@virginmedia BPO repayments and credit record - Virgin mobile.

[ben341]

Hi

 

Been trying to set up repayments on a defaulted mobile account

which happened when I lost my job a year ago.

The company is BPO in Ayreshire.

 

Things still tight so

 

i offered in writing £10 a month by direct debit with a view to reviewing

if my finances improve in 6 months. 10 is generous at the moment.

 

They accepted in writing and asked me to call to establish direct debit.

 

I called tonight and they said I had agreed to make an initial paymrnt of £107 a complete fabrication.

I declined.

 

They then emailed me to say I need to provide income expenditure form.

 

I have nothing to hide but now don't trust them and don't want the hassle of sorting this out

and justifying an offer they already accepted.

 

I notified I will make manual monthly payments of £10 as per the original agreement.

 

The full 280 is too much at present.

 

What I would like to know is,

will my credit record reflect the repayments.

 

The account shows as overdue.

 

Can they issue a default even though I am making payments on something

they agreed to and then altered the terms of the agreement?

 

Already they have proved to be untrustworthy but I have saved all communications and phone call recordings.

 

I hope to clear the debt within a year but was hoping to stop credit record

worsening evrn though it is a struggle to pay the token amount.

 

Thank you

Ben

[renegadeimp]

Do NOT create a direct debit. ALso, dont deal with a DCA if they dont own the debt.

[dx100uk]

don't pay a fleecing DCA

 

they are not BAILIFFS

and have

NO SUCH LEGAL POWERS

 

stop talking on the phone too

you are under legal obl to do so.

 

who's the debt actually owed to/by?

 

whats the story please.

 

I would suspect your credit file is already trashed by the provider with a default.

 

so no more damage can be done.

 

dx

[ben341]

Virgin mobile.

 

No default at present just 4 or so months overdue.

 

I coulnt afford to continue paying in October after losing job it wasnt a priority.

 

Contract was until May 14 therefore I owe the remaining amount.

 

Virgin sold debt in Dec 13 and

 

I approached Virgin to begin making repayments in June,

they advised unless I can pay it off in 3 months then I have to deal with BPO.

 

Was just trying to put things straight but I dont want this becoming a default

and I advised in writing my offer was dependent upon them mot issuing a default

as long as I adhered to the agreement.

They accepted this.

 

In writing in this case relates to email communication and is signed by a single representative at their end.

[ben341]

Actually im not sure if they own it the whole thing was confusing. Will check my saved emails now. I recorded the call virgin told me i had to pay within 3 months but english was not her first language and i struggled to understand.

[dx100uk]

I bet you already have late markers 1,2,3, on the file?

 

whose name is against the file

virmin or the DCA?

 

dx

[ben341]

Virgin advised "sent on to bpo debt collection" don't know what this means.

[ben341]

Yes i have the late markers it is updated each month by virgin. Bpo have no footprint on my record.

[ben341]

Virgin also initally accepted my offer to pay 10 a month via email and then declined this later. I can put together a dossier of the recordings and emails proving bpo to be at the least blatantly incompetent and provide this to Virgin and request I only deal with them. Is this possible do i have this right?

[dx100uk]

owned still by virmin

 

simply pay them directly via your interweb banking portal.

 

ignore the no powers dca totally.

 

dx

[ben341]

Thanks for your advice. BPO contacted me to advise they didn't want to deal with me any more and have sent the account back to Virgin. I have made a token payment to Virgin to show good-will but they have not contacted me yet.