T&Cs updated – Earn 10,000 Virgin Flying Club miles with Virgin Money life insurance

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• Hostime says:

  23 Jun23 June 05:11

  I took out a policy on Friday morning before the terms and conditions were updated. I hope they honour the deal — or I will have to write to the Financial Conduct Authority. I know the FCA won’t care, but it will cost Virgin Money £500…

  • Simon says:

    23 Jun23 June 05:44

    Same here, definitely nothing about a £10 minimum first thing on Friday morning.

    • Liz says:

      23 Jun23 June 06:31

      Me too! I read the T&Cs too but didn’t screen print it.

      • Tom1 says:

        23 Jun23 June 07:14

        I have a pdf version of the page without the £10 minimum created Friday morning at 9am if that helps anyone.

      • Scallder says:

        23 Jun23 June 07:14

        Liz I took snipped images of the deal yesterday before it changed (email confirm at 10:12). Will try and sort out a link to them on Monday when back in the office

      • Liz says:

        23 Jun23 June 10:14

        Scallder that would be great. I did ours at 8am and 8.30 am. Tom1 – that drop box link didn’t work for me.

      • Liz says:

        23 Jun23 June 11:53

        Got it now from Tom1 – had to install the dropbox app! No idea what that is but now got a copy!

  • Genghis says:

    23 Jun23 June 06:02

    FOS…

    • Owen says:

      23 Jun23 June 07:27

      Pension miss selling, poor advice leading to financial loss, dodgy advisors are all good reasons to use the massively over worked FOS. You not getting your points because of a change in t&c’s where there is no real financial loss to you seems a little wrong and could quite possibly delay someone who does need the FOS’s help.

      • JayG says:

        23 Jun23 June 07:37

        Agree. People get carried away with the points game. Most knew it was a gamble taking out an 80p or so policy. Yet, will abuse a system for those in real dire straits. You can cancel within 14 days and get back your 80p, so are you losing financially?

      • Doug M says:

        23 Jun23 June 09:10

        Maybe if companies learn to honour the small things they’ll learn to honour the big things. It’s not incumbent on someone to decide the worthiness of a complaint. If they say A, but do B then you’ve every right to complain.

    • Malibu Stacey says:

      23 Jun23 June 09:21

      If successful they will refund the premiums you have paid. Just accept it is a punt. if you get the miles great. If you don’t, you don’t.

  • Frenske says:

    23 Jun23 June 06:16

    I started a quote on Thursday and finished on Friday late morning. I guess they should honour the first T&C rules.

• Mr(s) Entitled says:

  23 Jun23 June 07:47

  This clearly did not change at 00:01 Friday. While Virgin may want the news out there that Thu will be honoured but Fri won’t I for one would question the validity. In fact, honouring the T&Cs on Thu only strengthens the hand of those who bought under the same T&Cs on Fri.

  Lets start the fact finding. Who has the latest times screen shot, chat, or alike to help verify the claim? Or perhaps Virgin (who we know read this) or HfP could simply confirm.

• Nick says:

  23 Jun23 June 08:05

  I took out a policy at lunchtime yesterday and took screen shot of all the T&Cs (including the time and date). There was no mention of £10 minimum at 13:27 hours…

• John ABZ says:

  23 Jun23 June 08:07

  I took out a £1.86 per month policy on Friday. Yes the points were the motivation. But I also did need some cover and wouldn’t have cancelled after 6 months, as I wanted the cover. Indeed I cancelled an equivalent policy with another provider as I had swapped my business to Virgin. If they don’t honour the points I will have no qualms whatsoever in complaining to them and FCA. Thank you Tom1 for the T&C attachments. Let’s all not forget UK financial companies have a track record in bad behaviour, (endowments and ppi misspelling, sub prime mortgages etc etc) and some have made a lot of £ out of it. Many have tried to wiggle out of their responsibilities for compensation. This is a no brainer for me. Give me what you promised. No more, no less.

