Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


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  1. #1
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    loupy2005 Novitiate

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    Question Virgin Media Charges

    I been with Virgin Media for years. I decided not pay by D/D 4 various reasons. as a result I get charged £4. recently I paid the bills late and was charged £10.50 for their late payment fee. They restricted my services as I haven't paid the fee.

    I asked customer service to explain the Breakdownicon for the late payment fee., but was unable to give me a answer.

    My question is should I reclaim these charges like reclaiming bank charges and whats the best way?

    Advice and feedbac welcome!

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  2. #2
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    Default Re: Virgin Media Charges

    Absolutely - I do it all the time! If you've got recent bills to get an accurate total, list all the late payment fines and non-DDM fees to give a total, then WRITE to Virgin Media and ask for the amount to be credited to your account. Incidentally, IF you can pay them DIRECT into their bank account using BACS, it negates their stance that it 'costs' them to process the paymnent.


  3. #3
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    Default Re: Virgin Media Charges

    I frequently have this issue with them - But have you noticed the payment slip at the bottom of the bill ? It's address to Barclaysicon' AUTOMATED BULK PROCESSING... So if the bank does it in bulk (and without human intervention), there's even more of a case for them wiping this charge.

    The BidsterMeister
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  4. #4
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    Default Re: Virgin Media Charges

    Hi, I also use virgin media and i recently got in touch with them about isues with my bill.
    they wrote off my bill all togeather when i complained so if i was you i would call them first before you send letters as they seem to be quiet understanding


  5. #5
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    Default Re: Virgin Media Charges

    Yes - but I'm saving the 'automated processing' argument for a later day. As I take everything from them (BB, Phone TV) and invariably pay my bills, they agreed to a quarterly credit - usually £12 (now £15) to cover these fees. During my last quartely call to request the fee refund, that staffer said he would process it on 'this occasion' as the quarterly credit was to be used only to give new customers to set up a DD. I explained that was immaterial to my case, as I paid via BACS under my control and as soon as they refused to credit, I'd challenge them in the courts. He wished me well!


  6. #6
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    Default Re: Virgin Media Charges

    Thanks 4 your advice. what do I say to these people, Knowing my luck I get get who don't understand and hang up. Any thoughts?


  7. #7
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    Default Re: Virgin Media Charges

    It's always easy if you pay by a method that causes minimal cosst to them. PayPoint, Debit and Credit card payments are always subject to processing fees by the banks, and also need staff to process them. Using PC Banking, or paying by Bank Giro means they get the FULL amount owed, and it is credited automatically with no manual intervention. This gives you the moral argument that your payment method doesn't cost them any more, and if they disagree, they should prove it.

    Unfortunately, anyone you speak to will be unable to negotiate in this way, so the easiest way to get the amound refunded is to refer to your lack of confidence in their billing system, as you have had incorrect bills in the past and you feel more secure paying them after the bill has been reviewed.

    Additionally, Virgin have to ensure you recieve the bill TEN days before any debit to enable you to review it, and this has never happened, so you fail to see why you should be penalised for their errors and inefficiencies.

    You are happy to remain a customer, but only if you are not being financially penalised for doing so. Therefore to prevent you taking formal steps to prevent the charge, wouldn't they like to stay friends and accept the money due from you?

    They probably will. And if the person you speak to is unhelpful, ask to be referred to a superviser, even if it means a call back.


  8. #8
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    Default Re: Virgin Media Charges

    Spoke a really unhelpful cow who also said she would be quite happy for me to leave virgin and its my fault the bill are not paid on time and very company has penalty charges could tell the Breakdownicon of the late payment fee. but I must read the T & C. on the back of the bill it states late payment fee MAY be charged

    Virgin are not bacing down

    Help!! what do I do now?


  9. #9
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    Default Re: Virgin Media Charges

    Easy, play them at their own game. Your original contract did not state they would attempt to levyicon 'Penalty Charges'. The addition of these fess are NOT part of your contract and you did not agree to them. They have the opportunity to removal all unfair charges, or you will seek to recover them through the courts if they cannot justify the amounts billed. As for 'other firms' doing it, this is not a valid reason, as you do not patronise firms that levyicon unfair charges.

    It would be best to pay all outstanding amounts LESS the amounts in dispute, as to have a debt outstanding for other services weakens your case.


  10. #10
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    Default Re: Virgin Media Charges

    I also contacted Virgin, charges aside, apparently you have to ask, but if you get the package of TV, BB and phone for £35.00, this is reduced to £30.00.

    They just have to input a code........but you have to ring and ask them to do this on an individual basis, SCANDALOUS!!

    Also, they rang me and offered both my DD fees (2 months worth + the late fee) = £20.00 if I paid them there and then. It was about 1 week past payment date.

    Late payment, I do believe you pay 1 month in advance (supposed to anyway)


  11. #11
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    Default Re: Virgin Media Charges

    Quote Originally Posted by loupy2005 View Post
    Spoke a really unhelpful cow who also said she would be quite happy for me to leave virgin and its my fault the bill are not paid on time and very company has penalty charges could tell the Breakdownicon of the late payment fee. but I must read the T & C. on the back of the bill it states late payment fee MAY be charged

    Virgin are not bacing down

    Help!! what do I do now?
    Suspect the lady you spoke to wasn't happy with all the calls they are getting about the dropped sky channels so was in a bad mood. May be worth calling again. Were you holding for a while. I held for an hour and a half to talk to them before but.......

    I am very happy with virgin media at the moment. When I first signed up I had Starter TV, BB size M, Phone size M for £30. This was upgraded when virgin took over to TV Size M, BB size M, Phone size M for £30. Called today and said I was thinking of moving to sky following the dropped channels and now I am now on TV size XL, BB size L, Phone size L for £35 a month. So virgin get an extra £5 off me and I get better TV, broadband and phone. Everyone is a winner (except sky of course)

    All my posts are made without prejudice and may not be reused or reproduced without my express permission (or the permission of the forums owners)!

    17/10/2006 Recieve claim against me from lloyds TSB for £312.82
    18/10/06 S.A.R - (Subject Access Request) sent
    03/02/07 Claim allocated to small claims. Hearing set for 15/05/07. Lloyds ordered to file statement setting out how they calculate their charges
    15/05/07 Lloyds do not attend. Judgement ordered for £192 approx, £3 travel costs and removal of default notice
    29/05/07 4pm Lloyds deadline for payment of CCJ expires. Warrant of execution ready to go
    19/06/07 Letter from court stating Lloyds have made a cheque payment to court

  12. #12
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    Default Re: Virgin Media Charges

    Not having my contract to hand, what's the wording re: any late/processing fees ? Is it "we may charge a fee" or "fees may be charged" ? If the latter, charge THEM

    I use the same excuse when informing people that the call is being recorded (cos I'm nice like that), anytime I see a note saying "calls may be recorded" - I use that one on them, despite knowing that I can record it (and not inform them) anyway.

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  13. #13
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    Default Re: Virgin Media Charges

    Virgin Media is a sad old case, because it carries all the negatives about NTL with it. Here's a few examples of their crap service...

    *Billing ring me on several occasions telling me that it's no good me paying through my bank direct to their account, as their Accounts can't trace it for days and I may get cut off. I told them I wouldn't be changing my method of payment and they had better modernise!

    *Their wonderful new box of tricks that supposedly records all your programmes, wiped all mine over last Christmas and I had some silly arse in their Faults section in India telling me it was my fault! I complained like hell to them and eventually an engineer came out (what a great bloke!) and told me it was a fault with the settings and sorted it there and then.

    *I rang today to speak with customer service and was cut off - a line fault perhaps??!!

    *They can't justify their charges, so go for them!!

    I hope Branson kicks a few arses, or this good ship will become an albatross....



