Virgin Not Changed To Minimum

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Hi All,

I have an account with which i keep just enough to cover payments etc, (to stop the fraudsters getting at my money!)

I got the usual letter from Virgin the other month stating that they would be changing my usual £200 a month payment to the minimum and this would come into effect on the 1st December 2008. Alas, on the 4th December they debited £200 again, not really a problem but because i was only expecting a debit of £25 this has now put my account overdrawn and I have been penalised with a charge of £22 by barclays, plus had a black mark put against my account.

I was going to call Virgin but there is no one there after 1pm on a Saturday.

What would you guys suggest i say / do.
regards

Mark
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Comments

  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
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    If your statement had already been produced, the change would take effect the following month (January?).

    Whatever your statement says regarding your DD amount is 'set in stone' (for your own protection under the DD guarantee).

    What payment did your statement say would be taken?
  • FireworkCrazy
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    From memory £25, couldn't tell you now as it's shredded!
    regards

    Mark
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
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    I think you'll find that 'with effect from 1st December' means for statements produced after that date.

    Since the statement for the payment due on 4th December would have been produced early to mid November, it will have said £200 would be collected.

    I don't think you'll have a leg to stand on here.
  • FireworkCrazy
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    We'll as far as im concerned the letter states the 1st December, it doesn't state that statements produced from the 1st december.

    I have written a letter of complaint and posted it to them so we will see what happens.
    regards

    Mark
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
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    We'll as far as im concerned the letter states the 1st December, it doesn't state that statements produced from the 1st december.
    You still have the letter then?
  • normanmark
    normanmark Posts: 4,156 Forumite
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    I agree with YorkshireBoy. When your statement is printed the date when the direct debit is taken is clearly stated & doesn't change. Any amendments to your payment schedule or method is always applied to the following statement. They cannot go back & amend statements that have already been printed.
  • FireworkCrazy
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    Yes, but i've had three statements since this letter.
    regards

    Mark
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
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    Yes...
    If you reproduce the contents here you could get a second opinion on it's ambiguity.
  • normanmark
    normanmark Posts: 4,156 Forumite
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    Yes, but i've had three statements since this letter.

    It wouldn't make a difference, it'll probably count towards statements that are compiled from 1st December or after that date.
  • FireworkCrazy
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    Like I said the letter states that the changes will take affect from the 1st december, it doesn't state that statements after 1st december. It's not my fault they can't write letters properly.

    Yes i still have the letter and have sent them a copy.
    regards

    Mark
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