Virgin Credit removed promotional rate without a warning - learn from my misfortune!

Chrysalis

you had a warning, when you get the card you informed if you breach the terms of the credit agreement you forfeit the promotional offer.

I got lucky on my tesco 0% purchase card, somehow there was no direct debit setup, I am pretty sure one was setup, manual payments were been made but they were considered topups, then the first month no manual payment was made I was informed I missed a payment and was obviously aware at that point of the problem, tesco accepted my explanation and let me keep the promotional deal, but they would have been within their right to remove it.

Now I check my card accounts every month to ensure the DD is active.

[Deleted User]

Good one takman
I'll use this excuse if i ever get pulled over for speeding; "Officer i cannot possibly have been speeding as a limit is something you can't get past"

I'm going to use the 'these aren't the droids you're looking for'

urah

I am interested in Virgin not notifying its customers of its decision to withdraw its promotional 0% rate. I think it runs contrary to basic obligations and good administration in general.

Virgin has just done to me what it did to you. I have complained to Virgin and to the ombudsman about the refusal to notify, but without any luck.

I think the only option I have left is to go to the Small Claims Court on the grounds of e.g. breach of implied contractual term (i.e. that Virgin would notify me of any withdrawal of its promotional rate or other decision it may make that could have significant adverse implications for me), or breach of duty of care. Presumably prospects of success are not weak, but I do think there is a fundamental point to be made here. Interested in any thoughts anyone has on this.

[Deleted User]

urah wrote: »

I think the only option I have left is to go to the Small Claims Court on the grounds of e.g. breach of implied contractual term (i.e. that Virgin would notify me of any withdrawal of its promotional rate or other decision it may make that could have significant adverse implications for me), or breach of duty of care.

The problem you have is they haven't breached the contractual term - rather you did. You were informed that you would lose the promotional rate if you breached the terms when you entered the agreement.

It's then also confirmed in your next statement.

urah wrote: »

Presumably prospects of success are not weak,

I disagree. I think your prospects of success are very weak.