Thank-you gor bring so gracious with your help, if you had explained the logic behind your argument in the first instance we would have got their quicker. Your reason is not the one that they used but hey.

6 weeks later?

So what, that's nothing to do with vanquis, I asked them to close the card. They said they had, and as a result of their error they paid something they should not have done. It's not about morality surely?

Eh? Google debited the card 6 weeks after I was assured the card was closed. If that the point you are questioning. Vanquis not closing the card was a simple error on the part of their person that I spoke to. They accept that.

Really? They told me it was closed, they agree to that. If they had closed the account like they said they had this would never have happened. Direct consequence of their mistake. What is the logic to this being OK? They did not know it was pending, the Google debit was paid 6 weeks after the card was closed.

I closed the card and they told me it was closed, and agreed 2 months later when I complained that it should have been closed. And they paid a debit 6 weeks after it should have been closed. It's not about the Google debit, its about them telling me the card was closed, not closing it, then paying a debit and then telling me its valid and I owe it to them. How can that be right?

Howdy, I had a short lived credit card with Vanquis that I did not need. I paid it off in full and called them and closed it with the person at the other end. 2 months later they started sending me messages about late payments, I called them and to find out that the card had not been closed in error and 6 weeks after it should have been closed they paid a google debit of £560. I hit the roof and made a formal complaint that took them well over a month to respond to. They agreed they were at fault, refunded all late payments fees and offered me £100 in compensation. However they said the debit amount stood as 'I had benefit from it' and I should get a refund from google. I hit the roof again but they have stuck to their guns. The debit from google is a genuine one but I wanted to dispute it with google and closed the card so they would have to engage with me. But surely that's neither here nor there surely? What is the next step? Ombudsman takes forever doesn't it? thanks in advance

You are in good hands here, I suggest you follow the advice given and have no dialogue with the other party at all other than advised to. The other party throughout will try to intimidate and frighten you, most especially with legal action and court. It is almost certainly bluff. They can threaten court action, set a date and a time and fold on the morning of the day, they usually do. If they are offering settlement figures then that is a sign of weakness on their side. Hold your nerve, be brave and follow the advice you are given, it's worked for hundreds of others and it worked for me on several cases with several lenders far more reputable than doorstep merchants

Cool, please consider a modest donation towards the running costs of the site in return for the support and advice.

Routine advice is to not get into unecessary dialogue.

I'm not familiar with your case but two general points, if you really have had enough and you can afford to settle then do it. And the fact that they are agreeing to increasingly lower settlements could be seen as a weakness and reluctance to go to the last stages And the other side will try and discourage and unsettle you right up the last seconds that's what they do if you were confident only a month ago, what has actually changed since then to make you want to fold?

Excellent, please consider a modest contribution to the site in recognition of the help you have had and the potential expense saved.

Have not read the thread but the debt job will bluff all the way to the last second that they will take you to court and smash you to pieces. Just play a straight bat and do what you need to when you do and take it one step at a time.

Them offering settlement figures is a good sign.

all going to plan so far, or at least exactly as my case did, hold your nerve

No reason not to as car as I know, get it done.just don't leave it the end as it took me a few days to get through to someone.

Takes a while to get through. The person at the other end knows the drill and will ask if you have the material you require to be able to mediate, you say no (CCA). That simple, getting through to them is the only aggy bit.

900 parcels in an 8 hour shift is a delivery every 35 seconds, that cannot be correct.

Hello, still no agreement? It almost seems like the powers that can no longer be bothered to cobble together a copy. So far this one seems to be effectively the same as mine from what I read so far.

The wife says this gets sent every month, tsk. Can mods delete please

Hello all, I moved from Barclays quite some time ago, leaving behind an o redrawn account,within a limit, of about £1500. My wife has been repaying as part of a debt settlement thing di all good. Today a Termination Notice with effect from the 6th and tbey want the £1300 odd straight away else the usual threats. Just supposing I don't have that sort of money lying about ... Is there best practice from this point? I've done bank charges and credit card ccas but this is different I assume? Is there anything to challenge or is it just case of agreeing some sort of repayment with them? It's an old current account from perhaps 15 years ago that we stopped using perhaps 10 years or more ago. As ever thanks.

hello Nurseslayer, Hoist/Cohen have just discontinued on my case, also without an agreement ever being produced, I had a court date set for next month. I appreciate our cases are different but as per the mods' advice, it's a matter of sticking with it and calling their bluff. I was expecting them to go a lot closer to the wire, perhaps they're having a pre crimbo tidy up, good luck.

Good afternoon all, a letter today dated the 171219 telling me they have discontinued the claim and closed my account, along with an attached Notice of Discontinuance. That's it all done and dusted isn't it? If so, whoop and thanks once again for the guidance and help from dx and Andy and anyone else. For anyone reading this one, I never even got sent a reconstituted agreement, just a crappy print out of a web form that i was supposed to have filled out 12 odd years ago. A modest contribution to the website is on its way.

have opened a case in Resolver for both pairs, will update as and when, off to the shop for a third pair this sat, not the same model this time.

Right, I might go through Resolver, it certainly got my banks attention sharpish recently on another matter. It seems to me that two pairs of the same model of boots failing in succession strengthens my argument so should I start from scratch with both pairs n a single complaint?