Vanquis card ;are you a victim or know someone who is ?

MARTIN3030 · 7th March 2007, 22:14

I notice that people appear to be having difficulties with these.
After a S.A.R - (Subject Access Request) request they send screenshots that DO NOT appear to list any fees/charges applied so can be impossible to work out.
I am a claimant myself and facing the same response.I would like to hear from others who have faced the same brick wall.Under the data protection act they are required to supply any information requested....and that should INCLUDE all transaction details.Just because there are not many case histories or information of settled claims should not put anyone off from claiming from these.
I am sure there were victims of the penalty charge regime.
If you were one or know someone who was then please add to this thread.

MARTIN3030 · 8th March 2007, 21:09

surprise · 12th May 2007, 17:57

Martin3030

I have tried to pm you re Vanquis,your inbox is full, don't won't to put onto an open forum.

monopoly23 · 1st June 2007, 22:45

Martin. My fiancee has an account with vanquis and they're charging the frankly extortionate interest rate of 46%. After seeing that you get a load of rubbish from the in responce to a S.A.R - (Subject Access Request), what do you think my chances are with a CCA request? The one I've sent was delivered this morning.

surprise · 2nd June 2007, 09:50

Hi - The one I've received was my original mailshot. I wrote back to them nearly two weeks ago saying that it was not acceptable as a true signed copy of an agreement, etc, etc, and I have not heard a peep out of them since and they have stopped phoning for payment. So will wait to see what they are cooking up.

MARTIN3030 · 6th June 2007, 03:51

ok guys I have put out a fresh appeal.
please e mail me martthedj@yahoo.co.uk.
Give me brief details we need to get onto this.

monopoly23 · 6th June 2007, 10:27

What details are you wanting exactly?

We got a reply from vanquis yesterday. I pmsl when I saw it.
"I refer to your recent communication regarding the above account.
The details of your enquiry are currently under investigation and I will contact you with a full response within the next 28 days. -Ha!
In the event that I have been unable to fully resolve the matter by that date I will provide you with a progress report on the investigation.
I am enclosing our leaflet 'Our Commitment To You' which details our internal complaint handling procedure." -what complaint?

Yeah you take as long as you like vanquis...

MARTIN3030 · 7th June 2007, 00:18

I am looking at both how they are dealing with requests for statements and information,and whether what they are supplying meets their obligations.
Of course the only sure way to make them legally comply is by sending them a S.A.R - (Subject Access Request) requesting statements and account transaction details.
In my own case the statements I was sent appear to be incomlete since I cannot reconcile the figures.
I tried to contact Vanquis by telephone but trying to get hold of anyone to speak to is a nightmare.
replies to letters are not forthcoming and injfo on succesful claims is not there either.
I am beginning to wonder whether people have not bothered to progress further because of Vanquises seemingly dragging of feet and uncoperative tactics.
I therefore am also looking at what can be done to enforce them to comply more quickly and openly.
This may mean a bulk complaint to the FOS.
First of all though information needs to be collated from those who are having problems.

monopoly23 · 7th June 2007, 00:27

In that case, I will be keeping a very close eye on this thread. We received a reply from Vanquis dated 4th June.

And out of 6 CCA requests I sent, Vanquis are the only ones so far to keep the £1 PO. All the rest have been returned.

I will update if I get any relevant info from them.

surprise · 7th June 2007, 09:34

monopoly23 - I should watch out because I had the same letter this was then followed by Intended Action and then a Default Notice. Agreement did arrive but this was the pre-contractural one, ie Agreement/application form.

monopoly23 · 7th June 2007, 10:10

They sent you an intended action letter for requesting your agreement? So what happened with yours if they didn't send you a true copy?
Thanks for the heads up

surprise · 7th June 2007, 10:38

Sorry, mislead you slightly. I was corresponding with them about the account when I received a letter to say they were looking into the matter and would come back to me within 28 days, but in that period they issued the Intended Action letter which I responded to, they then issued the default which they back dated and didn't give me the requisite 14 days notice, so I wrote back and asked for the agreement. What I received was a copy of the mailshot application form/credit agreement. It is headed correctly with all the terms and conditions, but the box you sign there is a message below it PLEASE SIGN THE WHITE BOX ABOVE. WE CANNOT PROCESS THIS APPLICATION WITHOUT YOUR SIGNATURE.
One thing to keep is the envelops. Date all your letters when received. One of my letters was dated 12th April not received until 21st April. The default notice was dated 27th April received 3rd May.

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit	Small Claims Court Guide New Edition	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki N.B. Please note - due to postage costs these products are only available in the U.K.