kaimoo86
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Everything posted by kaimoo86
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Virgin media ruined my credit report and life
kaimoo86 replied to kaimoo86's topic in Digital TV Services
Sorry I'm trying to run after my son, I moved in October I have notice start of September. We actually had the keys for our new place 3rd of September I can get proof from our old letting agents when we moved and when we signed the lease for our new place. I'll get the exact dates and send that off to the ombudsman, they did forward our mail to use for a month so virgin didn't send any mail here or to our old address I do know my months of the year, it's my birthday in two months. I have baby brain still See two months, no my birthday is in two weeks time not two months I only just noticed that. It's my son's birthday in two months -
Virgin media ruined my credit report and life
kaimoo86 replied to kaimoo86's topic in Digital TV Services
Well they could say they sent it, I didn't get any bill I didn't get notice of an impending default which I thought they had to give. -
Virgin media ruined my credit report and life
kaimoo86 replied to kaimoo86's topic in Digital TV Services
Start of October so should have been no more than 30 days, they told me on the phone they billed me for September when I wasn't even living there -
Virgin media ruined my credit report and life
kaimoo86 replied to kaimoo86's topic in Digital TV Services
Thanks for taking the time to reply -
Virgin media ruined my credit report and life
kaimoo86 replied to kaimoo86's topic in Digital TV Services
Thanks I'll get onto it, I'll email them a letter asking for it and if no reply I'll write to them. I'll settle the default, no point refusing to pay it out of principle despite the fact I shouldn't owe them a penny. By the sounds of it I'm screwed over either way, I won't ever use any of their services again unless it's a train or plane when there cheaper grrr I'm so mad I can't fully escape them -
Virgin media ruined my credit report and life
kaimoo86 replied to kaimoo86's topic in Digital TV Services
I really thought we were back on track to buy a house we even have the deposit and a steady income. Virgin shouldn't be allowed to default people's accounts seeing as it's not a loan or credit. I wasn't sure they'd have transcripts from my calls from nearly a year ago! What's an iar? Going to court sounds expensive, I've just finished reading that if I settled the default it might only effect me for two years. I can kind of understand why they might be unwilling to help, I'm sure their are plenty of people who knowingly just avoid paying then give a similar story. I thought a company had to inform you before they defaulted you, they never contacted us again. I'll ask them for the transcript of all conversations though What's the point in an ombudsman if their likely to favour virgin media So it's common practice for virgin media to do this to people? I don't know how they can legally bill me for September last year when I wasn't even living there and I had already called to cancel my contract. Horrible people they are, we were paying them nearly £100 a month we always paid albeit sometimes a little late - that's why virgin weren't willing to help they made a big deal of it saying there was several times you paid us late I said yes well I was off work on maternity leave but I always paid each month and apologised for it being late but it was always paid. I don't know what's wrong with these people and why they don't care about how big an impact this is going to have on us, despite having a deposit for a mortgage we are stuck renting paying off someone else's mortgage. -
Hello I was rebuilding my credit file, last time I posted I think it was regarding building my credit. Well I got a vanquis card with a £250 limit which was increased to £1000 after six months which was surprising. Okay to the point, last October we moved house but unfortunately this area doesn't support virgin media. I informed virgin media I was moving and gave them my new address so that was okay they said they would be in touch to collect the equipment. It appears that have billed me for septmeber despite being informed I had moved address, they never one wrote to me at my new address with a bill. Turns out they had billed me £110 which has now turned into a default, I contacted the chief executive office they said they'd investigate. They eventually got back to me and informed me that they were unable to help and they refused to remove the default from my account even if I settled the balance, there is absolutely no way I wouldn't have paid £110 and run the risk of my credit file being ruined for 5 years. We pleaded with them we said we will pay it rite now and it would have been paid if we had known about it, it was stressful enough moving house and we also had a one year old son at the time which made it even more difficult. I'm kind of disgusted at the lack of help from virgin media, we started our own business in January we actually received £120,000 inheritance just after we moved. Now we can't even get a business bank account, we applied at barclays and was delcined so checked experience to find a default for £110. Virgin just said no