Hi, I don't have access to a scanner so took the picture with my phone. I will try and scan it at work. Yes I checked Equifax today and it has changed to all green no default in sight!!! YAY! I cannot tell you how happy this has made me!

Wow! It actually worked! Letter from Virgin came! They have decided to remove the default for me!! I am so happy! I can not thank you enough. YAY!!!

Well I've written the letter pretty much word for word why has been suggested here (thank you so much!) I have been so busy at work but I want to send it, and get the ball rolling!

No I guess not, I requested the SAR because I thought it was what I should do. I am not sure what should be in the SAR which is why I don't know what is missing but I was expecting lots of paper work(?)

I started to write my letter, I'm still a bit stuck on what to say about the lack of documents from the SAR but so far: Thank you for your letter dated 02/01/15 containing information about my account. Despite my ongoing complaint with Virgin Media concerning the way my account has been handled, you have still not been able to offer me an acceptable resolution. I entered into my contract with Virgin expecting a certain level of service, I am aware that you do not offer a fault free service, however, I did expect at least the majority of the time to be able to use the service I was paying for, the broadband service was the fundamental part of my contract and Virgin Media failed to deliver this requirement. I made strenuous efforts over a reasonable period and worked with you to try and get the service restored, but you still failed to do so. Eventually it became clear that the entire purpose of the contract had been undermined by your breach. I eventually accepted the breach as evidence that you had terminated the contract. At that point, I had no further contractual responsibilities towards you and any obligations I had of the contract – including my agreement to share my data – ceased. So, as I have previously stated, given the terrible service I received, the relatively small amount involved and the lack of correct procedure followed,I would like the default on my credit file removed, not changed to settled, removed. I do not currently have an interest in claiming compensation for the unlawful credit file entry and the money I paid to you for unacceptable service, I am only requesting the default removal. Should I not hear from you within 14 days from the date of this letter I feel that I have no other choice but to escalate this complaint to the ICO and commence with court action. Should I be forced into this action I will be suing for breach of contract, return of money paid after and during the breach and compensation for the loss and stress caused by the unlawful entry on my credit file. I look forward to your response.

Yes I have all the paperwork. All the letters I have sent and all the replies from virgin.

Sorry, I am a bit rubbish at this! Yes the SAR stuff is just like a call log Print out which details all the calls I made and letters i sent relating to the whole account, problems and disconnection. Thanks for the detailed reply will redo my letter.

So far I have: (haven't put in anything about the SAR as I'm still trying to find out what should be) Thank you for your letter dated 02/01/15 containing information about my account. Despite my ongoing complaint with Virgin media concerning the way my account has been handled, you have still not been able to offer me an acceptable resolution. As I have previously stated, given the terrible service I received, the relatively small amount involved and the lack of correct procedure followed, I would like the default on my credit file removed, not changed to settled, removed. I do not currently have an interest in claiming compensation for the unlawful credit file entry and the money I paid to you for an unacceptable service, I am only requesting the default removal. Should I not hear from you within 14 days from the date of this letter I feel that I have no other choice but to escalate this complaint to the ICO and commence with court action. Should I be forced into this action I will be pursuing full compensation. Is this kinda right?

Will do, I don't actually know what should be in the SAR. I have been trying to find out but it all seems a bit vague. They have sent me a computer print out which lists all my calls and letters by date but what else should be there?

Thanks I am reading around the forum now and working on my final warning letter to Virgin.

Thank you so much, I'm feeling in the fighting mood now! I kept everything so will go back over it all. I will read some threads here as well to start my case. I will keep you updated. Thanks again

