Watching TV

Creditor Guide: Virgin Media

Virgin Media is a large UK telecom company with a huge 45.8 million UK connections across broadband, mobile, TV, and home phone services, Virgin Media is a household name for communication and entertainment needs.

During the current cost of living crisis, Virgin Media’s regular charges are tough for many people. These essential services are necessary but can strain household budgets, especially during tough financial difficulty.

Missed Virgin Media Payments

Missing payments with Virgin Media can affect your services and finances. If you pay late, you might be charged a £7.50 fee, and your services could be restricted. This could mean slower broadband speeds or limited access to Freeview channels. If you use Virgin Media’s home phone service, you might only be able to receive calls, though emergency calls will still work.

If restrictions are needed, Virgin Media will try to contact you about the payment needed to restore your full service. If they can’t reach you and you don’t pay, your services might be disconnected completely.

What If You Can’t Make a Payment in Full?

If you’re unable to make a payment in full, Virgin Media has a few options available:

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Instalments – So long as you don’t pay by Direct Debit, you’ll be able to pay your bill online using a credit or debit card. This way, you’ll be able to choose how much you pay, meaning you can break the bill down into more manageable chunks.

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How to find your Virgin Media account balance after part payment – To find out how much is still owed after a part payment, you must visit your My Virgin Media account, click on ‘My Bills Here’ and you’ll see your latest bill amount, and any payments you’ve made towards that bill since it was produced. Alternatively, you can find out how much you owe by calling their automated payment service on 0800 064 3777.

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Payment hasn’t appeared on your bill – Depending on the payment method you’ve used, it could take several days to show on your account. See How do I pay my Virgin Media bill? for more information.

If Your Financial Circumstances Have Changed

If your circumstances have changed, Virgin Media can support you. They have options to help, depending on what situation you’re in. They vary from giving a few extra days to pay your bill, to offering you a reduced service for up to six months so that you can stay with them while paying back what you owe in an affordable way. If your circumstances mean you can’t take any of their options, they may place your account with one of their agencies who will be able to help you make payments over a longer time period.

Your Credit Rating

Not paying your Virgin Media debts could damage your credit rating, which could impact your chance to borrow money in the future. However, paying your bill on time or contacting Virgin Media directly to tell them you’re struggling to pay will allow them to help with other arrangements, making your bill more manageable. Virgin Media has a helpful article that talks about payment issues on your bills here.

Help With Virgin Media Debt

If you’re having trouble with Virgin Media debt, the team at Angel Advance can help. We offer free, confidential, no-obligation debt advice any time, day, or night via our online debt advice tool. If you’d prefer to speak with one of our expert debt advisors instead, you can call us on 01925 599400 or email

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