Help with Virgin/Mbna Card Charges

saayinla

Hi All,

I took out a balance tranfer card from Virgin about 7 Months ago and called my other cards in order to keep just the virgin one until the balance is paid off, I setup standing order top make sure I didnt miss any payment, however during the first couple of months I made payments manually but my second payment got credited to the card on the last day of the previous statment thereby causing my standing order from the following month to get credited after the minimum payment receive by date.

But I was charged £12 and thought that was the end of it, I have just casually logged on online to checkmy statement and realised I had ben charged £75 in interest , consused, I look through my other statements only to realise I had been charged going back 6 months totaling over £500.

Livid I called up Virgin, only to be told that because I had a late payment, they had cancelled my 0% rate till 2016 and now replaced it with 18.9%! but he will be happy to change that to 1.9% and also refund my last month's Interest charges but unable to back the whole 6 months.

Is there a way I can get them to refund the whole remaining 5 months charges? I know it might have been in the small prints which kind of means its my fault but nonetheless anyone know how to get Virgin to get the Charges refuned.

Thanks in advance.

chanz4

yes be kind to them, anything will be a gesture only

SuperHan

For future reference, a standing order does not make sure that payments are made as statement dates changed.

Only a direct debit for the minimum amount will prevent this from happening, and in those cases if anything does go wrong, it's usually their or the banks fault so you have some recourse.

In this case, anything is goodwill, so be nice as pie and grovel lots.