Vanquis; Any Claimants ?

[Foxknowe]

Fiddled, good idea, that's what I will do.

Cheers,

Foxknowe

[Monty2007]

Hi, Vanquis just refunded all my credit card charges plus 8% interest that was the first letter and it was a doddle, they did not put up any kind of fight or offer a stupid 12 quid compromise........

I am going to buy me a nice bottle of wine and some tasty Indian cuisine this evening. Can't wait........

[Foxknowe]

Monty, well done.

Fiddled gave some good advise by advising to put the account in dispute. If I can be so bold, what was the letter you sent that provided you with the success??

So far all I have sent them is the CCA request and a bit of a loss what to do next?

As a complete aside I have other cards I am waiting on satisfactory responses to the CCA's (without any success).

Foxknowe

[Monty2007]

Hi Foxknowe

First I sent an Subject Access Request + 10 quid. Then worked out all the charges + interest and sent them the first letter before action from the CAG letters section. I was getting ready for the fight and they caved in! Where is the sport in that?

Anyway I am now faced with the complex decision of going for the chicken madras or prawn bhuna tonight, I am okay on the wine choice though.

I just checked my Vanquis account and they have credited the amount so I am in positive balance - never had that before!

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Foxknowe]

Monty, think it should be the Madras!

What letter was it you sent from the letter suite? (is this the page with letters A, B, C, D etc...)

I am pleased for you, knowing how I feel just now, what a result.

Foxknowe

[Monty2007]

Dear Foxy

I did an Subject Access Request first and got all my statements, worked out what they had robbed from me then sent this letter:

http://www.consumeractiongroup.co.uk...-approach.html

I am going to take your advice and go for the Madras plus they do a very nice Tandoori salmon, plus pilau rice and a paswari nan. With eight cans of Kronemburg that should wash it down a treat.

May I wish you well in reclaiming what is rightfully yours and trust that you will soon be sampling the delights of India (not sure where the Kronembug comes from) from the fruits of your Vanquis claim.

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[angel1977]

Hi All, i reclaimed from vanquis in jan of this year, i just sent the prelim letter and the lba and got a full refund of my fees, by far the easiest to deal with

Good Luck !!

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales