Whoopsie - how can I straighten this out?

Naomim

Hi All,

I have made a bit of a balls up this evening and not sure if I can straighten it out.

I owe £6500 on two credit cards, ALL of it is on 0% interest. It's all finishing this year and some very soon. My Virgin card has 3 different amounts as they kept offering long 0% deals so I transferred and closed smaller accounts elsewhere.

I owe my Virgin credit card
£812 - 0% ending April 2012
£1112 - 0% ending July 2012
£1551 - 0% ending Dec 2012

Nationwide Credit card
£2955 - 0% ending May 2012


I called Barclaycard this evening. I don't use my Barclaycard at all and had a credit limit of £12k :eek: I called to lower the limit right down. Anyway, they offered me 0% on balance transfers until October 2013:T In a fit of excitement and not having my paperwork near me (It's at work), I remembered I owed about 6k so told them to balance transfer £5k to my Virgin card. The thing is I don't owe £5k on there.

Will I just get a credit on the Virgin card? The Nationwide card is soon going to start interest @ 15.9% I know there are a couple of balance transfer offers on my Virgin Card at the moment (about 12 months) so if I transfer the Nationwide amount to Virgin, the credit of £1550 will reduce the debt to £1405 and I'll have that to pay at 0% interest again.

Does that make any sense and can I do that?

Naomi x

Ben8282

If you have just done this call back immediately (or as soon as they open in the morning), explain that you have made a big mistake and try to get them to stop the transfer. Be insistant.

Naomim

When I originally spoke to them about the BT they said it's non reversable. I did call back and say I'd made a mistake but they said nothing doing.

Naomi