Help with Virgin CC

misstrouble

Hi, I am new to all of this but would like some help pls!! We have a virgin cc on the 0% balance transfer. Have been paying this off fine until this month I went to pay it online, but the payment was returned as I had not put the cc number in the banks online details. When I realised the next day I paid the cc from another acct but this has resulted in a late payment by one day and now back onto the high interst rate. I have spoken to Virgin but they refuse to change the rate back to 0%. I was wondering if anyone else has ever got the rate changed back ??

Sorry for waffle thanks in advance!

staffie1

Similar situation I was in - due to paying 1 day late put me back on rediculous interest rate and charged me 12 quid for the priviledge. Luckily I had some savings so I paid the account off in full and told them where to stick their credit card.
What a great feeling that was !

misstrouble

Thanks for the reply, as much as I would like to be able to do that I just can't afford to at the moment:mad:

Degenerate

Ring them up, explain exactly what happened, acknowledge that it was your mistake, apologize profusely, and politely request them to waive the charge and reinstate the 0% offer. That has worked for others - maybe you just got a tough CSA first time.

misstrouble

Thanks but I tried that and was told that they were unable to open the product, which I do not belive as they are still offering the deal. When I asked to speak to someone higher I was told I would get the same reply!! Not really that happy with them, could understand if it was week or to late but a day.

staffie1

misstrouble wrote: »

Thanks but I tried that and was told that they were unable to open the product, which I do not belive as they are still offering the deal. When I asked to speak to someone higher I was told I would get the same reply!! Not really that happy with them, could understand if it was week or to late but a day.

If I were you I would look to switch to another 0% BT deal with a different provider and close the virgin account. You will have to swallow an approx 2.5% fee with the new provider, but that will no doubt be cheaper than the interest virgin will charge you if you don't switch.
You might be successful if you keep ringing them up and asking, but virgin are so arrogant and uncaring in my opinion that they probably won't budge and all the time you're messing around, you're running up interest charges.
Dump them and be rid.

YorkshireBoy

Degenerate wrote: »

Ring them up...

Call customer loyalty on 0800 783 1116 during office hours.

misstrouble

Thanks for that!!! I called today, explained that I had made an error and that I could not afford the interest. A lovely man took the details then called me back within 5 mins and said that they would put the 0% back on if I set up a dd:j So now all sorted. Amazed this could not be done the first time around though.