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About jodes2210

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    Basic Account Holder
  1. I don't have excel , so can't open it without errors
  2. No theres no ROP to claim back just charges
  3. Ok try this one......hmm don't think this works either sorry
  4. I had a quick look to see if anyone had any recent wins over Vanquis but couldn't see any only ones that went back a few years, I didn't want to get caught up too much in how other companys worked.
  5. Its on open office so I cant attach it
  6. Just trying to figure out how to attach it
  7. I took the card out in march 2007, this is the list of charges and yes it long oops that didn't work properly
  8. I've paid them back over and above the £250 I actually owed them, so don't see why I should pay them another £700, the only thing I'm confused about is, if I stop paying them now then they are of course going to continue to add charges to my account so the amount I'm claiming in my first letter will differ to what is probably now due back to me or will be due back come the time it goes to court, what happens then??
  9. I'm hoping they will back out before it does actually go to court , I'm nervous that it will go all the way and then I'll be forced to pay everything plus more I calculated the interest at 8%
  10. The first letter I sent requesting charges is below: Vanquis Credit Card Dear Sir or Madam I am writing to request that you repay all the late payment fees and over limit fees that have been applied to my account. I do not believe the charges reflect the true cost to Vanquis Bank and are unfair and disproportionate. I am therefore requesting a refund based on the Unfair Terms in Consumer Contracts Regulations 1999. The charges total £1092.00, plus as I believe I have been unlawfully deprived of the money I have calculated £232.28 interest at the statutory rate, the amount the court will award. I therefore ask that you repay me the full amount of £1324.28. I attached a full schedule of the charges and interest with this document. I look forward to your response within 14 days Yours Faithfully
  11. So if I take the court route do I send another letter telling them this and then do it as a small claims court if I get another refusal letter?
  12. I've already tried reclaiming the charges but they refused If I stop paying them what do I then??
  13. Really need some help with getting rid of my Vanquis Credit Card please. Long story short because of a few missed payments a few years ago and Vanquis being very unhelpful and adding on loads of charges I owe over £700 on a £250 limit even though I have been paying them £25 per month for the last few years it hasn't made a slight bit of difference, my balance just keeps going up and up and I've had enough now. I've requested copies on all my statements, t hen tried claiming back all the charges on my account plus interest with totalled £1300 and got a refusal letter. I've also requested a copy of my CCA which has just turned up this morning and its just a digital print out from an internet request I did on 3/3/2007. I'm not really sure where to go from here, Impact have sent me a letter saying if I don't pay the over limit amount they are going to default me. Is there anything else I can do? At a push I'm willing to offer them a settlement amount just to make them go away but I'd rather not as they've had enough money from over the years.
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