2013

Hi, sorry I have been at work and unable to answer. I am more then willing to try to take them to court, I just don't really know how to go about it. I was under the impression that small claims was only to get money? Anyway the long story: I signed up to Virgin and started to get problems straight away. 13th January: my telephone line was installed and crossed with my neighbour’s line. 17th January until the 23rd January: my internet was down – I was told a fault in the local area 11th June until the 22nd July: fault in my area with broadband service no continuous connection. During this period I called Virgin on: 11th June (automatic message telling me there are problems in my area) 18th June (same automatic message) 20th June (same message) 22 June (same message) 28th June (I spoke to an agent who told me my service would be back by the 11th July) 11th July (I spoke again to an agent who told me my service would be back by the 16th July) 17th of July (I spoke to an agent who told me my service would be back by the 20th of July) 21st of July (automatic message telling me that there are problems in my area) 21st August: internet down I called Virgin and booked an engineer 22nd August: engineer came and installed new hub, which worked until 9pm that evening. 29th August: Internet service down again I called and spoke to an agent who told me there is a problem with the settings on my computer. Something which I find hard to believe given that a) the engineer who installed the new hub used my PC to check the connection and did not notice a problem with my settings and b) I am attempting to connect with a PC, an iPhone, a blackberry and an android tablet and none of these have a continuous connection. When the next bill came I paid the part that was for the few calls I had made but not the actual connection for broadband I also sent them a letter telling them that I refused to pay for this part as I had not received service AND at that time my service was still down. I also told them to just disconnect me as I had, had enough. They then tried to make me pay an early disconnection fee. I made several angry phone calls and when they finally sent me a bill that didn't include the early fee I paid and we went our separate ways. Until... I desperately need to move, but this big huge default on my credit file is stopping anyone from lending to me. When I first checked out the default I expected it to be from the disconnection fee that I had refused to pay but it's not it's from the time when I paid the service charge late as I had not received service! my credit report has a 1 then a 2 then the D. I'm so angry about this it is ridiculous!

YES! lol

Thanks for the reply They did not send me a deadlock letter (I assume it would be labelled as such) but their last two letters have been more of the same insisting that there is nothing they can do as that is a true reflection of my account! I will do an ICO complaint.

I hope someone can help me. After a lot of hard work and struggle my credit record is finally in better shape, except for a default from Virgin media for £21 which I got when their service was down for 2 months and I refused to pay for a service I wasn't receiving. I did pay once they cancelled my contract. I have written to them several times pointing out that the terrible service I received and asking them to remove the default but they are refusing. I have sent a SAR to them and they sent back 5 pages of computer printout which logs my phone calls and letters, but that's all. Any idea what I should do now? Also on my credit report it goes 1 late payment 2 late payments then default, I thought they had to give you more than that? This one default is affecting so many areas of my life it is ridiculous!

But as they have sent the postal order back I feel a bit stuck should I just send it again?

Hi, I requested a CCA from welcome and sent a £1 postal order, they have sent the postal order back to me with a letter saying they need to see a copy of my passport before they can send me a cca. I am reluctant to do this as not only do I not want them having any more information on me than they already do, but they continue to write to me with spelling mistakes in my name. (they add an extra letter onto the end of my first name) I'm a bit stuck as to what to do now..... Thanks

Ok soooo I was actually wrong MMF phone calls and texts are actually nothing to do with the welcome loan which has been confirmed by the SAR is cancelled and I just need to send on this information to experien. So back to my original confusion constant calls texts and no letters plus nothing on my credit file. I spoke briefly on the phone to someone (it didn't go far I wouldn't give personal details)where the guy said they obviously had the right person because of my unusual name!! (It's true I'm the only one on Facebook, but still!)

Thank you very very much

Ok thanks will send SAR off today, and I will have a look in my loft tonight see if I still have the confirmation that the debt was cancelled (it is possible I keep everything!)

It says 2008 was the default. On the report there are little red spots under every month I haven't paid and they go right on up to this month. Given that the Welcome loan was so long go I expect MMF are writing to my old address as I have had no letters at all. so I should SAR welcome and give them my current address?

It was on there from welcome mmf weren't mentioned but it is the only thing on my file currently in default and no one else is chasing me. I assume mmf are chasing the welcome debt but if they are chasing something else it's not on my credit file. I'm worried that I won't still have the paperwork (Sorry does that make sense?)

I can't believe it! I will have to get up my loft and see if I still have the letters from Welcome. just completely shocked don't really know what to do at all!

:-0 it's for a Welcome finance loan from 8 years ago that I actually managed to get the debt cancelled!! I really doubt I still have the paperwork what do I do about this now? It is on my credit file s a default now why are they chasing me now when the debt was cancelled years ago?