we can't help and my only option is to pay it so it shows as settled but the default will remain. I've printed off a form to an ombudsman I believe it's a separate one for virgin media complaints, I'm hoping they can do something I just can't believe virgin media were so unhelpful I'm sure Richard Branson would be disgusted by it also. It's really upset me it's more annoying that if this was an area that could get virgin we would have got it and stayed a customer, thanks to virgin we won't get a mortgage we won't get mainstream credit if we need it. I pleaded with them saying because of £110 I won't get a mortgage even then they didn't care, the impact his is going to have on our lives is huge. We can't even keep our income separate it's currently going into a personal bank account which isn't professional asking people to pay into a personal account and it's going to cause problems with doing accounts and hmrc - of course virgin media didn't care and took to ignoring my emails. I do think this is unfair and unjust, I haven't paid the default yet I'm thinking if i pay they'll never remove it so either way my credit is ruined for a few years. I'm just so upset and stressed about it all, I don't know if the independent ombudsman is my only option since virgin media haven't been sympathetic despite knowing they have ruined us for five years and we can't buy a house for the sake of £110 we didnt even know we owed them Please excuse any mistakes, just typed this on my phone and it kept freezing on me.
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I noticed virgin put a default on my account, I moved from my old address last October to a house that couldn't receive virgin services. Anyway I called told them I was moving they said someone would call to collect equipment no one ever called, apparently I had one last bill of £102 which hadn't been paid that I totally forgot about due to house move and a hectic lifestyle with a one year old baby. I called them and their refusing to budge saying it's what I owe so that's that, they said it doesn't matter i didn't receive any mail at my new address saying I was about to get a default or asking me to pay. I was hoping they'd show some compassion that I'd forgot with the stress of moving and having a young baby but still just a no. Is there any other route I can take if I feel it's unfair to ruin my credit file for 6 years ? I'll be paying the £102 to get the default settled but I'd rather they removed the default completely as it was applied to my file in September the same month I moved house. I have 8 settled accounts and only this one default and find it extremely unfair that they won't help due to exceptional circumstances, if I had remembered I would have paid it there's no way I'd risk ruining my credit for 6 years for the sake of such a small amount Thanks for any help in advance
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Thanks, I've done a bit more research and it appears after ten months and they have increased my credit limit thats when it'll improve my credit report. Not so bad then, I'll stick to using 25% of my credit and pay off in full and wait till next year. I'm not going to check my credit report again until next December, no point paying for it for another 12 months.
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I've just read I shouldn't have used the card at all I only used it because I thought that's what it took to help my history to prove I pay off in full on time. Oops
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Hello Okay, so I got my vanquis card I've used 50% of my credit. I checked my credit report it's flagged up 4 new negative factors all to do with my new card, I've had it less than 10 months, my limit is low so viewed as a risk. October my score was 891 it is now 571, it's dropped from 771 to 571 all because I have a new credit account..... Yes I know the scores mean nothing and it's a guide for myself, but is it not a good thing I have one credit account and in fact despite what experian report it does actually go in my favour ? I logged on to experian expecting my credit score to be increased with positive markers, how wrong I was
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I had a loan with rbs which is statue barred forgot to mention that so that means no to rbs and natwest
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I have a Halifax, rbs that are local. I live in the middle of nowhwere, theres around 1500 people in the town I live in. Theres certainly no local banks other than those i have mentioned, braclays is a half hour drive away. All the big banks are near the cities and I live about an hours drive away from both of the nearest cities, I'm in central Scotland
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My experian was at 881 before with no credit at all now at 751 after those three searches. So I'm expecting to to be at very good after Feb next year. I'm just happy I'm back on the rite track, I know loads of people hate vanquis but I can't see it being a problem I'm grateful they've gave me a chance and I'll not be stupid enough to use it and not pay it off in full. Well not that stupid again lol Ill update next Feb
