I use Virgin, Barclays, Lloyds and First Direct. I've been with Virgin for 5 years and it was the worst and decided to close my account. They are extremely rude, and have the policy "If you don't like it, close your account. We don't care'.
I've been with Barclays for 15 years. I've had a few troubles, but overall they try hard and I'm happy to keep it. Lloyds and First Direct are ok too. It's normal to have a few problems and see bad customer reviews on-line, but I saw Barclays staff try to reply to some comments whereas Virgin never have. That shows a lot about the bank.
I write to warn others of getting involved with Virgin Money. In 2011, I took out a Virgin Money Credit Card, it was the 0% account on balance transfers, perfect for my particular situation at the time. Despite having set up my direct debit, I was one-day late. That's right, just one day. However, it wasn't until one year later (when I received my annual statement) that I saw I had had the 0% offer withdrawn, due to being one day late.
The cost? Virgin charged me over £1,300. Be warned, this is not the so-called friendly company they claim to be. Awful behavior.
Mini miaouw found this review useful
Home insurance renewal: Got charged £20.00 fee for having not enough money in my bank for a newly created direct debit from a completely different company. Updated documents never sent out and no authorised direct debit mandate in place with new company. Promised a refund but failed to materialise. Changed amount, changed date and they think they can dip into my account whenever it pleases them. Policy cover is worse than the previous year and they say it's "all automatic". That includes taking a fee + the regular monthly amount at the same time = 2 separate direct debits!
Refund by CHEQUE? Waited over a month, FSA will be notified.
Unbelievable, what if I have to make a claim? Imagine the disgusting service? Seeking new home insurance company.
After a recent house burglary I had to cancel all my cards. Virgin were the only ones who:
Spoke English so I could understand them
Actually sounded genuinely concerned
Checked my balance and purchases to look for fraud
Sent new details quickly
Didn’t try and sell me something at the end
To reply as a company, please sign up here.