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I have a vanquis card and I run it perfectly, however I note that it went over limit for some reason, got charged all the usual rubbish then the phone calls started, please read my letter below for details...to this letter a got the typical standard rubbish letter, but still keep getting calls,
Vanquis Card Customer Service
PO Box 399
Chatham
ME4 4WQ
30 May 2007
Our ref: pc.vanquis.telephone1
Your Ref:
Dear Sirs
Harrassment By Telephone Account Number:
I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.
To date, since the 22 March 2007 I have received 34telephone calls from your office and I expect that after posting this letter I will receive further calls. This is completely unacceptable and is causing me great distress.
Some time ago I spoke to a representative who duly informed me that I was over my credit limit. When questioned as to how this happened it was a further 15 minutes before I received the answer that it was a transaction that took place that month, this, I note was after being informed that it was the interest applied that made my account over limit.
I then proceeded to explain that I have a minimum payment set up and as far as I am aware if my account shows over limit then the minimum payment should automatically take this into account and bring it back within the limit next time it is due.
If this is not the case then the way I view the matter is quite simple, Vanquis are therefore knowingly keeping customers over limit, thus enabling Vanquis to apply over limit fees every month.
Therefore, I require a full breakdown of all charges applied to my account since activation with a detail of why and by whom the charge was generated. As you are no doubt aware, these charges are unlawful at Common Law, Statute and under recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.
Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.
Due to the appalling nature and abuse of the telephone system you may wish to reimburse these charges to save any further embarrassment and I now require all further correspondence from your company to be made in writing only.
I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, which states;
“that a person commits an offence if, with the object of coercing another person to pay money claimed from the other as a debt due under contract, he or she:
[a] harasses the other with demands for payment which by their frequency, or the manner or occasion of their making, or any accompanying threat or publicity are calculated to subject him or his family or household to alarm, distress or humiliation,”
I am also of the opinion that you are in breach of the Protection from Harassment Act 1997 and the Communications Act (2003) s.127 and I intend to report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.
Be advised that I have compiled a full schedule of calls received to date including times to my mobile number and I enclose this for your reference at appendix 1.
I should also be grateful if you would provide me with a schedule of calls made to all of my numbers you have on your system.
Whilst in writing you should also note that my telephone service provider is now monitoring all of the calls made to my phones, I will record any further telephone calls and I will request that you record also.
I look forward to receiving your prompt response and reviewing your comments therein.
Yours faithfully,
Phillip J Charman
Enc. Appendix 1
Now then, here is a list of the calls received to date, I keep getting them, not to mention they ring the house phone momentarily before the mobile they call me on, I am at a complete loss, and need some advice, I will certainly wobble down to court and obtain some sort of restraining order or similar if I can, Im very busy with work at the minute and due to a death in the family i cant think straight, im having visions of jumping in the car and finding the call centre and slapping the offender silly !!!
