OPS Direct debit issue

racer280465

Hi All,
Please be gentle with me!

I did a balance transfer to a Virgin card at 0% (5% transfer fee) for £7750 in feb, then went on hols.

It appears that the DD to virgin somehow got canceled, and while i was away, it missed the payment to virgin.

It now appears that this has resulted in the lapsing the offer (meaning i owe £200 in interest already) and will only re-instate a 9.9% rate.

Is there ANY way around this, or some form of begging that may work in getting the 0% re-instated? This was part of a 12onth stratergy, and was VERY important.

HELP!

racer280465

Any help welcome.

Fruit_and_Nut_Case

racer280465 wrote: »

OPS Direct debit issue

Sorry to be thick but what does OPS mean in this context?

themull1

How did it get cancelled? sometimes when you set up a dd, you may have to pay the first payment seperately to give time for the dd to set up.

racer280465

Ops as in ops i made a mistake lol.

not sure right now why or how it was cancelled, i certainly don't remember cancelling it, although i did close some DD's recently. In any case, i have received no statement from Virgin at any point since the transfer until after i had "missed" the payment.

SnowTiger

racer280465 wrote: »

It appears that the DD to virgin somehow got canceled, and while i was away, it missed the payment to virgin.

Perhaps your first step should be to find out who cancelled the direct debit and why.

racer280465

I'm trying, not getting very far at the mo.Nat west trying to tell me it never existed, although i can show it has.

CLAPTON

well, basically your only options are either to try to use your charm to get it re-instated or to get another BT card

you can't rely on a DD being set up until the statement actually says something like '' this will be taken by DD on or after the xx of the month"

racer280465

They didn't actually send me a statement for the payment that appears to have been missed, does that help?