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!

[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.

[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 !!

[crippla2k]

claiming now, they are refusing to send me my statements and are trying to charge me £5 per statement

[MARTIN3030]

Originally Posted by crippla2k

claiming now, they are refusing to send me my statements and are trying to charge me £5 per statement

Under the Data Protection Act they are legally obliged to send the lot for no more than a tenner.

[havinastella]

Originally Posted by MARTIN3030

Under the Data Protection Act they are legally obliged to send the lot for no more than a tenner.

Not quite right

They are under no obligation to sent a 'full' set of statements under the Subject Access Request.

But they should send a full breakdown of charges.

Jogs

(Hope I'm right or Martin will tear me a new one )

[MARTIN3030]

Jogs I am suprised you say this-as such a seasoned CAGGER.
Actually-they have no obligation to send a list of charges since this means them possibly saying DE (Disproportionate effort)
Its statements they DO have to supply.

[havinastella]

I am a seasoned Cagger, And I know I'm completely right.

Under a Subject Access Request the OR does not have to issue you with a complete run down of Statements!

Jogs

[MARTIN3030]

I am not too sure what you mean by "full set" or run down ?
The facts are that a Subject Access Request entitles the subject to obtain all that they ask for in the request,as long as the request is specific,that the £10 fee is enclosedand that the Data protection officer is satisfied that the person making the application is the subject of the request.

Copy statements therefore should be provided if requested.

[crippla2k]

im waiting to here back from them, ive sent them a lba

[izools]

Can you guys help?

OH has a Vanquis card has done since Dec 2007.

Has £2,000 credit limit and £1,200 balance.

They increased the APR to 69.9% for a few months and after complaining it is back down to 59.9% APR however the interest is still excessive and I witnessed a phone call back in Febuary wherupon my OH was told by Vanquis that the APR would be reduced to 39.9% APR along with a "Gold" card and the higher, £2,000, credit limit.

The credit agreement states the APR is variable between 19.9% APR and 59.9% APR. In increasing the APR to 69.9% they breached the credit agreement, correct? Am I also correct in assuming that whilst they have not refunded the overcharged interest, they remain in default of the credit agreement? Or does lowering the APR back to 59.9% alone resolve the default?

What can we do to clear the balance without paying so much interest? The account has been run flawlessly and stopping paying is not an option as my OH has worked very hard to improve his credit rating exponentially over the last couple of years and we don't want to put that effort to waste.

Transferring the balance away is unfortunately not viable either as although his credit score is much better than it used to be, he still can't get a better deal, because of one last outstanding default and it's swings and roundabouts as to whether to plough the money into clearing Vanquis or the Default. Cap One offered a classic at 34.9% but only a £500 limit so not enough to transfer the balance, so we cancelled the application. I'd offer to transfer it myself but with my poor credit history I'm not eligible for a better deal, either.

Any letter templates or regulations you could point me to would be very much appreciated. All we want to do is clear the balance in a respectable manner in line with the 39.9% APR that they promised when they upgraded the accuont in February.

Thanx in advance!

[letsgetitsorted]

hi.. i dont know if i am in the right place here, i have a vanquis card at the moment which is strangling me, i pay so far around 55 a month, 54% interest
but the balance just goes up. i took the card out in 2006 over the web, is there anything i can do legally to get ride of this...how do i find out if the agreement is valid...

please help

[MARTIN3030]

Please be patient -am looking at last 2 posts.