    --------------------------------------------------------------
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    CAPITAL ONE
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    ABBEY NATIONAL (Old N&P Mortgage)
    Settled In Full on 2/3/07 - £307.13

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    MORTGAGES PLC
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  14. #14
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    Default Re: Virgin Media Charges

    I phoned up them yesterday to pay the bill,and i asked how can they justify £5 for not using a D/D and £10.50 late payment,the bloke went to asked his superviser and came back and told me its to pay the wages of all the billing dept cause people not paying by D/D are causing extra changes,where as paying by D/D costs a lot less...


  15. #15
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    Default Re: Virgin Media Charges

    Well, for starters - you can pay via card in an automated fashion via phone, but I doubt the robo-woman can enter into a debit on the merits of penalty charges.

    Whilst on the phone to them this week (about my "they've been naughty" thread), one of the guys said "yeah, we're always busy - there's currently about 200 people in the queue waiting to speak with us"...

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  16. #16
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    Re: Virgin Media Charges Has anyone been successful in reclaiming?

    Quote Originally Posted by buzby View Post
    Easy, play them at their own game. Your original contract did not state they would attempt to levyicon 'Penalty Charges'. The addition of these fess are NOT part of your contract and you did not agree to them. They have the opportunity to removal all unfair charges, or you will seek to recover them through the courts if they cannot justify the amounts billed. As for 'other firms' doing it, this is not a valid reason, as you do not patronise firms that levyicon unfair charges.

    It would be best to pay all outstanding amounts LESS the amounts in dispute, as to have a debt outstanding for other services weakens your case.
    I have been a cable tv/telephone customer for the last 14 years. I have been with Encom, Bellcablemedia, Cable and Wireless NTL and finally Virgin Media.the only contract i have ever signed is with Encom 14 years ago, at this time they did not have a facility for collecting payments by direct debiticon. (I did ask)
    Virgin Media or NTL, as was, have offered their customers several methods of paying their accounts D/D, telephone automated service, Internet Banking, Paypoint and Cheque.

    Only a cheque payment could attract a surcharge as human intervention is required, but is it to the tune of £5 per month. or £10 for a late payment fee.

    I intend to reclaim all these charges from Virgin Media and would like to know if anyone out there has pursued this and has been successful?


  17. #17
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    Default Re: Virgin Media Charges Has anyone been successful in reclaiming?

    Quote Originally Posted by marciasdad View Post
    I intend to reclaim all these charges from Virgin Media and would like to know if anyone out there has pursued this and has been successful?
    Good for you. The answer is 'yes' and I have had ALL my non-DD and late fees re-credited. As I keep pointing out to the staff, I pay them almost £800 per year, and if they want to scew more out of me, that is not the way to do it.


  18. #18
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    Default Re: Virgin Media Charges

    Thanks Buzby How far back did they go with your charges? I intend to claim back to the days of NTL, but are Virgin Media still libel?


  19. #19
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    Default Re: Virgin Media Charges

    hiya,ive just started with them,im not happy with there charges either,so ive just sent a SARicon to find out what exactly they have charged me


  20. #20
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    Default Re: Virgin Media Charges

    I am getting on the phone first thing Monday and giving Virgin Media their 30 days notice (although dont see why I should since I last signed my Telewest contract 6 yearsicon ago
    I have lost Sky news ....which I have watched religiously for the last 3 years......24/7
    Today all the programmes keep freezing up and other channels have gone too.
    On top of that I cant use the text.
    Their terms and conditionsicon are a joke and much of it would be more appropriate for a Communist country.
    They state in one section that they will withdraw services if they discover you have no TV licence......and they appear to be mentioning the Police all the way through.
    Come back Telewest all is forgiven.
    Actually I am thinking of buying a bloody freeview box.
    I am paying 50 quid a month for TV phone and Internet.
    Come on Raymond.......whats the best options here ?
    Not bothered about premium channels or sports....am happy to get my Sky news back and a reasonably decent IP and telephone service.

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