Virgin Media default unknown to me on Equifax

[nogbloke]

I just obtained a copy of my Equifax report as I got knocked back for a store card at Debenhams recently.

 

Within the report is a default from Virgin Media that they apparently served upon me at a previous address in 2007 and there is £58 outstanding??!!??

 

I have no knowledge of this default being served nor the debt. What can I do to get this error corrected? I am distraught because my record has this blemish on it without me knowing anything about it.

 

Hellllllp please.....

 

Jim (Nogbloke)

[maroondevo52]

Hi, Jim.

 

I'll move this thread to the appropriate Forum.

 

Regards.

 

Scott.

[postggj]

Have You Ever Had Any Dealings With Virgin Media

[nogbloke]

Not that I am aware of no. Also the entry on the record has the incorrect first name recorded. "John" instead of "James"!

[postggj]

Is It Virgin Media That Has Recorded This Default Or A Debt Collection Agency

[nogbloke]

Virgin Media Group (communications supplier).

 

This entry doesn't appear on the Experian record incidentally.

[postggj]

You Have Now Opened Up Yourself To Some Compenation

 

Ime Going To Do A Letter For You To Send To Virgin Media

Send Recorded Delievery

 

Check Back In A Few Hours

 

Following This One With Interest Now And Keep Regular Updates

 

ITS IMPORTANT YOU KEEP A COPY OF THAT REPORT LISTING THE DEFAULT

[nogbloke]

Blimey, excellent. Are you sure you don't mind?

 

I would be most grateful for any help that you could give me.

 

Thanks,

 

Jim

[postggj]

No Probs

 

I Took A Dca To Court For A Bogus Default And They Settled Before It Even Got In Front Of A Judge

 

I Hate The Way Defaults Are Used As Punishment When The Creditor Has No Intention Of Going For A Ccj

 

Or They Are Done By Mistake

[postggj]

ill Try Again

[postggj]

font Problems

[postggj]

XXXXX

XXX

XXX

TELL XXXXXXX

　

DATA PROTECTION OFFICER

 

Virgin Media,

PO Box 333,

Matrix Court,

Swansea.

SA7 9ZJ

 

DATE

ELEVATED COMPLAINTS

　

DEAR SIR/MADAM

 

I REQUIRE THAT THIS MATTER BE DELT WITH BY YOUR COMPLAINTS DEPARTMENT AND A FULL RESPONSE IS REQUIRED.

 

ON XX/XX/XXXX I APPLIED FOR A CREDIT CARD AND WAS DECLINED. I REQUESTED FROM EQUIFAX A COPY OF MY CREDIT FILE TO SEE WHAT, IF ANY, NEGATIVE INFORMATION WAS RECORDED.

 

TO MY HORROR A CREDIT DEFAULT WAS RECORDED ON MY FILE BY THE VIRGIN MEDIA GROUP.

FOR YOUR REFERENCE I HAVE ENCLOSED A COPY OF THAT PART OF MY CREDIT FILE THAT LISTS THE DEFAULT ENTRY FROM VIRGIN MEDIA.

 

I CANNOT UNDERSTAND THIS ENTRY AS I HAVE NEVER HAD AN ACCOUNT WITH VIRGIN MEDIA.

I REQUIRE VIRGIN MEDIA TO DO A FULL INVESTIGATION INTO THIS MATTER, I ALSO REQUIRE VIRGIN MEDIA TO REMOVE THIS DEFAULT UNTIL IT HAS COMPLEATED ITS INVESTIGATIONS.

I REPEAT, I HAVE HAD NO DEALINGS WITH VIRGIN MEDIA.

 

I MUST ALSO INFORM YOU OF THE FOLLOWING, FOR WHICH I AM CONTEMPLATING ISSUING A CLAIM FOR DAMAGES IN THE COUNTY COURT UNDER THE DATA PROTECTION ACT 1998.

THE FACT THAT A DEFAULT HAS BEEN RECORDED WHEN THE DATA SUBJECT IS NOT THE PERSON IT REFERS TO, OPENS UP THE CREDITOR TO A DAMAGES CLAIM. THIS HAS ALLREADY BEEN DECIDED BY,

 

KPOHRAROR V WOOLWICH BUILDING SOCIETY (1996) 4 ALL ER 119

 

I AWAIT YOUR RESPONSE

 

 

SINCERLY

 

 

 

 

SEND RECORDED DELIEVERY

[BSC]

Just a thought - Virgin used to be Telewest and NTL. Do either of these companies ring a bell with you?