:confused:A cagger suggested that I post a new thread with reference to this issue. My mother (82) has been sold a credit card by this company, she is elderley and really doesn't understand the difference between a credit and a debit card and she has withdrawn cash on the card, you can imagine the charges!. What really made things worse was that she was sold something they call the repayment option plan, and on a balance of 1702.62 she was charged £20.02 on top of the interest charged of £75.22. I am tempted to pay the card off but I am reluctant to do so until I can find out what the repayment option plan is and get the money back. A phone call to the bank informed me that it was not an insurance policy and therefore does not come under PPI i ahve requested a list of ALL charges and would love to get the ROP back. Apparently it comes into effect when thee customer is unable to pay through illness etc. So my mother is paying into a pot to ensure that Vanquis aren,t out of pocket if she is unable to pay through illness or the death of a close family member. The full details are a little sketchy and I am waiting for clarification on them but basically they are refusing to give me the list of insurance charges because they say there aren't any. I don't think they shoul have sold her the card anyway but really would like to expose this back door insurance.

This bank is a total nightmare, I have recently been trying to sort out my 82 year old mothers finances. When i saw the repayment option plan I initially sent a letter to try to reclaim the "payment protection" they had sold her, they replied that the plan was not a ppi they don't sell it and therefore there was nothing to refund. When we rang today the customer assistant said that this was protection for "when she was ill and her income may be affected or if she lost c close family member then the account would be frozen(not paid off. I questioned her for a few minutes she still insisted it was "a plan" that my mother had agreed to on the phone. Is this correct how can they sell a plan like this to an elderly woman on a fixed income ?? and what do i do next. PS my mother thought it was ok to take cash out on the card too!