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ravenbluemoon

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  1. Sorry, had exact same reply as you, but I haven't had time to do anything about it (too many things going on!). Also, sent a complaint about it to ICO, who haven't replied to three emails now. It's a bit strange as they sorted out the similar issue we had with Kays ages ago, and they were both sent to the ICO at the same time nearly. Tempting to play hardball with them and just play the "no agreement, so bog off" card. Don't like doing it, but they aren't helping in the slightest, whereas the other problem companies are at least cutting a little slack and co-operating... EDIT: Also about 90% sure that Vanquis have sold Mrs. R's personal data on to third parties without her permission, for example some very shady outfits called Horizon Finance keep calling and asking for her.... (Google them if you don't know who they are).
  2. No updates as such, she's had issues with the Debt Collector also, but I wrote a letter that told them (FPC I think) to go away until Cap One can provide proof of the debt and refund the charges. We've had a letter from Cap One directly since the previous one, but it's the same standard rubbish excuses.... If anyone's got anything legal I can throw at them I appreciate it! P.S. The account has also now got a nice fat (8) on the credit report, and they won't be removing it.... even though she paid up everything barring the charges. Will work on that one later.
  3. Interesting - is this feature on all their accounts or just a specific one? I wonder if they'll accept someone with a "less than perfect" credit history?!?
  4. Lloyds (well their Solicitors, ****) listed this clause as part of the acceptance of them returning some charges a couple of years ago. I neatly drew a line through that clause, then signed and posted it. They still refunded the charges, and I told EVERYBODY!
  5. That might be an idea, I may (just) have enough to do this by then, but there'll be another months worth of charges going on the account at the end of the month, so could get tricky...
  6. Hi Angel, I wish I could find a "tumbleweed" icon to put here, but I can't.... Surely there's someone out there with an idea of whether or not the weekend charges are worth chasing!?!
  7. This is just a quick "heads-up" for those who are unfortunate(!) to have a Vanquis Credit Card. You may notice an item on your statement that says "Repayment Option Plan". This is a disguised form of PPI - and the majority of the time you won't have asked for it. I've noticed this on an account I'm helping someone with, and they didn't have a clue what it was! Therefore I urge anyone who has this on their statements to claim it back!
  8. OK - here's my thoughts....... - Not sure about (1), it's not my "thing". - As far as your point (2) goes, if you've sent them a request for the charges to be refunded, then send them a "Letter Before Action" - giving them 14 to pay them back. If no joy by then (give them a couple of days grace), then start a claim against them. I've managed to get charges back from several catalogues, including Kays (Shop Direct), if you pester them then they just roll over TBH. - For (3) - same again, give them 14 days to sort it, then start a claim. That way it'll reduce the balance at least. As far as getting reduced payments/interest frozen, it is possible to do if you send off a Budget Sheet, showing income/expediture and "disposible income". Those "we're looking into it letters" are just fob-offs, designed to waste your time, when all they are looking into is a mug of coffee.... just ignore them and press on.
  9. We'll see, eh? I'm going to take this further over the next few days (work permitting), and I'll let you know how I get on.
  10. Terribly sorry, I forgot to keep you all updated. Here's where we are now. We sent off that letter a short while ago. In the meantime, we got a letter back, offering the charges back, but not quite the amount of interest we were after. The account holder accepted it, as it wasn't worth going after the other £40. They wanted her to send back the attached "Complaint Settlement Form", but as there was still issues remaining, I made sure that she crossed out "I confirm my acceptance of Carp 1's offer to refund £296 in full and final settlement of my complaint" to "partial settlement, see attached letter", then sent the following letter: Thank you for your letter dated 03/03/2010, regarding the offer of settlement. I respectfully accept the sum of £296.89 that you have offered, although I believe that the interest has been calculated incorrectly, as based upon your interest rates on the account, the total should be £338.46. However in order to reach a swift conclusion, I accept your calculation. However, I can only accept this as a partial settlement of the complaint. I have amended the attached settlement form to reflect this. The reason that I can only accept this as a partial settlement is that the following issues outlined in my complaint letters still have not been addressed by you: 1) Lack of paper statements I still have not received any paper statements for my account, as requested on several letters. Therefore I do not know the current balance or minimum payment due. I am keen to pay off the account as soon as possible, but until I have proof of what is owed, I cannot pay. I do not trust anything that may be discussed over the phone as there is no proof, and in addition, I believe further charges may have been applied to the account. Please send me statements for the months of January, February and March, together with an apology and an explanation of why you insist on concealing my account information from me. 2) Telephone Harassment This has not been addressed in any way whatsoever, and I consider the silence from you on the subject to be very unprofessional. If I do not receive an apology and explanation as to why you are continually calling me when I ask you NOT to, I will take the matter to the County Court, where I will be claiming for damages under the Protection from Harassment Act 1997. I will also require confirmation that my account is marked to show that telephone calls are not accepted. You have 14 days from the receipt of this letter to respond, or further action will be taken. I think this letter may well have crossed in the post with another letter from them (or it was an astonishingly quick response!): I've attached them below with a bit of annotation. NOTE that they admit blocking the account as a ploy for the account holder to answer the phone! As you can see, they promised to unlock the account online. HOWEVER - we tried to gain access to this account, and it still shows up as blocked! So, another letter to send. The annoying thing is, once the charges are refunded, the account holder is more than happy to pay the remaining balance.... which is about £33 - as there are three more charges to claim since the original letters are sent (worth £36, this can be seen on statements summaries that they sent with their letter) - so Carp 1 actually owe HER £3! We'll see if they send a paper statement as promised... Hope this helps anyone out there!
