Virgin and MBNA

Jubilee_2012

I have recently brought a newish car which I was supposed to pick up Friday - I applied for a Virgin money transfer to pay towards it but it was going to take 5-7 days to come through (I did tell them I already had an MBNA card and asked if it would be affected, they said no) I had enought credit on my MBNA card to pay for the car so I planned to do this as a temporary measure until the Virgin money transfer went through. I rung MBNA to get a new pin number as the card hadn't been used for a while they asked me if I was going to make a large purchase and offered to transfer the money into my account in the next couple of days which I agreed too. The money didn't arrive so I rung up and they told me they had canelled the transfer as I had applied for the Virgin card. The only option then was to pay for the car on my card but they had also reduced my credit limit in line with my new Virgin card so now I couldn't even to that. I can't understand why they didn't discuss this with me as on both occassions they took my number and now it is going to be really difficult for me to pick the car up and I have a couple of long journeys to go on in an unreliable car.:mad: my question is 'can they reorganise my finances like this without telling me?

tomsco

Jubilee_2012 wrote: »

I have recently brought a newish car which I was supposed to pick up Friday - I applied for a Virgin money transfer to pay towards it but it was going to take 5-7 days to come through (I did tell them I already had an MBNA card and asked if it would be affected, they said no) I had enought credit on my MBNA card to pay for the car so I planned to do this as a temporary measure until the Virgin money transfer went through. I rung MBNA to get a new pin number as the card hadn't been used for a while they asked me if I was going to make a large purchase and offered to transfer the money into my account in the next couple of days which I agreed too. The money didn't arrive so I rung up and they told me they had canelled the transfer as I had applied for the Virgin card. The only option then was to pay for the car on my card but they had also reduced my credit limit in line with my new Virgin card so now I couldn't even to that. I can't understand why they didn't discuss this with me as on both occassions they took my number and now it is going to be really difficult for me to pick the car up and I have a couple of long journeys to go on in an unreliable car.:mad: my question is 'can they reorganise my finances like this without telling me?

They can decrease your credit limit, but the person you originally spoke and advised you most likely did not know this was about to occur (just keep that in mind when you do call back, not to blast them) as it was most likely done by someone in the back office.

It may be worth ringing up for a complaint though, as although the staff member technically didn't advise you incorrectly, actions taken by themselves made that advice incorrect in the meantime.