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    • Have received a letter from the tribunal service advising that my defence has been submitted to the claimant and more info will be provided if they wish to pursue. 
    • Hello DX   I am back seeking your help  . . kindly.   After the last CMD on 17 February we were given 21 days to submit the following:   1.    written note of my niece’s defence to specify:              a.    When and by whom the settlement amount mentioned in the initial defence was paid.               b.    Explaining the specific issue of the default Notice, if you remember they said in their case that it was issued.               c.    Specify the amount and dates of the bank’s charges that are in dispute.   2.    Should we need to call witnesses, I presume for ex-partner or HBOS, we can do that on Form 10A   3.    We can seek order from the court to HBOS to submit documents, Form F10B.   I need to submit a new defence without emphasising the role of ex-partners for two reasons. One, he might not paid the settlement. Two, he is the forces and it is unlikely we can locate where he is even to get a witness statement from him.   I would appreciate your thoughts to see how best to present the new defence.   I have few days yet as I need to submit before the end of the 21 days (I worked out to be 10 March).   I could upload the pdf file of the notes of the last CMD, sensitive information Redacted, for your to have a glance at it.   Thank you
    • This deserves a careful read https://www.theguardian.com/society/2021/mar/04/vaccines-tweaked-for-covid-variants-will-be-fast-tracked-safely-says-uk-regulator   My admittedly reading between the lines interpretation: So effectively, modified vaccines generally have needed to be demonstrably as 'efficacious and safe as prior versions. The UK is stating that future vaccine approval will not require that, unlike is needed in almost all developed nations.   Is it because they are:   * 'artificially or by use of selective data boosting the claimed efficacy of the existing vaccine and understand that new versions are very unlikely to match those claims and they dont want to get caught out if theycan avoid it   *Quite sure that new variants of the virus will be beyond the efficacy of new versions of the vaccine   * Simply cant be bothered with all this proving it works malarky   All the above?
    • The last two times CEL took Caggers to court the fleecers got a right hammering   https://www.consumeractiongroup.co.uk/topic/417771-cel-pcn-claimform-tenerife-buildings-station-road-south-gosforth-newcastle-ne3-1qd-claim-discontinued/   https://www.consumeractiongroup.co.uk/topic/421714-cel-pcn-claimform-white-cross-business-parkclaim-discontinued-now-going-for-gdpr-breach-claim/   They are eminently beatable but you have to start getting things right from now on.  Please fill in dx's sticky.
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      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
      So I issued the claim on day 15 and they requested more time to respond.
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      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
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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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Virgin Media - Objected Admin Charge Leads to 3 Strikes on Credit Score

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Good afternoon all,


I'm sure you're all busy so I will keep this as short as possible.


Was a VM customer for 8 odd years. Had to cancel their services last year as my Ex and I separated and I was moving to a new place.


Account was in my name, so I phoned to cancel it. Phone call lasted about 10 minutes as they tried to get me to shift it to the new address etc. They explicitely said "there is no further charges to pay" on the phone. (I have it recorded as an .m4a file.) In fact, we were due a refund.


A week or two later, I get a letter (at my new address!) asking me to pay a £23 cancellation charge. I wrote them a letter explaining both the phone call, and my annoyance at them chasing the additional charge when we'd been good customers for 8 years. I got another chaser a few days later, and expected the letter hadn't been processed yet, and then nothing....


After not getting any correspondance, I assumed it was done. It was £23, and I thought it would all be sorted.


Last week, i'm at the bank applying for a loan, and I am denied and told to check out Experian.


Three strikes from Virgin Media over the late payment of £23. :-x


The rest of the credit report is absolutely sweet. Credit score tarnished by their mistake and incompetence.


Any advice on how best to rectify this, and if I should pursue any further action?


All the best,



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Hi and Welcome to CAG


You state you rang them to cancel their services...was you out of minimum contract ?


Did you give them 30 days Notice ?


"If you decide to end part or all of your services with Virgin Media during a minimum period, then we’ll usually charge you an Early Disconnection Fee instead of the remaining payments for your minimum period for your services."




Out of minimum contract.....


" you may cancel this agreement without penalty by giving us and/or Virgin Media Payments (as applicable) at least 30 days' notice. "






We could do with some help from you.



 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service


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Hi Andy, thanks for the response.


It was past the minimum contract period by a good few years. I'd actually moved out of the house a year or so before, but the account was still in my name, and she was paying it.


As it was my name on the account, only I could cancel it.


I'm about to move again and, until last friday, was considering going back with Virgin Media!! No chance of that happening now.

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So you didn't give them 30 days Notice ?


The following may be of use and explain what you was told by customers services and that you was not warned re 30 days and that you have kept a recording.


0800 052 0290 credit amendment team

[email protected]


Monday - Friday 10:00 - 18:00, Saturday 09:00 - 13:00 and Sun – Closed.


Consumer Underwriting


Virgin Media

Eagle Court 3

Coventry Road



B26 3RZ


The only problem I foresee is that you state you moved out of your home a few years previously....did you get your post ?




We could do with some help from you.



 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service


If you want advice on your Topic please PM me a link to your thread

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