Virgin Media default - no date?

[siriusb]

Quick background...

I left Virgin Media due to cost of their service constantly creeping up. I left at the end of my contract. I was told I would be refunded the month in advance that I pay and I said to take any charges from that.

All agreed, I canx my DD... they start pursuing me for £20 in charges, I say this is due to come off my refund, I get contacted by BFO debt collectors, advise them the same...

I have now received an UNDATED default notice. I am gutted. Been working really hard to improve credit rating. Is the document legal without a date?

Many thanks

[fkofilee]

Is it on your Credit Profile? Check all 3

[obiter dictum]

Is this a default notice served under 87(1) CCA 1974 or :

 

A notice of Default Sums??

[siriusb]

Is this a default notice served under 87(1) CCA 1974 or :

 

A notice of Default Sums??

 

It's the first one - no notice of default sums letter received.

 

Just checked my Noodle file and no sign of it on there... Loathed to pay £6 for individual reports on a bill that amounts to £20.

[fkofilee]

Send off for a Statutory Report £2 a pop per CRA...

[obiter dictum]

If you have received that notice under 87(1) they are looking to terminate the agreement and sell to a debt collector. Normally you will have 14 days from receipt to pay the amount claimed or a Credit default status will be registered with the credit agencies. That will screw you for six years

 

I would pay the £20.00 in charges then make a complaint in writing under their complaints procedure

 

They have 56 days then to give a written final response before you can elevate the complaint to the regulator

 

Getting a Default status over £20.00 is not an option at this time

[siriusb]

If the document is legal without a date then I will wrestle with Virgin, if the document is not legal I will deal with both Virgin and the CRAs.

 

It's whether it should be dated that I am querying.

[obiter dictum]

Virgin media do not need a default notice to register an account as defaulted with the credit agencies,

 

only to terminate the agreement

 

You owing the £20.00 will be seen as a fair representation on how the account has been run as a matter of "Fact"

 

Once you get this Credit default on your credit file it is almost impossible to remove for six years

[siriusb]

Thank you.

I'll speak to Virgin tomorrow to try and find out why this has happened.

Am quite shocked they can send documents undated and they can have such ramifications.

How can I respond in 14 days to the default notice if there is no date??

 

I should point out in my town there are two roads with the same name and it's not unusual to have to put a letter meant for the other street back in the post...so dates are important!

[obiter dictum]

If i were in your position i would phone Virgin media tomorrow

 

If you do owe £20.00 i would pay it there and then by card on the phone. That will stop any further action

 

Then if you wish you make a complaint as to their complaints procedure

 

Believe me from personal experience. Being in the financial wilderness over a default status for six years is not nice. In your case only £20.00

[Andyorch]

Thread moved to the appropriate forum.

 

Regards

 

Andy

[Bazooka Boo]

Virgin Bledia, really are the pits.

 

Ring if you must, but unless you record your calls, then they will say it never happened.

Same goes for emails, they are extremely good at ignoring all forms of communication as and when it suits them.

 

If there is no date on the DN then it is faulty, but that is the least of your worries, especially if they press ahead and mark your credit files.

 

Ignore BPO collections, deal direct with Virgin Bledia, ensure you get the name of the clown you talk to on the other end,

date and time you called, length of convo, and keep it safe.