Hi All,
I had an account with virgin back in 2004. Due to my financial situation I could not keep up with payments and started missing payment around march/april 2008.
I got a letter last week and got another one this week saying it will be passed onto scott call and they will visit my house to recover the debt.
I had a look through my credit file and it says that I started missing payments in April 2008 but they put the account in default back in October 2008 which was after the 5th continuous missed payment in September 2008.
Any help will be appreciated. Shall I start by sending CCA and SAR requests.
Please advise.
I had an account with virgin back in 2004. Due to my financial situation I could not keep up with payments and started missing payment around march/april 2008.
I got a letter last week and got another one this week saying it will be passed onto scott call and they will visit my house to recover the debt.
I had a look through my credit file and it says that I started missing payments in April 2008 but they put the account in default back in October 2008 which was after the 5th continuous missed payment in September 2008.
Any help will be appreciated. Shall I start by sending CCA and SAR requests.
Please advise.
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