Thank-you gor bring so gracious with your help, if you had explained the logic behind your argument in the first instance we would have got their quicker. Your reason is not the one that they used but hey.

6 weeks later?

So what, that's nothing to do with vanquis, I asked them to close the card. They said they had, and as a result of their error they paid something they should not have done. It's not about morality surely?

Eh? Google debited the card 6 weeks after I was assured the card was closed. If that the point you are questioning. Vanquis not closing the card was a simple error on the part of their person that I spoke to. They accept that.

Really? They told me it was closed, they agree to that. If they had closed the account like they said they had this would never have happened. Direct consequence of their mistake. What is the logic to this being OK? They did not know it was pending, the Google debit was paid 6 weeks after the card was closed.

I closed the card and they told me it was closed, and agreed 2 months later when I complained that it should have been closed. And they paid a debit 6 weeks after it should have been closed. It's not about the Google debit, its about them telling me the card was closed, not closing it, then paying a debit and then telling me its valid and I owe it to them. How can that be right?

Howdy, I had a short lived credit card with Vanquis that I did not need. I paid it off in full and called them and closed it with the person at the other end. 2 months later they started sending me messages about late payments, I called them and to find out that the card had not been closed in error and 6 weeks after it should have been closed they paid a google debit of £560. I hit the roof and made a formal complaint that took them well over a month to respond to. They agreed they were at fault, refunded all late payments fees and offered me £100 in compensation. However they said the debit amount stood as 'I had benefit from it' and I should get a refund from google. I hit the roof again but they have stuck to their guns. The debit from google is a genuine one but I wanted to dispute it with google and closed the card so they would have to engage with me. But surely that's neither here nor there surely? What is the next step? Ombudsman takes forever doesn't it? thanks in advance

You are in good hands here, I suggest you follow the advice given and have no dialogue with the other party at all other than advised to. The other party throughout will try to intimidate and frighten you, most especially with legal action and court. It is almost certainly bluff. They can threaten court action, set a date and a time and fold on the morning of the day, they usually do. If they are offering settlement figures then that is a sign of weakness on their side. Hold your nerve, be brave and follow the advice you are given, it's worked for hundreds of others and it worked for me on several cases with several lenders far more reputable than doorstep merchants

Cool, please consider a modest donation towards the running costs of the site in return for the support and advice.

Routine advice is to not get into unecessary dialogue.

I'm not familiar with your case but two general points, if you really have had enough and you can afford to settle then do it. And the fact that they are agreeing to increasingly lower settlements could be seen as a weakness and reluctance to go to the last stages And the other side will try and discourage and unsettle you right up the last seconds that's what they do if you were confident only a month ago, what has actually changed since then to make you want to fold?

Excellent, please consider a modest contribution to the site in recognition of the help you have had and the potential expense saved.

Have not read the thread but the debt job will bluff all the way to the last second that they will take you to court and smash you to pieces. Just play a straight bat and do what you need to when you do and take it one step at a time.

Them offering settlement figures is a good sign.

all going to plan so far, or at least exactly as my case did, hold your nerve