I am new i am looking to claim rop back how do i get started?

rop?????

vanquis repayment option plan

Helping you protect the Credit Score you’re working so hard to build

The one thing we can all be sure of is that life is unpredictable. Accidents, illness or unemployment can happen at any time and you may find yourself in difficult financial circumstances. That’s where Repayment Option Plan comes in; helping you stay in control and protecting the credit score you’re working so hard to build.

Account Freeze

Designed to act as a safety net you can freeze your account for up to 2 years in the event of difficult financial circumstances without incurring any interest or needing to make any payments. Although you won’t be able to use your card, your account will be reported to the credit bureaux as being up to date so your credit rating is protected. Terms and Conditions apply.

Payment Holiday

Taking a Payment Holiday once a year means you can miss your monthly payment in a month of your choice, providing you with extra breathing space if you’re having an expensive month. We will report your account to the credit bureaux as being up to date. You will need to have had your account for 6 months before you can take a Payment Holiday and not have used a Lifeline or Payment Holiday in the last two months. Interest will continue to be added to your account during a Payment Holiday.

Lifeline

Once a year, if you forget to make your monthly payment we will forgive you the late payment fee and report your account to the credit bureaux as being up to date. Your account will be suspended and you won’t be able to use your card until the payment is made. You must make the missed payment before your next payment is due - the sooner you make it, the sooner you can use your card again. You will need to have had your account for 6 months before we can activate your Lifeline and not have used a Payment Holiday or Lifeline in the last two months. Late payments will affect your eligibility for a credit limit increase. Interest will continue to be added to your account while a Lifeline is activated.

Payment Reminders

You’ll receive a Payment Reminder text message 5 days before your payment due date with useful account information, payment amount and the date it is due, so you need never forget to make a payment.

Overlimit Alerts

If you are close to your limit or overlimit, you’ll receive a text alert before your payment due date so that you can bring your balance below your limit, avoiding an overlimit fee and protecting your credit rating.

A Summary of the Repayment Option Plan Costs

The Full Plan is charged at £1.29 per £100 (or 1.29% per month) of the monthly outstanding balance on your statement and the Standard Plan is charged at £1.19 per £100 (or 1.19% per month). So, as your balance changes, the monthly cost changes. The Plan Charges will be charged to your account and will reduce your available credit. This means you will have less credit available for other transactions.

Since the Full and Standard Plans are different, you must tell us if your circumstances change once you’ve opted-in, so that we can make sure you are on the right Plan.

best avoided people in the future no value there

yes you reclaim it the same as you would PPI

get all the statements first via an sar.

https://cse.google.co.uk/cse?cx=partner-pub-8889411648654839:6449422593&ie=UTF-8&q=Vanquis+rop+claim&sa=Search+CAG#gsc.tab=0&gsc.q=Vanquis%20rop%20claim&gsc.page=1

hi

what is SAR?

hi

 

what is SAR?

click on the BOLD SAR sign and read contents