Debt Questions

Your forum to ask and reply to questions relating to UK debt.
It is currently Mon Apr 21, 2014 9:46 am

All times are UTC




Post new topic Reply to topic  [ 15 posts ] 
Author Message
 Post subject: Virgin Media Credit Check
PostPosted: Wed Jan 19, 2011 1:26 pm 
Offline
Master-Poster

Joined: Tue Oct 16, 2007 11:32 am
Posts: 879
Location: X W.MIds - Now Fife-now Stirlingshire
I am currently unemployed and just moved into a new flat ( new address not property :roll: )

It was with some trepidation I applied to the above for a Broadband/TV/Phone package on one of the current "half price" offers incuding the ubiqitous "credit check"

I am as popular as Tu*d in a swimming pool with a DMP CO'S CCJ's and twenty odd creditors.

Imagine my amazement when I passed - does Chandjay do their credit checking :mrgreen:

I think I'll try for an American Express "Black Card" next :lol:

_________________
The only consistent thing about Creditors is their inconsistency-C Butts 2008 - My Lawyers are Watching - Hopefully my Creditors are not!!!


Top
 Profile  
 
 Post subject: Re: Virgin Media Credit Check
PostPosted: Wed Jan 19, 2011 2:23 pm 
Offline
100 Club

Joined: Mon May 19, 2008 7:39 pm
Posts: 161
I had the same experience last year when, my telly packed in Xmas day, and my reserves were going to take a week to hit my account due to bank holidays etc.After a day of complaining by the family I applied for a payday loan and was amazed that was accepted. I paid it off in a few days when my reserve funds hit my account. I wouldnt advocate resorting to using that type of loan by the way in normal circumstances, my O/H also got accepted for a catalogue despite also being on DMP. My point is that there is still the odd avenue that you can still go down to get credit if you need it, I have been tempted to apply for a capital one credit card they keep asking me to apply for just to see what happens


Top
 Profile  
 
 Post subject: Re: Virgin Media Credit Check
PostPosted: Sun Jan 23, 2011 12:40 am 
Offline
Ultimate-Poster

Joined: Sat Jan 20, 2007 11:11 pm
Posts: 1284
Location: Up the road from you!
Butts it seems its not difficult to get a service from Virgin, we did just that a year or so back with all the usual negative credit.

I think Virgin are such a disgrace as a company that they need customers!
Thye got everything about our account wrong from the beginning, service was rubbish, customer service was a joke, billing was always wrong and when we finally complained and cancelled because of the service they tried to charge us 3 months for cancelling.

As I have no fears from companies threatening me anymore, I told them I was prepared to pay them £5 per month - we were contracted and I really couldnt be bothered to play.
They refused that and referred us to a DCA who I told would get £1.

That is exactly what we pay.
Sorry Butts but I hope they work out better for you!

Rikw, why would anyone want to try any other avenues to get credit after all the problems it brings.
There is no better feeling knowing that the money I spend now is mine and cash! DMP has been running for over 5 years, I have recently been advised to lower my payments as the cost of living etc has gone up. We have never been so well off, seriously I wouldnt want any kind of credit again.

_________________
"The cost of living is going up and the chance of living is going down"


Top
 Profile  
 
 Post subject: Re: Virgin Media Credit Check
PostPosted: Sun Jan 23, 2011 3:04 am 
Offline
Master-Poster

Joined: Tue Oct 16, 2007 11:32 am
Posts: 879
Location: X W.MIds - Now Fife-now Stirlingshire
red24 wrote:
Butts it seems its not difficult to get a service from Virgin, we did just that a year or so back with all the usual negative credit.

I think Virgin are such a disgrace as a company that they need customers!
Thye got everything about our account wrong from the beginning, service was rubbish, customer service was a joke, billing was always wrong and when we finally complained and cancelled because of the service they tried to charge us 3 months for cancelling.

As I have no fears from companies threatening me anymore, I told them I was prepared to pay them £5 per month - we were contracted and I really couldnt be bothered to play.
They refused that and referred us to a DCA who I told would get £1.

That is exactly what we pay.
Sorry Butts but I hope they work out better for you!

Rikw, why would anyone want to try any other avenues to get credit after all the problems it brings.
There is no better feeling knowing that the money I spend now is mine and cash! DMP has been running for over 5 years, I have recently been advised to lower my payments as the cost of living etc has gone up. We have never been so well off, seriously I wouldnt want any kind of credit again.


Hi Red,

So far so good......

Beggars can't be choosers -unfortunately :mrgreen:

_________________
The only consistent thing about Creditors is their inconsistency-C Butts 2008 - My Lawyers are Watching - Hopefully my Creditors are not!!!


