Vanquis CCA Request

[hunni2006]

Hi

I don't know if this will help, but I too took out a credit card with Vanquis, and am at the stage where they sold the debt on and a summons has been issued.

I still had the original email they sent me with terms and conditions, so I don't know what date you applied online, but they may be similar to what you would have received.

http://www.consumeractiongroup.co.uk...anquis-cc.html

Incidentally, I am still waiting for copies of my statements (subject access request) from vanquis, but on the few statements that I do have, there is definitely something wrong with the interest calculations....

On a further note, I noticed whilst typing this post that the interest added on the statements doesn't seem to be correct, for example on the july statement it has an entry, Purchase interest at 3.653% per month £66.26 (presumably calculated from the outstanding balance) whilst the september statement has purchase interest at 3.673% per month, on a higher balance calculated at £64.44, and the october one has the same rate of interest at an even higher balance calculated at £62.96!!!! so there's definitely something amiss there....

My Husband had a Vanquis card at the same time and I've checked a few of his statements, and the same thing was happening on his,.... I'm not sure what you can do about it, but it might be something worth looking at.

best of luck.

[thrubolt]

I sent off the " I can't believe it" letter to Vanqarse today after they sent me a copy of a blank app. form & T&C's, and told them the usual in dispute and don't even think about adverse entries on my credit file, when lo and behold, the postman dropped their following garbage on my door mat. - not just for me, but also my wife who has been paying her token £1-00 per month. I quote. Identical on both:

FINAL DEMAND - PRE IMPACT COLLECTIONS

Despite (note "SPITE") our previous letters (what letters???), you have failed to make a payment to clear the arrears on your account or make an arrangement to remedy situation.

Do not ignore this final attempt (we didn't know their was a first attempt) to set a suitable arrangement to clear your arrears. Followed by totally unacceptable amounts for a payment due.

There was never any problem with my wife, but they seem to have tarred her with brush even though she never cca'd them, but as a result I shall be doing that on her behalf.
They are also doing the old plum of legal action.
My reply today was "No signed document- No payment - If I sent them a bill would they pay up, I somehow don't think so, they would want proof of signiture, just like business deliveries, companies don't pay invoices if there is no order number or signed delivery.

I was sick of their high horse attitude so I put a default onto them, and basically told them that copies of their tactics are being sent to relevant bodies that govern them including the Credit Licencing Authority, and also as in Dispute, they are not entitled to pass it on to any, including in house collection agent, whilst there is a lawful dispute.
Well, thats off my chest - any comments most welcome.

[thrubolt]

Sent cca for wife on 23/06/09 and letter came back 25/06/09 with postal order and a letter saying we are unable to trace an account at this address by this name. BUT, if you resubmit your request with the full name of the account holder and account number we will help you. The request should also be SIGNED by the account holder. What a load of utmost TRIPE.
I said to my wife, that if they can send you repeated threats to this address, then Methinks that they have no paperwork whatsoever, at least not signed. They want her to supply a signiture I fear so they can fraudulantly use it on so-called true signed copies.

What is even more hilarious is a demand for payment came for the two of us today, bear in mind my letter to them on the 13th June putting them into default for not supplying requested info, and that whilst in serious dispute, cease demanding payments on an alleged debt.

Any comments people.

[hunni2006]

the general advice I have seen on here is DON'T SIGN ANYTHING.... print your name...

[mhenry9885]

Going back to my original post...

I sent a Subject Access Request to Vanquis asking for copies of statements as I believe they have messed up somewhere because the balance is quite high. They replied stating that they do not have to supply statements as part of a Subject Access Report and I can obtain copy statements at a cost of £5 each!

Are they right?, I though the idea of a Subject Access Request is that they supply everything they have on me... It would cost a fortune to get copies of the statements going back 3 years.