at all?   And what should I do about the NatWest? Surly there’s a case getting it wiped if the charges came from them charging me for a PBA that I had told them to close and they said they had. Also am I paying the credit cards back in full or trying to get a reduced settlement?   Thanks Andrew 
    • Initial payments have already come in - we wouldn't have started otherwise. There's about £3,500 outstanding. The £800 was verbally agreed initially, but later correspondence from the customer shows that he's accepted the £800 for the extra work.
    • Each should send a cpr 31:14? Cant produce signed documents = no liability??
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pocketsizedwolf

Liability for someone else's Virgin Media debt

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Not sure if this is the right thread so apologies if not.

 

In April 2014, I moved into a shared accommodation property with two other girls.

As lead tenant, I organised everything, all bills etc were in my name.

In April 2015, one of the girls moved out.

 

In October 2015, I cancelled my virgin media account as I was going to be travelling for work and the flat was really just a 'home base' for when I got a week off etc and so that all my bills were still going to the same place.

 

 

Work was paying for my travel and accommodation in other places so it wasn't too big a deal to pay rent on a flat I wasn't staying in.

 

 

I had closed the account early and so I'd paid a bit extra and whatever.

My account was closed but my remaining flatmate took out a virgin account in her name.

 

I moved out in March 2016, informed all the utilities that were still in my name that I'd be moving out and they issued final bills etc

. I couldn't cancel VM as it was in my flatmates name.

 

this week, moving into a new place with my bf,

I try to set up virgin media,

only to get a phone call telling me that I can't be given services because there's a £76 debt at a property I once lived at.

(My ex-flatmate moved out at the end of April 2016 but apparently didn't cancel her account)

 

I've since had a discussion with 3 different departments (orders, collections and customer services) who have all confirmed that unless I pay off a debt that is not in my name and nothing to do with me, I cannot get my services.

 

I'm expecting a call from senior management tomorrow afternoon after I kicked up a bit of a fuss but legally, can I be held accountable for someone else's debt with them?

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You aren't legally liable for the other person's debt.

 

However, Virgin aren't under an obligation to supply you with services.

So, whilst they can't make you pay it ; if you don't you can't make them provide you with services .....

 

I'd suggest raising it on social media : they might budge when you make them look unfair .......

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No you can't be liable for a debt owed by someone else and VM should not be asking you to pay it.

 

But VM have no legal obligation to provide you with their services. The same as any business they can pick whether they accept your custom.

 

I suspect if you contacted the telecoms ombudsman, they would not be happy VM were approaching a third party to pay a debt in this type of situation.


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Hi , send an email to Tom Mockridge (you will need to google his email address, I think it is at virgin.com. One of the management team will contact you , they were fab when I was going around in circles.

 

 

In October 2015, I cancelled my virgin media account as I was going to be travelling for work and the flat was really just a 'home base' for when I got a week off etc and so that all my bills were still going to the same place. Work was paying for my travel and accommodation in other places so it wasn't too big a deal to pay rent on a flat I wasn't staying in. I had closed the account early and so I'd paid a bit extra and whatever. My account was closed but my remaining flatmate took out a virgin account in her name.

 

 

 

I moved out in March 2016, informed all the utilities that were still in my name that I'd be moving out and they issued final bills etc. I couldn't cancel VM as it was in my flatmates name.

 

 

 

So this week, moving into a new place with my bf, I try to set up virgin media, only to get a phone call telling me that I can't be given services because there's a £76 debt at a property I once lived at. (My ex-flatmate moved out at the end of April 2016 but apparently didn't cancel her account)

 

 

 

I've since had a discussion with 3 different departments (orders, collections and customer services) who have all confirmed that unless I pay off a debt that is not in my name and nothing to do with me, I cannot get my services.

 

 

 

I'm expecting a call from senior management tomorrow afternoon after I kicked up a bit of a fuss but legally, can I be held accountable for someone else's debt with them?

 

 

 


Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Simple answer is Yes, you can be held liable for another's debt IF you agreed to act as G.

Doesn't appear to be the case here.

I assume your VM account has a unique account no. in your name?

Either your ex flatmate fraudulently used/Tx your account or confused VM ascribed your account details to flatmate.

Unless VM capitulate, you may have to argue your case in Court

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Unless VM capitulate, you may have to argue your case in Court

 

If VM don't take the OP to court (and I doubt they would; telling the OP they won't supply them with services unless they pay off the 3rd party's debt is a world away from VM deciding to take the OP to court for the 3rd party's debt .....), how is it going to get to court?.

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There will be two separate agreements and account numbers...irrespective of the same address..you cant offset against two different individuals and hold them to ransom to debt collect...even though VM appear to think they can.

 

VM use to have password protection on your account..not sure if this is still the case.

 

Escalate......

 

 

https://www.ofcom.org.uk/complain-to-ofcom

 

Andy


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For your info

 

tom.mockridge@virginmedia.co.uk

 

👍🏻


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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

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