Reply To: So Virgin Money is right in not refunding cash advance charges?

[JDB]

NorthernLass wrote:

Nobody is disputing this, what is unclear is why Virgin regarded the transaction as eligible for levying the fee in the first place.

As above, none of us has all the facts, but when three different people, including the victim, all accept the fee was correctly levied per the terms, I’m not sure why you keep asking the same question; perhaps look at the terms that the three parties have analysed to reach their unanimous conclusion.

If there were any doubt about whether the cash advance fee had been correctly applied that would most likely have been Mr M’s key (and most probably winning) argument rather than pursuing the refund of an explicitly non-refundable fee akin to an overdraft/loan facility or arrangement fee, chargeable whether you use it or not.