• John ABZ says:

  23 Jun23 June 08:21

  Delete misspelling insert mis-selling. That was a misspelling on my part, ironically enough 🙂

• callum says:

  23 Jun23 June 08:23

  Do screenshots actually hold any validity? They can be easily altered and don’t have time stamps on them.

  I could make one now saying Virgin were offering 100,000 miles!

  • Mr(s) Entitled says:

    23 Jun23 June 08:36

    They help to validate an argument. There is only one way to be sure and that is for Virgin to confess. The FOS will make them do that if they dont of their own accord.

    Judging from the above, anyone before 1300 should be okay. That may yet get pushed further back.

    The line “this applies to all policies taken out on Friday” looks increasingly dubious. We are fact checking on their behalf.

  • John ABZ says:

    23 Jun23 June 08:37

    Tom1s link above seems to have a date embedded in it. Ultimately though would Virgin Money risk trying to mislead FSA and public reputation. They would have to prove that the min £10 per month requirement was in the T&Cs before Friday and they couldn’t do so without making false statements, tampering with records etc etc. I cannot see them undertaking such a criminal conspiracy over airmiles.

    • Mr(s) Entitled says:

      23 Jun23 June 09:22

      I’d go one stage further. Having promoted the offer, they should have made an equal or better attempt to promote the change. They may have done, but that would be on them to prove. Otherwise it is simply bait and switch,

    • callum says:

      23 Jun23 June 23:13

      I don’t think it does – the only date I can see is in the title which he just typed out. You could just as easily type that it was taken at 28:77 on the 55th of Martober!

      You can literally make screenshots say whatever you want. If Virgin were going to deny the T&Cs ever said that, no-one who understands what a computer can do would accept a screenshot as evidence of anything (this blog-post would be much more useful!).

  • Lady London says:

    23 Jun23 June 10:27

    If it really came to it a court could require the company to provide copies of their systems at the time.

• New Card says:

  23 Jun23 June 08:31

  A bit OT but Virgin related – I still haven’t received an offer for bonus points on my new Virgin Money credit card (paid version), even though I am an MBNA Virgin cardholder. I know I should give it 2 weeks as they are staggering these, but when does this 2 week period end (i.e. when should I start worrying that I’m not “on the list”)?

  Also, for those that received an offer, was this by email or post? Thanks in advance.

  • Rob says:

    23 Jun23 June 08:33

    If you are opted out of Flying Club marketing emails then you won’t get it. You opted yourself out.

    • Daisy says:

      23 Jun23 June 08:47

      I had a letter from flying club offering me an additional 11000 miles if I signed up. I rang them and explained I had just taken out the card would I still get the 11000 bonus miles if I hit the spend? Yes the said so long as the card was linked to my flying club account. It’s not!!! So I have now emailed them asking them to link it.

    • New Card says:

      23 Jun23 June 08:52

      I’ve just checked my VA Flying Club account and I’m opted in to receive both types of marketing emails (“Contact me about Flying Club” and “Contact me about Partners”)… so I should expect to hear soon, I’m hoping…?

  • Doug M says:

    23 Jun23 June 09:14

    I was opted out of emails, I cancelled the MBNA card to avoid another fee when we knew it was going. This week I received the Virgin Money offer via letter.
    Wish I hadn’t cancelled the MBNA one as the 0.5% cash back no FX card would have been useful when the final demise of the Lloyds Avios card comes.

• Mr(s) Entitled says:

  23 Jun23 June 09:19

  Data Point: My Policy confirmation email arrived 14:01. I’ve just chatted with VM and they confirmed it all tracked okay and the promotion was applicable. Chat saved, clock ticking to 6mth check.

  I was £1.02 pcm so for that price I’m keeping the policy. I expect VM to honour their end of the agreement too. That is how business works.

  • Simon Barlow says:

    23 Jun23 June 12:33

    Ok, so my saved application/quote from Thursday evening should generate the 10,000 points even though it’s less than £2?

    • Rob says:

      23 Jun23 June 13:08

      Doubt it – they will work from submission date I assume.

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