Vanquis Credit Card
Schedule of calls received from 22 March 2007 by telephone Number 0800 2888640
Date Day Time of call
22 March 2007
Tuesday
09:38
22 March 2007
Tuesday
13:38
22 March 2007
Tuesday
14:37
22 March 2007
Tuesday
15:36
22 March 2007
Tuesday
16:34
22 March 2007
Tuesday
18:04
22 March 2007
Tuesday
19:21
22 March 2007
Tuesday
19:50
22 March 2007
Tuesday
20:49
Total
9
23 March 2007
Wednesday
13:53
Total
1
24 March 2007
Thursday
09:03
Total
1
25 March 2007
Friday
14:48
Total
1
26 March 2007
Saturday
13:23
Total
1
29 March 2007
Tuesday
14:14
29 March 2007
Tuesday
14:47
29 March 2007
Tuesday
15:31
29 March 2007
Tuesday
16:05
29 March 2007
Tuesday
16:38
29 March 2007
Tuesday
18:51
29 March 2007
Tuesday
19:33
29 March 2007
Tuesday
20:03
Total
8
30 March 2007
Wednesday
08:22
30 March 2007
Wednesday
08:56
30 March 2007
Wednesday
09:35
30 March 2007
Wednesday
10:46
30 March 2007
Wednesday
11:20
30 March 2007
Wednesday
11:53
30 March 2007
Wednesday
12:34
30 March 2007
Wednesday
13:31
30 March 2007
Wednesday
14:02
30 March 2007
Wednesday
14:34
30 March 2007
Wednesday
15:05
30 March 2007
Wednesday
15:46
30 March 2007
Wednesday
16:17
30 March 2007
Wednesday
16:46
30 March 2007
Wednesday
17:17
30 March 2007
Wednesday
17:49
30 March 2007
Wednesday
18:31
30 March 2007
Wednesday
19:09
30 March 2007
Wednesday
19:45
30 March 2007
Wednesday
20:16
30 March 2007
Wednesday
20:46
Total
21
31 March 2007
Thursday
12:23
31 March 2007
Thursday
15:37
31 March 2007
Thursday
16:07
Total
3
1 June 2007
Friday
09:20
1 June 2007
Friday
09:56
1 June 2007
Friday
11:04
1 June 2007
Friday
11:39
1 June 2007
Friday
12:11
Total
5
7 June 2007
Thursday
12:00
7 June 2007
Thursday
15:05
7 June 2007
Thursday
16:07
7 June 2007
Thursday
17:51
7 June 2007
Thursday
18:21
7 June 2007
Thursday
18:58
7 June 2007
Thursday
19:31
7 June 2007
Thursday
20:06
7 June 2007
Thursday
20:37
Total
9
8 June 2007
Friday
14:28
Total
1
9 June 2007
Saturday
10:03
Total
1
11 June 2007
Tuesday
13:57
11 June 2007
Tuesday
14:59
11 June 2007
Tuesday
15:10
11 June 2007
Tuesday
15:46
11 June 2007
Tuesday
16:52
11 June 2007
Tuesday
18:04
11 June 2007
Tuesday
18:21
11 June 2007
Tuesday
18:22
11 June 2007
Tuesday
18:22
11 June 2007
Tuesday
18:22
Total
10
12 June 2007
Wednesday
12:39
Total
1
14 June 2007
Thursday
08:12
14 June 2007
Thursday
09:23
14 June 2007
Thursday
10:51
14 June 2007
Thursday
11:54
14 June 2007
Thursday
13:03
14 June 2007
Thursday
14:07
Sounds dreadful!! It looks like your letter was based partly on this:http://www.consumeractiongroup.co.uk...se-letter.html. At the end of the thread is details of a complaint form specific to your situation to the OFT just incase you hadn't seen it.
Steven
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Steven
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GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Phil! I too have a card, and having now posted a prelim to MBNA will be working on vanquis next! Probabably only £100 worth of charges, but worth claiming back as i have a little one on the way in the near future!
I too have received upto 10 phone calls a day, on both land and mobile phones in the past and have also phoned to query why having got a D/D setup for minimum payment that they dont seem to take interest into account.
I am now well into the black with them so cannot really use the harrassment by phone as a strong form of attack although it will be mentioned!! Let me know how you get on with your claim!!
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
My husband took a card out with Vanquis & now they are driving me crazy. We didn't realise he was close to his limit & as soon as payment was due & they put the interest on it took him slightly over his limit, this added £12 to the account for the letter informing him & also a £28 charge for being over the limit. We have got in a mess financially so have taken advice from a councilor but Vanquis are ringing up to 10 times a day. My hubby has not been well & can't take there calls so they are harassing me all the time, they say they won't stop the calls until they speak to him even though I have told them its in the hands of a debt councilor. All the other companies we owe money to have been fine & left us a lone but vanquis are a nightmare.
I had 5 calls this morning between 10.15am & 1.30pm, I was out this morning up to that time & when i came in I pressed 1471 & it was there number so god knows how many time they had phoned before then. Are they allowed to harass people like this?
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Vanquis Hell
started, please read my letter below for details...to this letter a got the typical standard rubbish letter, but still keep getting calls,
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Originally Posted by julie1961
