Vanquis; Any Claimants ?

[MARTIN3030]

Appears that these (part of the Provident group) have been very evasive in requests for refunds/statement inaccuracies etc.
Have you sent a Subject Access Request to these ?
whats been their response ?
Did you get statements which you cannot reconcile charges with ? Post here if you are/want to claim against them

	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.

[martdj]

already have two claims pending!!

[phil_charman]

Have big BIG issues with Vanquis ! see my thread Vanquis Hell for details....

[karen654321]

Hiya ive sent of a Subject Access Request to this company but they have some time left to go to provide it. Will keep you updated.
thanks
karen

	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.

[jdene]

I have sent both Subject Access Request and CCA requests to this bunch for my card and my wifes they have sent a letter completely ignoring the requests and said they will refund me £8 and my wife £5 they sent a plain A4 sheet showing only 3 charges on mine and 4 on my wifes despite my warning them i have a lot of statements showing charges but want the complete set of statements for both cards also the ppi insurance they decided i needed without my concent, i have reported them to the IOC and they still sent me a letter to say they were passing the account onto a DCA for collection despite the account being in dispute, they are beyond belief. but not many threads relating to them to find more information, if i find anything i will post it here

	Debt collection library Follow this link to our debt collection library. This library contains templates and advice for dealing with debt collectors who act oppressively or unfairly. This library is work in progress and will be built up over the next few weeks. 17.03.09

	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.

[elliejay39]

I have all my statements which show charges of £120. I have got as far as prelim & LBA with just £16 GOGW as their final offer . LBA was done over 6 weeks ago but i do want to see it to the end. I want to file a.s.a.p so will start a thread soon and keep you posted

	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

[Opalie]

Sent Subject Access Request off today, will let you know how it goes.

I understand that their APR is mean't to be one of the highest of all Credit Cards. Anyway started my own thread earlier today

Op's

	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.

[hsbcfiddled]

i could be interested in Vanquis

[animal_lover]

I've just recieved a letter replying to my request for statements. any apparently there doing a full investigation. Could it be like the one Littlewoods are doing that's taking over a MONTH compared to Kays that took less than a week and supposabley included all charges which they didn't

I wonder. just to get something back would be good as my account was settled over a year ago

[drob]

Hi everyone ...... i will be sending my S.A.R off in the post tomorrow.

Vanquis have already failed to satisfy my CCA request although they have passed my account to 1st Credit who in turn passed it back to Vanquis who then passed it on to Creditlink Debt Recovery.

	OFT action against 1st Credit Follow this link to see the action which the OFT has taken against 1st Credit

[MagicTongue]

Originally Posted by Opalie

Sent S.A.R - (Subject Access Request) off today, will let you know how it goes.

I understand that their APR is mean't to be one of the highest of all Credit Cards. Anyway started my own thread earlier today

Op's

Their APR is certainly at the extreme end of the scale, but as part of the "provy" are we suprised? All good though when it comes to claiming charges back then applying the interest!

Originally Posted by animal_lover

I've just recieved a letter replying to my request for statements. any apparently there doing a full investigation.

I had a letter from them saying this.
Has been 41 days now since Subject Access Request sent.... time for a letter to tell them they have breached the timescale

	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.

[carinas]

I've Subject Access Request'd Vanquis about 4 months ago, they replied stating to save time they would refund me around £150 and didn't enclose statements, then they set a debt collector on me. I've took a few months out due to having a baby and i have heard nothing off of them but i will be writing to them this week, i'll update this with more exact dates when i have the paperwork to hand.

	Debt collection library Follow this link to our debt collection library. This library contains templates and advice for dealing with debt collectors who act oppressively or unfairly. This library is work in progress and will be built up over the next few weeks. 17.03.09

	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.

[elliesnan]

my cca request being totally ignored and they keep ringing me on my mobile so telephone harrasment letter ready to send it does not seem to atter how many times you say in writing only they are too thick to get the message!

[MARTIN3030]

Well you might have a strong case under the 2008 consumer credit ammendments.

[andypandyere]

Hi my name is Andy, I have sent them the S.A.R. over 2 months ago, also telephone harrasment letter, reported them to OFCOM, all i have had is endless calls, every day, a letter saying they are investigating my complaint from them, a debt collection letter from Impact Collection Services now an email from them telling me to contact them.

My wife has a medical disability, scitzophrenia and she has been made ill by the phone harrasment.

From there Vanquis call centre i can recognise 2 voices, each in turn phoning our line, we now answer it silently and the harrasment means we cannot answer our phone normally to our family, i am so annoyed i would love to see them sued, up till about 2 weeks ago we were getting up to 10 silent calls a day, this freaked out my sick wife as she got very frightened as to what they would do next, so add me to any list to take action.

Thanks for reading...

Andy

PS No phone calls please

	Record your calls Follow this link to read the review of the Truecall telephone recorder and call manager. This is the Rolls Royce of call recorders. It's a bit pricey but if you buy it with our special offer you will get it at cost: about 20% discount. How much do we make on the deal? - Nothing at all. You can also buy cheaper devices from Maplins. Truecall is the best - but the important thing is to record your calls.

	Debt collection library Follow this link to our debt collection library. This library contains templates and advice for dealing with debt collectors who act oppressively or unfairly. This library is work in progress and will be built up over the next few weeks. 17.03.09

[rory32]

Hi Andy and welcome to CAG.

If you don't mind your phone number being changed you can phone your telephone supplier and tell them you are being harassed and need your number changed. They will do this FOC straight away.

Hopefully OFCOM will also act on your complaint. They recently fined Barclaycard 50K for their silent calls.

[andypandyere]

Hi Rory, thanks for the welcome, i have been a member for a while, just a silent one I could change my number but it would be a massive task as i run a help group of which 3500 members have my number, and on principal i do not see why i should, its been my number for 30 yrs, some low life lender is not forcing me to change it. Its also tied in to the medical health system for my wifes needs.

It seams Vanquis aka provident, have despite a letter informing me they are investigating my complaint have passed my details to Impact Collection Services of London, however thats also a trading name of provident finance, the number now annoying me is 08000191556, however its the same voices calling, how bizare....

They call every morning at 9am prompt, i silently answer it at the moment and record the details in my log book, and i will be passing on my reports to OFCOM on a weekly basis in writing.

Would other members maybe give me some backbone support to put to OFCOM, the more they get i sopose the sooner they will act.

Regards Andy

[rory32]

You may get a bit more support if you post here Andy Are you being harassed on the telephone by your bank or by debt collectors?

[Foxknowe]

My wife has a Vanquis card and has asked for the CCA, we have today received a reply which states (following a copy of a blank application form);

"We regard this as meeting our obligation under section 78 of the Act 1974 to provide you with a true copy of the executed agreement. On their proper construction, that section and Regulation 3 of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (1983 S.I. No. 1553) do not require us to provide you with a copy of the executed credit agreement between us in the form of a photocopy of that agreement."

Can the members with experience of Vanquis or claiming against unenforceable agreements give me some feedback on this please.

Thanks

[hsbcfiddled]

I would reply to them;

I requested a 'true copy of an executed agreement' and if you believe that an unsigned copy is 'executed' then we are in dispute, and whilst in dispute I need not make any further payments.
I suggest that you have not retained the original and therefore the debt would not be enforceable.


fiddled