[RichardCoulter]

I've had this before, but the bank said that no attempt was made (so there must be a record kept if this ever happens).

My late friend immediately cancelled with Virgin and, within days, whilst he was waiting for a final bill, they had the audacity to refer the account to a debt collection agency who sent a debt collector round! Luckily I was there and explained the situation to him.

@Corey If Virgin have added any extra fees on for late payment (no idea if they actually do or not),I would dispute this considering that your bank have confirmed that no effort was made to actually collect any monies due.

I would also advise you to check that Virgin haven't informed any credit reference agencies as this incorrect information could make any attempt to obtain credit from elsewhere more difficult or expensive. You can do this for free on the internet.