Top
 Profile  
 
 Post subject: Re: Virgin Media Credit Check
PostPosted: Sun Jan 23, 2011 12:23 pm 
Offline
Ultimate-Poster
User avatar

Joined: Sat Aug 25, 2007 2:55 pm
Posts: 1017
:mrgreen: :mrgreen: :mrgreen: yep they certainly are a shambles

when I signed up with them (2 years into my DMP) I used the 'nominated by a customer' intro - there was a £50 bonus - they paid it twice :-D :-D :-D

_________________
"Sometimes my perception of my own brilliance is only surpassed by its reality"


Top
 Profile  
 
 Post subject: Re: Virgin Media Credit Check
PostPosted: Sun Jan 23, 2011 12:36 pm 
Offline
Master-Poster

Joined: Tue Oct 16, 2007 11:32 am
Posts: 879
Location: X W.MIds - Now Fife-now Stirlingshire
DuffNCustard wrote:
:mrgreen: :mrgreen: :mrgreen: yep they certainly are a shambles

when I signed up with them (2 years into my DMP) I used the 'nominated by a customer' intro - there was a £50 bonus - they paid it twice :-D :-D :-D



Jammy Bugger :mrgreen:

_________________
The only consistent thing about Creditors is their inconsistency-C Butts 2008 - My Lawyers are Watching - Hopefully my Creditors are not!!!


Top
 Profile  
 
 Post subject: Re: Virgin Media Credit Check
PostPosted: Mon Jan 24, 2011 9:36 am 
Offline
Elite-Poster
User avatar

Joined: Tue Nov 14, 2006 10:04 am
Posts: 579
Location: South of North
Butts wrote:
Hi Red,

So far so good......

Beggars can't be choosers -unfortunately :mrgreen:


Just to give you some hope...

Maybe I've just been very lucky (but not 2x £50 lucky!! :roll: ) but I've been with Virgin for over 9 years now - before broadband days - and have never had a moment's problems with them. No service probs, no billing probs and (now) a very high speed broadband connection.

So here's wishing you the same! :D


Top
 Profile  
 
 Post subject: Re: Virgin Media Credit Check
PostPosted: Mon Jan 24, 2011 12:42 pm 
Offline
100 Club

Joined: Mon May 19, 2008 7:39 pm
Posts: 161
Red 24 I think that my message didnt get across in the way I intended. I meant to say that there is still avenues there to tempt people, even with a bad history. In my case I knew I had the funds available to clear that indiscretion in a few days, there is no way in the world would I have applied for a payday loan otherwise would have waited. Unfortunatly there are people out there with major debt problems, who for whatever reason will find credit at rip off rates despite being on DMP etc.


Top
 Profile  
 
 Post subject: Re: Virgin Media Credit Check
PostPosted: Tue Jan 25, 2011 10:56 am 
Offline
Ultimate-Poster

Joined: Thu Aug 21, 2008 10:24 am
Posts: 1154
Virgin has an infrastucture fully up and running and another customer actually costs them zero risk in the numbers game, they are supplying a service and not lending you money. If you fail to pay they can switch you off in a heartbeat so the credit isn't quite the same as lending you cash.

But with regard to credit ratings, in the last major recession of the early 90s, millions of people got in to financial trouble with credit and lived to regain the ability to borrow far more at a later date in history. It is just a matter of time before history will repeat, the banks exist by lending other people's money and charging exhorbitant interest...as soon as this squeeze ends they will be back to lending to all and sundry. What you can bet on is, in a few years time there will be another crash in which the majority of victims will be the schoolkids of today.


Top
 Profile  
 
 Post subject: Re: Virgin Media Credit Check
PostPosted: Wed Jan 26, 2011 12:28 pm 
Offline
Hi, I'm New

Joined: Fri Nov 19, 2010 2:07 pm
Posts: 12
I have found Virgin really good in terms of service etc... so if they will allow b/band and tv etc then go for it!! You need to have a life as well and pay off the IVA, and TV/BBand is nowadays a need not a luxury :)


Top
 Profile  
 
 Post subject: Re: Virgin Media Credit Check
PostPosted: Thu Jan 27, 2011 11:29 pm 
Offline
Ultimate-Poster

Joined: Sat Jan 20, 2007 11:11 pm
Posts: 1284
Location: Up the road from you!
rikw wrote:
Unfortunatly there are people out there with major debt problems, who for whatever reason will find credit at rip off rates despite being on DMP etc.


Yes, been there done that one and had to sell a house in the process, I understand where you're coming from.

