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About Thisiseasy

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  1. Thank you for the detailed information, really helps alot! I can't seem to find the IRL Guide though - could you provide a link or point me to it please? Many thanks
  2. I did note that increasing credit limits seem more complained about but I am going to try for the reason that it shouldn't have been given in the first place. So they wouldn't remove the negative markers? I would have no problem/resentment in paying the balance minus interest and late payment charges if they did! I have not moved since I got the card. Could you tell me what will happen to these kind of accounts if Vanquis do go into administration please? Especially as it is with Lowell now? Many thanks
  3. Hi, sorry if this is in the wrong place but I have a query on making an affordability complaint. I took out a Vanquis credit card in July 2018. They gave me a credit limit of £500. I maxed out the card within the 1st month and made minimum payments for 4 months with money mostly borrowed from my partner. I couldn’t keep this up so the account defaulted in June 2019 with a balance of £619. £129 of this balance was made up of late payment charges and interest. At the time of taking out the credit card, I: • had just began self-employment after a long peri
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