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tracyab1972

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tracyab1972 last won the day on July 5 2017

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  1. Hi they are saying it was a pre existing condition and that I had only booked my holiday 2 weeks before flying when in fact it was booked one year before. I phoned them to tell them I was admitted overnight in hospital at home before going on holiday, told them my diagnosis and was advised that I would still be covered but the letter now says I should’ve got written authorisation from them but I was never told this on the phone. I gave the consultant I’m in the USA my previous medical history regarding the issues I had at home and they have put that on the report although I never pre
  2. I have now received word back from AXA declining my claim. Can anyone please advice on the next steps to take to complain about their decision please?
  3. London, thanks very much. I will do just that and get back on here for more advice if needed. Thanks again and to dx100
  4. dx100uk I checked the SAR from Vanquis last night and as you say, the CCA is the exact same as the one from Lowell. I can't seem to find the interest rate charged. Does anyone know the average cap1 rate please?
  5. The default amount was £3406 and the amount now owned is £2456 £12 x 5 over limit charge £12 x 4 late payment charge
  6. Will it help if I upload what I received from Vanquis? sorry for sounding thick...T&C’s blank of my details?
  7. Hi the attachment is a CCA request from Lowell but I also requested a SAR from vanquis which I received a week ago
  8. Thank you. I will await Andyorch & dx100uk advice and will ignore Lowell. Thank you for replying London1971
  9. Hi Is anyone able to advice on the attachments please? Before I start getting hounded by Lowell again. Many thanks
  10. I've just realised they have included a statement also and have a lot of the following on it: Example: £23.20 BILLED DEFERRED FINANCE CHARGES 09-02-2015 £77.42 BILLED FINANCE CHARGES 09-02-2015 £12.00 LATE PAYMENT CHARGE Finance charges are different amounts. Is this meant to be interest charged? I can't understand the two different amounts on the same dates. I have a lot of these on the statement (all different amounts)
  11. Good morning, I now have the requested documents from Lowell which I have uploaded. If someone could go over these for me and advice me further I would be grateful. Digital signature.pdf CCA.pdf
  12. Thank you for your help. I have forwarded on the email to AXA and let them know that I have not responded to the email.
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