A question about : Virgin credit record on my file
When I was a student I opened a Virgin media Internet account, this was in 2003. Ј128 was outstanding on the account and this is listed on my credit file.
In 2008 they added a second account to my credit file with an outstanding balance of Ј174 in error (turns out the error occured when they migrated data from one database to another - it happens).
I found this out recently and contacted Virgin, they told me they exercise a non-compensation policy but would waive the amounts and remove the records from my credit file. This was in July.
I contact Cisas in September because Virgin aren't responding to my emails and haven't carried out the agreed action. This was last week and in my complaint I ask for compensation of:
Ј174
x
the six years it has been on my account in error
x
the current rate of UK inflation
(Roughly Ј1100).
My point was that the credit file has probably hindered my access to credit in the past, would potentially affect my mortgage application and the general their poor service was unacceptable.
I've been contacted by Cisas today offering the original action of waive the outstanding amounts, removing the records from my credit file and a good will gesture of Ј250?
Result? Or should I continue with my complaint?
Best answers:
- No idea how you think Ј174 from 2008 is now worth Ј1100 with inflation, dream on!
Considering you didn't know about this until recently there it probably no detriment to you, so I would just accept it.
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