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Re: late payment charge
If a bank informs Virgin of a change of details before the previous direct debit instruction takes a due bill, then the debit of funds is cancelled.
As an example:
Bill Date 1st Feb with Due Date 18th Feb
Virgin get an 'account transferred' instruction on the 10th of Feb. the 18th of Feb payment would not be taken via D/D. Virgin would not take it from the old details because the 'account transferred' instruction basically says the old account doesn't exist anymore. Virgin AFAIK would not be able to use the new details as they have no specifially written to customer saying an amount would be debited from that bank account (as per the D/D guarantee)
I'm sure Virgin would look at crediting the £10 late fee as it was down the bank rather than the customer
I would however suggest you call Virgin and pay the overdue amount, otherwise you will get restricted before the next d/d is taken. If you do this, make sure they then alter the pending d/d to take the card payment into account!
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