hello, ive had my Vanquis account for over 10 months. i started of with £500 then got it upto £1000, When it went up to £1000 thats when i started with all the probblems with min payment. One month its £35 then it goes up to £92 then i dont owe anything another month then it goes back to £35 month!! and the these charges £10 month for the repayment option plan and i dont even think ive asked for it!! and latepayment charges even when i paid it on time. Ive been paying £92 month if the min payment was £35 a month so i was all so paying off intrest too but now as im trying to pay off quicker thay are adding fees to it. As its a credit card provider thay have to follow borrowing laws and ive all ready ask the finactial ombudsman service to look at for me.