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Virgin Minimum payment changes - can I do anything?
Comments
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A lot of people contacting MBNA on a first offence of missing payments, if they are humble and agree to set up a minimum DD payment, usally get the £12 refunded and the 0% re-instated.
Can anyone actually confirm if they have had their 0% rate reinstated. The first line contact I spoke with today said that they could only offer a reduction from 18% to 9.9% on my account. They did not have the option of 0% :-(0 -
Can anyone actually confirm if they have had their 0% rate reinstated. The first line contact I spoke with today said that they could only offer a reduction from 18% to 9.9% on my account. They did not have the option of 0% :-(
Did you call the number/team I provided in post #12?0 -
YorkshireBoy wrote: »Did you call the number/team I provided in post #12?
Yes I did call that number yesterday and I only got through to the normal customer service team - who couldn't do anything. I was told to wait until a manager calls me back - which should be with 48 working hours since my call at 9am on Saturday.0 -
If you fail and don't want to argue it any further, I would keep a record of the details just in case further down the line someone successfully challenges these "gotcha" situations. There is an argument that taking away these rates when you're late with a payment is a disguised penalty charge. Penalties should not be greater than a reasonable estimate of the costs of the breach.
BTW I don't believe that myself, but you never know!0 -
Hi,
I should now have my 0% Interest promotion reinstaled. It took three phone calls, and the first two times I was fobbed off. So I think it depends on whom you actually get to speak to (or more likely which manager the advisor speaks to). I also think I've been refunded th1 £12 aadmin fee for the short payment.
I suspect that there will be a few days interest on £4k so I might have to make another call or write to see if I can claim that back. I'll post back when my next statement arrives.
So thanks for your advice.0 -
Well done! Thanks for the update.0
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