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Card arrived with a £250 limit, I called to activate it and wow they don't half try and sell you their payment protection plan which I declined but it might be worth getting just in case. I was expecting a limit of £150 but according to the information I've been sent with the card it could be up to £3000 within a year
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Thanks, well luckily LBG has sold off the tsb part but they still own most of the main stream banks . I'll just avoid anyhting to do with LBG, doesn't leave me with many options living in a small village all the local banks belong to LBG
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I've already sent off my application to register to vote so I'm hoping it'll show on my report next month. For vanquis I did need to send them proof of id and address
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Hello Just to seek some final clarification, I have barred debt with black horse and capital one. I know the debt is no longer enforceable and has been wiped from my records Does the debt stay on the Lloyds groups records and capital ones? I just want to know if I should avoid these groups at all costs in case the computer will still say no, I wouldnt blame them. Or is it a case that they legally have to remove all trace of the debt. It's just because Lloyds own so much and I don't want to be wasting my time, for example my credit report was good with no debt I applied for a Halifax current account I was refused instantly. I've used their card cash basic card for over ten years, I applied for a vanquis credit card and got it. Just concerns me Halifax turned me down based on the statue barred debt I had with black horse, either that or it was due to not being on the electrol roll but I can't see it being because of that if I have a card cash account at my current address and have done for ten years
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Hi Jackie I'll need a business account soon and if I cant get a mainstream account I'll need cash plus, they won't accept cheque payments and they wont supply the payment equipment your referring to. As far as I'm aware u can rent them from certain companies and get it set up to pay into your account but cash plus won't supply anything. Did you try Barclays for a business account? They'll be my first port of call, cash plus is really no use since they don't let u pay in cheques
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So it'll take about 5 months for the recent searches not to effect my file as badly
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How long I'd it take to drop off? My score went from 891 to 751 because I had three searches in one month, which is a bit harsh seeing as I was accepted for one of the searches. I had 28 linked addresses, experian had me linked to someone else from the same town with the same name. Apparently according to experian I was living in stoke on trent even though I've never even been there, they fixed it and I'm not linked to three address. I've had 23 searches in the last 12 months only three were for credit that was within the last month. I know once the recent searches drop off it'll put my rating up to very good, by the time they drop off I should have three months of repaid credit card bills on my file.
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I tried to see noodle they couldn't let me see as they couldn't verify I am who I say I am, call credit took £12.99 off me for me to see my report but then they couldn't show me my report because they couldn't verify me so I paid £12.99 for nothing which is extremely annoying. Equifax is very poor,all because I'm not on the electrol roll and I have no settled accounts so to rate me very poor for that is rediculous
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Have they increased your credit score? In October mines was 10 points shy of very good, I'm now on 751 due to three credit searches so it's now on fair. Although the score doesnt really mean anything I'd like it to creep back up to good then very good, it was sitting on good due to no credit searches in over a year and zero debt but I wasn't on the electrol roll. I don't plan on applying for anymore credit cards, vanquis and cash plus credit builder will do me for a year. My goal is to have perfect credit reports,my other halfs credit is ruined due to her ex so it's all on me
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I know the lowest is £150, if my interest rate is so high I'm expecting the £150 but I'll let you know once I do. I don't know why he couldn't just tell me my limit on the phone cos he probably had it set out in front of him
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They offered me a cash advance I made it very clear I don't need to the money it's purely for credit rebuild purposes. Hopefully after year one of my credit rebuild I can chop up the vanquis card and apply for a different card, but it really won't make any difference what the interest rate is. It feels brilliant I thought I'd never get another chance, I think my credit limit will be low as the only offered me a £100 cash advance. He said the card will be with me by next week so no idea why he'd think I'd want or need a cash advance before then.