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.
When I took out my Vanquis card I spoke to them on the telephone (I think that they called me but I am not certain) to 'activate' the card.
During that call (I think) I was asked if I wanted the Repayment Option Plan, without it being explained. I accepted, probably reasoning that I might need it and that it was very cheap as I had no balance!
Sometime down the line now I am beginning to realise that this plan is almost useless for my circumstances, and I have paid probably over £100 by now for this.
My question is what chance is there of getting some or all of this back and how best to go about it? No real value has been given in terms of accrual of benefit so I feel ripped-off a bit. Moreover, it appears to have been mis-sold somewhat in as much as it was a surprise to be asked this on the phone and the lady did not go through the details.
Importantly, nothing has been signed by me - there has never been any dialogue beyond that first telephone call either
My account is in generally good standing so there is no crucial issue but I do feel a bit ripped-off because I have not got value for money, feel it was not explained sufficiently and I have not signed anything.
There are multiple links in the second link. Take some time to read up and you will get the general idea on claiming your money back.
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.
Thank you for your response, alanalana, but as 'teedoff' says the Vanquis Repayment Option Plan is not really a PPI.
Any other ideas or notions welcome as to how I should go about trying to get some money back off them - any 'magic' clauses or precedents etc., or any special Vanquis-related knowledge?
Perhaps someone from Vanquis would like to contribute?
It may be worth a phone call to tthe fos. Vanquis may tell you it is the repayment option plan is not PPI but I would not accept that at face value. The FOS may have dealt with vanquis cases and my be able to offer advice.
Just a thought
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.
Vanquis Repayment Option Plan
somewhat in as much as it was a surprise to be asked this on the phone and the lady did not go through the details.
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