help me understand Virgin please?

Shelldean

twist-and-shout wrote: »

With Virgin the Direct Debit will take min payment regardless of any overpayments you make. So you can either keep the D/D in place and make overpayments as often as you can or you can get your partner to cancel the D/D and set up a SO for a set amount.

Or i could leave DD and set up SO for small amount each mth????

The only thing about SO is if Virgin do a Change in T&C's and say change your payment due date or interest rate and you dont notice it's easy to get caught out and start making late payments. Not saying this would happen but it is possible.


Would possibly miss it even if we leave things as they are. OH not great at opening his letters, esp now theres no threat of late payments due to DD being in place. Missed the last interest rate increase as he never opened the letter. If I had realised then I'd have told them no thanks, please freeze interest and close the card, esp as he'd stopped using the card anyway.Getting OH to deal with virgin is like trying to stop the tide

Also if you get your partner to call and ask him to add you as an Authorised User on his account then you would be able to speak to Virgin yourself and allow you to register for their online service and make those overpayments.

Didn't know I could be added as authorised user that would certainly help things if I could deal with them. Think this might be our best option, cos then i can decide IF we can afford an overpayment and how much.

Thanks for your help