I agree history will repeat itself, the kids of today know little better from their parents who took the money to spend on all the things they needed to show off to the neighbours, so why should their kids do anything different unless theyve been taught its wrong.
The temptation will surely be there again.
I have no interest at all in knowing what my credit rating is, most of the debt will be 6 years old in a few months and will be taken off the file but I'm not bothered about it - I still deal only in cash.


Butts I hope Virgin works OK for you, good luck, theres got to be some happy customers hasn't there!

Dollylocks unfortunately I don't agree TV/BBand is a luxury not a need, it is anything but in our house and if i didnt have a husband it would be the first thing to go.
I need BBand for work but could use a dongle for that if I had to so I'm not really reliant on anyone for that service.

Be careful its all going to come back to bite us on the bum if we let it.............

_________________
"The cost of living is going up and the chance of living is going down"


Top
 Profile  
 
 Post subject: Re: Virgin Media Credit Check
PostPosted: Fri Jan 28, 2011 12:14 am 
Offline
Distinguished Poster
User avatar

Joined: Mon May 21, 2007 1:53 am
Posts: 2052
Location: Lincolnshire, UK
dollylocks wrote:
I have found Virgin really good in terms of service etc... so if they will allow b/band and tv etc then go for it!! You need to have a life as well and pay off the IVA, and TV/BBand is nowadays a need not a luxury :)
I am afraid I cannot agree with that sentiment.

Okay, these days TVs are in the main bought outright, as opposed to the old days where they tended to be rented. But their primary purpose is to 'entertain' and 'entertainment is most definately a luxury. And with the cost of a TV licence they are not cheap to 'run'. You do not "need" a tv to survive. You do 'need' a roof over your head and food and water.

Broadband, or indeed any kind of internet access at home is also a luxury, as anyone can access the Internet via Broadband for free from most Libraries up and down the Country.

_________________
Do Not Let Debt Collectors Get You Down. It Is NOT a Criminal Offence To Owe Money (except Council Tax & Tv License) Just Give Them As Good (or bad) As They Give You. Information & Advise given in my posts is based on personal experience and should not be taken as the norm. Each Case is different.


Top
 Profile  
 
 Post subject: Re: Virgin Media Credit Check
PostPosted: Fri Jan 28, 2011 9:02 am 
Offline
Master-Poster

Joined: Tue Oct 16, 2007 11:32 am
Posts: 879
Location: X W.MIds - Now Fife-now Stirlingshire
I understand where your coming from Gazza with regard to "Virgin Media" being a luxury.

However it is allowable on a DMP - I only have a basic package not Movies and Football etc. I needed a landline and internet for job seeking and the flat I lived in didn't have a very good TV reception using the normal aerial.

In this day and age it is difficult to live without these modern accoutrement's and Libraries hours are constantly being reduced.

_________________
The only consistent thing about Creditors is their inconsistency-C Butts 2008 - My Lawyers are Watching - Hopefully my Creditors are not!!!


Top
 Profile  
 
 Post subject: Re: Virgin Media Credit Check
PostPosted: Fri Jan 28, 2011 10:48 am 
Offline
Ultimate-Poster

Joined: Thu Aug 21, 2008 10:24 am
Posts: 1154
You are right Butts, being in debt doesn't mean you have to wear a 'hair shirt'. If I am to believe the media, prison inmates get Broadband and Sky Sports.

Good luck...


Top
 Profile  
 
 Post subject: Re: Virgin Media Credit Check
PostPosted: Fri Jan 28, 2011 10:56 am 
Offline
Master-Poster

Joined: Tue Oct 16, 2007 11:32 am
Posts: 879
Location: X W.MIds - Now Fife-now Stirlingshire
simont23 wrote:
You are right Butts, being in debt doesn't mean you have to wear a 'hair shirt'. If I am to believe the media, prison inmates get Broadband and Sky Sports.

Good luck...



Hi simon ... yes I adopt the "Chandjay Creative Accounting Mantra"

_________________
The only consistent thing about Creditors is their inconsistency-C Butts 2008 - My Lawyers are Watching - Hopefully my Creditors are not!!!


Top
 Profile  
 
Display posts from previous:  Sort by  
Post new topic Reply to topic  [ 15 posts ] 

All times are UTC


Who is online

Users browsing this forum: Google [Bot] and 14 guests


You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum

Search for:
Jump to:  
Powered by phpBB © phpBB Group
© Totemic Limited 2014. Totemic Limited is registered in England with Company No. 02789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham, NG31 0AE. Totemic Limited is authorised and regulated by the Financial Conduct Authority. Totemic Limited is an appointed representative of Reach Financial Services Limited which is authorised and regulated by the Financial Conduct Authority. Totemic, the Totemic logo, Payplan, and the Payplan Logo are all trademarks of Totemic Limited.