LOOK OUT - Virgin aren't all that nice..

tink80

Just thought I would raise this with people who are transferring to virgin credit card for their nice 16month 0% interest to be aware of. I did this 3 months ago and they said that my payment didn't reach them in time and I therefore breached contract and lost the 16 months 0%. Because the payment was 1 day late. they also charged me £12 fee for not paying. now, 2 months later they have put on the interest.

I have just spoken to them and they have 'kindly' put me back on the interest free from next month, but I have to pay the interest this month, so its worth talking to them if this happens to you.

What erks me, is that I made a payment on THE SAME DAY I received my credit card details and the payment due date. I could not have paid it any sooner because I didn't have the details and the payment takes 4 days to clear. I even phoned them to speak to them to say that I knew that it wouldn't have cleared in time. Feel a little swizzled... so look out. :mad:

Its like they are trying to catch you out on every corner!

Innocent_Guy

tink80 wrote: »

Just thought I would raise this with people who are transferring to virgin credit card for their nice 16month 0% interest to be aware of. I did this 3 months ago and they said that my payment didn't reach them in time and I therefore breached contract and lost the 16 months 0%. Because the payment was 1 day late. they also charged me £12 fee for not paying. now, 2 months later they have put on the interest.

I have just spoken to them and they have 'kindly' put me back on the interest free from next month, but I have to pay the interest this month, so its worth talking to them if this happens to you.

What erks me, is that I made a payment on THE SAME DAY I received my credit card details and the payment due date. I could not have paid it any sooner because I didn't have the details and the payment takes 4 days to clear. I even phoned them to speak to them to say that I knew that it wouldn't have cleared in time. Feel a little swizzled... so look out. :mad:

Its like they are trying to catch you out on every corner!

Hi This has been raised many times before. Please use the search box if you require any further information

Congrats in getting in re-instated as some were not as lucky

tink80

I'm glad it has come up - I obviously need to read the forums more as I missed that one...

speedbird1973

to be fair if you paid on the same day you got your first statement you have a good case and it was resolved ok.

Normally people late and then get stressed. It is clear in your T & C that you lose the deal for paying late. However it seems your case was a bit different. glad you got it sorted.

Innocent_Guy

tink80 wrote: »

I'm glad it has come up - I obviously need to read the forums more as I missed that one...

Welcome to MSE anyway

cifpower

If you are on a 0% rate ALWAYS set up a direct debit for the minimum amount and then you can overpay as and when

Innocent_Guy

cifpower wrote: »

If you are on a 0% rate ALWAYS set up a direct debit for the minimum amount and then you can overpay as and when

I have DD set up for EVERYTHING.

The above is a good piece of advice. Remember the lender usually sends you confirmation once DD is set up