  11. I'm not sure Angel, as I've not really got a head for the legal stuff, but like you say, I'm sure it's a valid argument for getting back 2/7 of the charges - which is better than a kick in the teeth. I need to do some thinking about it over the weekend, I'm sure that it falls under some kind of "unfairness" test.... Over to the experts!
  12. Here's a alternative thought about how to help scupper their fees/charges/scams: If you go overdrawn say on a Friday evening, they'll charge you for the Friday. However, try and put some money into the account to bring it into the black. You can't as it's now the weekend. Therefore you are trapped into paying another £10 because you're over on Saturday and Sunday! Anything you put in on the Friday evening won't count until Monday but you are still being charged.... I'm thinking this is even more unfair as you have been trapped into being overdrawn over the weekend, so having to pay two days unneccisarily. So in my opinion if they insist on this new charging regime, strictly speaking they shouldn't charge you for "non banking days"???? Perhaps there is a little something for those with a legal head on?? Any ideas on how we can use this, as in my book, this is entrapment.
  13. Hmmm, but in that case it'd be a credit to the account and no a cost, if you know what I mean. I think you're right about asking them for further clarification, but giving how long it's taking to SAR them, it could take a loooooooong time . I might mention it when I send the first charges letter out.
  14. I do like the "weasels" calling on a weekend, as I means I can answer and have a bit of fun with them . Vanquis have started to call us again, it's been quiet for a couple of weeks since we complained and they are investigating (supposedly). I gets a call from an 08000 number (which I find to be them), but all I can hear is Asian accents talking in the background - even ringing a bike bell into the phone doesn't rouse them! After a minute and a half, the phone cuts off. So, I track down their other number, as dialling the 08000 number tells me "they're closed" (?). For those who want to play along, the number to call is 01634 816312, which is the geographic number for card services. Remember to put 141 in before, so you come up withheld. After confusing the automated sytem by repeatedly hitting *# at the prompts, I get through to a female English calls weasel: (here follows a summary of the call) Vanquis: Can I take your 16 digit account number? Raven: I don't have one of them. Vanquis: Sorry? Raven: I don't have an account, it's regarding a crank call your company made to me, and I tracked down this number. Vanquis: OK, carry on, what's the problem? Raven: Well I've just had a silent call from one of your numbers, and no-one would talk to me for a minute and a half. We've sent letters to tell you to stop calling us. Vanquis: Have you got an account? They must have had a reason to call? Raven: My Wife has, but she's specifically told you not to call, as she has severe nervous issues and can't talk on the phone. Vanquis: Is she there to talk to? I can't talk to you regarding someone else's account {Note: Did she not understand what I just said?!?} Raven: No, she's out. But I know she's told you not to call us, I wrote her several letters to send you. Vanquis: Well there must be a reason that they called - they'll want to talk to her about something. Raven: So why not write to her? She doesn't want you to call. It's affecting the whole family you know. And I know she's paid up this month, so it can't be that. Vanquis: Oh, we don't write - we only call. Raven: What, even when you're told not to? Vanquis: Well if you send us a letter giving your reasons why.... Raven: Like the letters we sent on and ? We haven't heard back form you yet. Vanquis: It might take up to three weeks for a reply. Raven: It's been three weeks, I bet you won't reply. Vanquis: {U-turn alert!} Oh, but it could take up to six weeks... but we'll get back to you. Raven: OK, I'll wait for that then, but you still shouldn't be calling. Can't you write to her? Vanquis: Like I say, there must be a reason, and we don't write to custumers, we prefer to call them. Raven: Is that because then there is no proof of the harassment? Vanquis : It's not harassment, we're allowed to call you once a day... Raven: Oh really? Even though we've said it is so, under the PfH Act 1997 - it's affecting the whole family you know. Raven: You know, I think your telephone system is an embarrasment to your company, you should get it fixed. Vanquis: Embarrasment? What do you mean? Raven: If I ran a company that dialled a customer up, then either went blank, or hang up, I'd be seriously embarrassed. It's not a good way to treat your victims... I mean, er, customers. Vanquis: It's because it's on an autodialler, if you don't pick up it will ring off. Raven: That's quite embarrasing . Those autodiallers are a bit, naughty aren't they? Vanquis: Not that I know of. Raven: Well, I'd better end the call now, it's apparent that you can't do anything about it from your end, and even though I've managed to waste seven minutes of your life like you lot waste mine, I've got more important things to do. Thank you for the chat, it's been quite a pleasure actually... I think I'll persevere with this line of cheekyness, now I know how to circumvent the automatic menus, I'll have a crack at Cap One, too, possibly see how long I can keep them on for. P.S.: Isn't anyone else baiting DCAs at the minute? We need to waste more of their time...
  15. Hi Guys, I can't find anything using search, so I'll ask... what's an "Item Overpayment Adjustment"? I've just spotted one on a Kays account for £71.12. Would it be related to any Buy Now Pay Later items that have become payable recently? Saying that, I've reason to believe that the interest payable for the BNPL items are included on a statement as the amounts are higher than what the original price was, if you know what I mean. So, any ideas? Otherwise I'll be claiming against it if I don't know what it is, and leave it up to Kays to tell me what it is, as they don't want to talk to me anyway...
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