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About DarkConvict

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  1. I was helping out someone with vanquis as i may have mentioned. Sadly due to the tax office making a mess of his tax affairs he has had to go bankrupt in the end, which has now been approved. However just for the record the CCA we sent, was returned to us some 18 days later from date they received so 4 days late. But it was as expected just standard terms + amendments over several pages stapled together, in addition the crucial part the application form was not even filled in nevertheless even signed, which was explicitly highlighted in my CCA is sent, to get the legally binding signature
  2. Which address, for vanquis when sending a SAR i used http://www.ico.gov.uk/ESDWebPages/search.asp Data Controller: VANQUIS BANK LIMITED Address: COLONNADE SUNBRIDGE ROAD BRADFORD WEST YORKSHIRE BD1 2LQ Alternative address http://www.vanquis.co.uk/home/Contact_us.aspx Vanquis Card Customer Services PO Box 399 Chatham ME4 4WQ
  3. Thanks, ill get that printed off now. its for a friend who has had the trouble so im sure he'll be glad i have this ready now
  4. Similar to http://www.consumeractiongroup.co.uk/forum/getting-out-debt/213625-sar-advice-one-send.html Can anyone recommend which of the many SAR/CCA templates available are best to send to vanquis over a credit card debt & mis-sold PPI. I think i have the right ones but i would appreciate some advice from others before sending them off.
  5. I dont think vanquis have a good record of decent responses from what i have read on these forums. More reputable banks seem to put up more of a fight, although from what I've seen of vanquis they are just viscous people, so who knows. Good luck thou!
  6. Hi, Minor off shoot from a previous topic i started, but which of the following is the better SAR to send. It will be sent to 'Vanquis Bank' the original and current holder of the credit card debt in question, although they did pass it to there own internal debt collection agency 'Impact Collections'. I have found two templates, which do you think is best to send. http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca http://www.consumerforums.com/resources/templates-library/48-bank-templates/110--data
  7. Let us know how it turns out, i am preparing paperwork for a friend who has been in trouble with vanquis as well. I don't know much but i am sending a SAR and CCA requests, and see what they say. If they don't provide the statements and/or signed credit agreement then they are missing paperwork. The SAR will include statements from what i have read, as it states all information regarding yourselves and your accounts.
  8. Hi, Just logging on before my weekend trip, i've had a look at what you mentioned. I did know about the charges but forgot to mention them, sorry GhostDebt. But thank you for the advice. maroondevo52 you have cleared it up a alot more for me to what legal stance can be taken following the 2 letters and where to proceed from there. thank you very much. I understand there isn't any set route as it depends on when and how these companies reply. sam614 Thanks for the template letter, im terrible at finding them Ill be back in a few days to have a look to see if there is any mo
  9. Hi, Been searching for a few days now and i am still not 100% sure on the CCA/SAR process. A friend of my mothers has gotten into trouble with vanqis (£2.5k) which are i believe fairly well known on these forums, so i have offered to help in out as they flatly refuse to deal with CCCS to reduce payments and have now passed it to there internal debt collectors (Impact debt collections) The question, What is the process for dealing with vanqis. So far i am planning to write up letters for him, 2 telephone harassment letters to get them to write to him instead of phoning.
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