Notice of Default letter from Virgin Media

[Scouse Paul]

I got a Notice of Default letter from Virgin Media saying that I owe them £0

 

Even though I actually owe them about £15 does the fact the letter says I owe £0 mean that they have mucked up and I therefore now owe them nothing.

 

I will upload a copy of the letter when I am at work tomorrow.

Edited June 2, 2013 by Scouse Paul

[citizenB]

Yes, please let us see the letter.. Sounds quite bizarre !

[Scouse Paul]

http://s3.photobucket.com/user/ScallyOfWag/media/defaultletter_zpsebbc7be1.jpg.html

 

Here is the default letter, I know its dated 3rd April. I have been just ignoring it till now as like it says I owe £0. It was only the fact they referred it on to a DCA that I remembered the weird default letter.

 

Like I said in the OP because the letter says I owe £0 does that actually mean due to a muck up by Virgin I don't have to pay anything

Edited June 3, 2013 by Scouse Paul
correcting size of photo

[Bazooka Boo]

Well the DN is defective anyway and isn't worth the paper it's written on.

 

You do realise that you have left identifiers on that scan?

 

If some tin pot DCA tries it on just laugh at them and ignore them.

[citizenB]

Hmm, very odd indeed. They quite clearly state that you don't owe them anything and that the breach has created no arrears

 

However that Default is invalid anyway.. they are asking for you to remedy this breach "within 14 days". It is a statutory requirement that they state a DATE which must also allow for posting.. (2 business days - 1st class : 4 business days - 2nd class) Business days are Monday to Friday excluding weekends and bank holidays.

 

TBH, I am not quite sure whether you should respond to this or not. ! I will flag for others on the site team.

[BRIGADIER2JCS]

Complain to their Data Controller and check your credit reference files in case a default entry has been placed.

[Scouse Paul]

Complain to their Data Controller and check your credit reference files in case a default entry has been placed.

 

Even though I do prob owe them money, does the fact that they sent a bodged notice of default negate all that?

[BRIGADIER2JCS]

Even though I do prob owe them money, does the fact that they sent a bodged notice of default negate all that?

 

Check the CRA files before doing anything.

[Scouse Paul]

Thanks Brig, once I get the chance to check the CRA's I'll post an update

[BRIGADIER2JCS]

Thanks Brig, once I get the chance to check the CRA's I'll post an update

 

OK Paul.

[citizenB]

It has been suggested that you simply telephone and ask if it is legitimate.

[BRIGADIER2JCS]

No reason not to phone, but if you do keep a written record of the time & date of the call and exactly what they say.

[Scouse Paul]

I've just checked my CRA (I used Equifax, don't know how reliable or upto date they are) and it just said in arrears, there was no default put on there

[BRIGADIER2JCS]

I've just checked my CRA (I used Equifax, don't know how reliable or upto date they are) and it just said in arrears, there was no default put on there

 

Equifax is usually well up to date.

Are the arrears shown ie how many months.

[Scouse Paul]

Just says 1 payment late and a balance of £14

[BRIGADIER2JCS]

OK a letter to their Data Controller, with a copy of the DN and a printout of the CRA file.

I have a suspicion that the may be selling that silly balance but have got ahead of themselves.

[Scouse Paul]

Ok, i'll do that when I am in the office at work tomorrow, thanks for all the advice