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