Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Please could someone advise me as i am new to site like this.
I took a credit card out with Vanquis Bank in January 2007 but can not recall taking out Repayment Option Plan out with them, I have noticed on my statements that this is added to them all, I have contacted Vanquis by Phone and asked for a copy of me signing for the Repayment Option Plan as I do not require it or never had, I was told it would have been done over the phone, so I asked for a copy of the call , Was told I would receive a call back at a time agreed 7 days latter as it would take that long to find the recording, it is now 3 week and have had no reply. I open the credit card account via the internet mid January 2007 and have a emailed copy of my agreement from that date in which it states copied from agreement. Repayment Option Plan
n You will be eligible to enrol in the Repayment Option Plan (the ‘Plan’) after
your Account has been opened.
n The Plan enables you to freeze your Account in the event that you or your
family experience a difficult financial circumstance (detailed in this section).
While your Account is frozen, interest will not accrue, you will not be obliged
to make any repayments or pay any charges and you will not be able to use
your Card or Account. The Plan is not insurance.
n You can enrol in the Plan by either: requesting the Plan from one of our
New Account Representatives or; by calling Customer Service or; via
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
Please could someone advise me as i am new to site like this.
I took a credit card out with Vanquis Bank in January 2007 but can not recall taking out Repayment Option Plan out with them, I have noticed on my statements that this is added to them all, I have contacted Vanquis by Phone and asked for a copy of me signing for the Repayment Option Plan as I do not require it or never had, I was told it would have been done over the phone, so I asked for a copy of the call , Was told I would receive a call back at a time agreed 7 days latter as it would take that long to find the recording, it is now 3 week and have had no reply. I open the credit card account via the internet mid January 2007 and have a emailed copy of my agreement from that date in which it states copied from agreement. Repayment Option Plan
n You will be eligible to enrol in the Repayment Option Plan (the ‘Plan’) after
your Account has been opened.
n The Plan enables you to freeze your Account in the event that you or your
family experience a difficult financial circumstance (detailed in this section).
While your Account is frozen, interest will not accrue, you will not be obliged
to make any repayments or pay any charges and you will not be able to use
your Card or Account. The Plan is not insurance.
n You can enrol in the Plan by either: requesting the Plan from one of our
New Account Representatives or; by calling Customer Service or; via
Re: Advice Needed Repayment Option with Vanquis CC
Hi,
Because you didn't "tick the box" for PPI and allegedly agreed to this over the phone, they have a duty to prove that you did so.
This will be too much like hard work for them so don't expect any call back.
Instead, I recommend a SAR to them and try to be specific about dates and times they have said you agreed to PPI on the phone.
If you are asked to deal with any matter via private message, PLEASE report it.
Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor
Please could someone advise me as i am new to site like this.
I took a credit card out with Vanquis Bank in January 2007 but can not recall taking out Repayment Option Plan out with them, I have noticed on my statements that this is added to them all, I have contacted Vanquis by Phone and asked for a copy of me signing for the Repayment Option Plan as I do not require it or never had, I was told it would have been done over the phone, so I asked for a copy of the call , Was told I would receive a call back at a time agreed 7 days latter as it would take that long to find the recording, it is now 3 week and have had no reply. I open the credit card account via the internet mid January 2007 and have a emailed copy of my agreement from that date in which it states copied from agreement. Repayment Option Plan
n You will be eligible to enrol in the Repayment Option Plan (the ‘Plan’) after
your Account has been opened.
n The Plan enables you to freeze your Account in the event that you or your
family experience a difficult financial circumstance (detailed in this section).
While your Account is frozen, interest will not accrue, you will not be obliged
to make any repayments or pay any charges and you will not be able to use
your Card or Account. The Plan is not insurance.
n You can enrol in the Plan by either: requesting the Plan from one of our
New Account Representatives or; by calling Customer Service or; via
You can be specific with what data you request although the Subject Access Request is really asking for everything. The Statutory fee is £10.00 Postal Order is fine but keep the details of the number for future reference. The post office will be able to confirm when it was encashed (just call 01246 542091 they will even send written confirmation if you request it) Send all correspondence by at least recorded to be signed for so you can track delivery through Royal Mail
You should request the following documents:
A true copy of your Consumer Credit Agreement with the terms and conditions that were applicable at the time you took the loan/card/mortgage.
Copies of all statements applicable to the loan/card/mortgage.
Copies of all correspondence that apply to you as a data subject ie letters, emails, faxes etc.
Copies of all recorded telephone calls or transcripts of the recordings.
Copies of any notes made by bank/loan company staff in their dealings with you as a data subject.
Do not be fobbed off by them citing issues such as relevant filing systems.
If they have any records/data on you as a data subject and it is held under your name, address, post code, account number/s or any other system where the data is identifiable to you then it is a relevant filing system. Even if it is a specific serial number on microfiche records and the serial number is applicable to you.
This should get things started for you. Get the data, prepare and then reclaim.
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
I have merged both of your threads to make it easier to keep track
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Repayment Option with Vanquis CC
will not accrue, you will not be obliged
to make any repayments or pay any charges and you will not be able to useyour Card or Account. The Plan is not insurance.n You can enrol in the Plan by either: requesting the Plan from one of ourNew Account Representatives or; by calling Customer Service or; viaVanquis QuickCall.
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Originally Posted by mick123
