Virgin charged interest on 0%

Ja17nby

I took out a virgin card based on the 0% balance transfer rate. When I first took out the card the number to be transferred from was wrong for some reason and the transfer was reversed. The person I spoke to said to transfer it again once it was done. Once it was corrected I transferred online to the right card and thought all was well. Since then I had been paying off around £110 each month only to recently find out I had been paying £70 a month interest. When I rung to ask why I was basically told it was my fault for not putting the code in and the web page would have shown the standard rate. I have since transferred as much as I can to a card with a 0% balance transfer rate but I am still a few hundred down which I cannot afford. I would like to have the interest refunded to reduce my outstanding balance. I've have a photo showing the terms I was given stating any transactions made before November would be at 0% there is nothing saying I needed a code. I have spoke to them twice hoping the second time a different operator might have a sympathetic view but have been told when I did it online I was told it would be at the standard rate. Do I have a leg to stand on or should I chalk it down to experience I have written to them financial ombudsman and emailed Virgin as a complaint. Fair play if I missed something when doing the transfer but based on the dicumentaion sent with the card saying any transfer before November I feel I'm well within my rights to a refund.

grumbler

Complain in writing (or by a e-mail), then complain to the FOS if needed.

By email:
You can contact us by email at [EMAIL="customerrelations@virginmoney.com"]customerrelations@virginmoney.com[/EMAIL]. Please remember, information sent by email may not be secure, so we’d suggest you follow our policy of not sending any details of a personal or sensitive nature by email.
In writing:
Please write to us at:

Customer Relations
Virgin Money
Jubilee House
Gosforth
Newcastle upon Tyne
NE3 4PL
Our Complaints Process
However you choose to contact us, if we can’t resolve the problem straightaway, we will promptly acknowledge your complaint. We will aim to resolve your complaint within eight weeks, keeping you informed of progress. If there is any reason for a delay we will let you know.
Click here for information about our complaint volumes.
Financial Ombudsman Service

We aim to resolve any concerns you raise with us internally. However, where you are not satisfied with our final response, or if eight weeks have passed since you first raised the matter with us, you have the right to refer your case to the Financial Ombudsman Service.
Contact details for the Financial Ombudsman are as follows:
Address
Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Telephone
0800 023 4567
Free for people phoning from a fixed line (for example, a landline at home)
0300 123 9 123
Free for mobile phone users who pay a monthly charge for calls to numbers starting 01 or 02
Email
complaint.info@financial-ombudsman.org.uk
Website:
https://www.financial-ombudsman.org.uk

http://uk.virginmoney.com/virgin/contact/

Ja17nby

Cheers I've done both of those ill keep my fingers crossed. Does anyone more knowledgable than me think I have a leg to stand on?