Virgin Card Transfer

Jarlath_2

Hi, my wife just noticed that the transfer to 0% interest she made to a Virgin card in November 11 at a cost of nearly £100 has been charged full rate ever since. There was a mistake with the setting up of DD payment which caused the December payment to be a 3 days late in hitting the account so the 0% interest rate which she paid for was withdrawn. The account was setup so that there was no statements only emails. The lady in virgin was not helpful at all. I will be closing all Virgin accounts and will not use virgin products again.

exel1966

Perhaps you should have read your e-mails and logged into your on line account and read at least one statement in the past 8 months. No excuse for being lazy is there ! Bit late now really isn't it ! Funny how this story appears every week from a newbie or is that a T ?

Jarlath_2

Complacent maybe...lazy no. I thought it was a bit of a rip off. The point is that Virgin was very unhelpful and both she and i have always paid our accounts on time. I know that other providers will wave the rather heavy handed fee in circumstances where the customer has mistakenly missed a payment. Is it funny..and what is a T?

timbo58

a T is a troll.

I've been with Virgin CC, (which I started as rate tarting for their 0% transfer rate for £3k +), for 4 years now, I had another offer of 0% in that time also which I took up (only card I've ever used that offered this again too), I missed one payment due to a screw up by the halifax when I changed bank accounts (and one I have documented elsewhere on MSE where I was compensated by Halifax after the FSA told them to!) I missed the payment day by 1 day.

I rang Virgin who could see from my records they had always, without fail, been paid early previously and they waived the late payment charge and carried on the 0% on my offer.

That's good Customer care in my book: had they charged me it would have cost a small fortune for the remainder of the balance (which I would have then been forced to borrow elsewhere and then paid virgin off immediately and never touched them again btw!)
So, I'm happy but I guess it depends on your previous 'history' with the CC provider.

zerog

You can close it, but you still have to pay the interest! Maybe if you made a complaint in December they would have helped you

Jarlath_2

Maybe it is down to who you get on the phone. It has cost us at least £400. Because the dd was setup it was assumed that everything was running smoothly. Just have to transfer the balances but not happy with Virgin at all. Like Richard though.

chanz4

But its your fault not theirs, t&cs are there for a reason and so are statements. If they broke something they promised you, you would want compo