cheers for the quick replies... looks like its the hard way! lol!!! this mob dont look quite as eager to put thier hands in thier pockets as the banks do!!! i was hoping that as it was thier fault all i had to do was ask nicely! well looks like i will be snowed in tomorrow... gives me something to do!!! i know i should of kept the useless cheques they sent me the other day!!!

about 1.5 years ago I took a Virgin card and transfered my other cards onto it... for the first few months i paid by cheque then setup a direct debit with them, about the same time i found it hard to make a few payments... so i collected a few fines which i just put up with as par for the course... i assumed some of the charges were for the periods where I hadnt paid a cheque and the Direct debit had not come into effect... i put it to one side and ignore the issue... I then keep recieving statements that my payments are late... again im assuming its the Direct debit hand over period... but this has been going on since day one... it appears that my direct debit (which has never failed to clear) is late each month!!! so each month i collect a late payment charge... i stopped using the card after it was removed for late payments (the direct debits) and so it becomes easy to forget... its been so long now that i really dont know who to turn to for a resolution, as i see it, all i did for the DD is sign a bit of paper, it was the CCC's job to set the DD correctly - ie make the DD come out before the payment is due! Help!!!! is this the same as collecting monies for card abuse??? or is this different as its not really my fault...