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We are currently in dispute with Virgin Media over offers they made and never actually delivered. It’s a long story and we are disputing all charges made.
I do, however, have some questions:
If payments are made to an account after costs on an account are disputed should they be considered as ex gratia or could they be considered as recompense and acknowledgment of an error?
Under what agreement /contract / T&C’s do Virgin Media have the right to place a default on a credit report with a CRA? My understanding is you do agree to the default process within a credit agreement under the Consumer Credit Act (CCA), which allows creditors to place defaults on credit files under certain conditions. Virgin Media do not, as far as I’m aware, fall within the CCA 1974 or do you agree within the T&C agree for them to update your credit files.
If anyone can offer any advice on any of the above or put me right, any information would be gratefully received
I do, however, have some questions:
If payments are made to an account after costs on an account are disputed should they be considered as ex gratia or could they be considered as recompense and acknowledgment of an error?
Under what agreement /contract / T&C’s do Virgin Media have the right to place a default on a credit report with a CRA? My understanding is you do agree to the default process within a credit agreement under the Consumer Credit Act (CCA), which allows creditors to place defaults on credit files under certain conditions. Virgin Media do not, as far as I’m aware, fall within the CCA 1974 or do you agree within the T&C agree for them to update your credit files.
If anyone can offer any advice on any of the above or put me right, any information would be gratefully received
