Hi there, It was opened on the 13/06/2006 and then settled and closed on the 31/07/2009, they then sent me another card however and it looks from my credit report that they have closed that account as it is marked settled and setup a new one; again with the same start date of 13/06/2006. many thanks for your reply i am very grateful.

Hello, I am a bit stuck. I have a Vanquis credit card with a 1k limit. They have recently just increased my apr to 60%, withough telling me. Infact, stupidly i never even checked the apr each month so i didnt know they had put it up at all since i opened the account. Foolish i know. 1] I wrote and asked for my credit agreement 2] they wrote back with terms and conditons only 3] i wrote to request again 4] They have now wrote back stating i opended the account online [i cannot remember doing so] Should i not have a signed agreement or is that the end of that? They have never once wrote to me and told me my apr was going to be increased, if it was at 60% then i would have asked my other half for the money to pay it off. Its ridiculous and i just cannot afford it anymore. Can i do anything at all as i am in a mess.