Hi All, long time no log in!! I've been battling with Vanquis since their email to me around July time of this year when they advised me that they were uping the minimum payment so that my balance 'can be paid off quicker'. Yeah, right!! Since this increase in the minimum payment, i've been sending them around £190.00 a month since August (my balance was over £3,500) and although i've seen the balance reduce, if you're clearing your balance quicker, surely the more it's reduced the less your minimum payments should be getting every month. Not with these theiving SOB's. I took a ROP payment holiday in September this year and they caused that up to the extent that they actually refunded me £160.00 which i thought was quite amusing, as their Customer Service people had to admit they cocked up!! With regard to the ROP payments i had been making as well - i thought this was only a one-off payment of £40 as that was the way it was explained to me at the time i signed up to it, but it transpires that this £40.00 was being charged EVERY month - quite a high price for a yearly 'payment holiday'. No wonder my balance never seemed to be going down before i had this removed from my account! Another email was received around mid-November time saying 'sorry' about the mis-selling of the ROP facility and they they could have explained it better etc, etc. Bottom line is that they have refunded me the interest AND the premiums over the amount of time i've had this and they credited my account with just over £1,270.00! My balance is now down to £1,700 and after my remortgage is finalised very soon, that remaining balance will be paid off and these people are getting kicked into touch..... after i've told them in no uncertain words what i think of this bunch of thieves. As others have said here - if you have a Vanquis Card, get shot of it as soon as you can. The best thing that can happen to this bunch of blatant Rip-Off merchants is for them to go the same way as Monument did.

I was in a car crash in October with my husband and our children, the car was written off and we ended up having to pay the entire years premiums within 7 days. We weren't in the wrong, but the knock on effect of an open claim has left us having to pay higher insurance premiums and we were unable to replace our car for months. I've wrote this in depth, but I can't paste it from here, unless somebody else can. I was just wondering if anyone has had a similar experience and if so, how long did it take until it came to an end? My husband, our children and I were in a car crash in October 2017 after a man decided it would be a good idea to turn his head 90 degrees to the left whilst driving at the national speed limit, going around a corner! We were travelling in the opposite direction to this man, when my husband noticed him. My husband drove us completely off the (county) road, to the left and stopped the car. The man then decided to look at the road he was driving on and noticed us, then his instincts told him to swerve his car, head on into us! We were off the road, there was no other traffic in either direction. The road was clear for him, but he ran his car into us on his right!! He started up his car and tried to drive away, but his car made a crunching sound and stopped him. The police just happened to drive by and it was (we thought) clear who was at fault, but his insurance company is big and ours are small, and someone on the drivers side is denying liability, even though the driver had previously accepted it. Our car was written off, car seats were rendered unsafe and we were faced with an insurance bill of almost £1k, to be paid in 7 days, because apparently, when your car is written off, you need to pay the remaining balance to your insurer and we were 2 weeks into our new insurance cycle. We live in an isolated rural area, a 2-hour drive away from our nearest family and my husband had a 2 hours drive to get to work and back each day. 'Luckily' this happened on my husband's first day of our holiday week, so we had a bit of time to try and sort something out. We eventually got a courtesy car, but it wouldn't accommodate all our family and the cost of replacing the car seats was too high for us to cover. Just the cost of getting a courtesy car cost us a small fortune, having to go back and forth (40+ miles) to the hire company and garage by bus, over 4-5 days. We were foolish to think that this would be resolved easily. We were on the right side of the road, the other driver wasn't, simple right? We were faced with the reality that the £1k we'd just paid the insurers, to pay off our annual car insurance bill, was not going to be finding it's way back to us anytime soon and now Christmas and 2 of our kids' birthdays were here! Credit cards and overdrafts were now needed to do the shopping and we were unable to spend Christmas with our family, which had never happened before. It devastated my parents and the kids' missed spending the day surrounded by all their family, like they'd grown up with. I can't drive and buses don't run here very often, and the cost of getting to the nearest town with the kids is over £20 to get there. I wasn't able to leave the house until January, when we were able to buy another car. We have continued back and forth with the insurance company, but it's now June 2018 and all our money went into paying the insurance company and replacing our car. I can't believe that this is our reality! Our insurance company has told us it's now our word against theirs, and we've been advised to back down, but we weren't in the wrong, so we told them no and that we wanted to fight the decision, but that now means that there's no end in sight and that money we paid, will not be returned until the case is closed. We are unable to have a holiday this year, we haven't had one for years, but we'd saved for the previous few years and all that saving paid the insurers and replaced a previously decent car. The kids don't feel as safe as they did and I don't feel like I can keep them safe anymore. This man is still on the road, driving around our area and that's the worst thing. He's a danger to himself and everyone else. I would really appreciate any help anyone could offer and if anyone knows how long this is likely to go on, that would help greatly. I know there are so many more needy cause on here, we have a house and we have staple foods like pasta, so we're not in as much need as those with ill children, so I don't expect or want funds that could otherwise help those causes. I just wanted to share our story and perhaps make a change to the way these things are dealt with, because our problems are very real. Thank you for reading.

Hello, My dog was in the car and think he may have knocked ticket off the dash as it wasn't a sticky one...dog not in any pictures taken so cannot prove he was there, however you only need to smell my car to know : ) I still have the ticket which was 50p and fine is now £100! I sent a picture of ticket the same day but was rejected, applied to POPLA who also rejected it...I am now on second or third threatening court letter...this ones says unless I pay by 23rd June it goes to their solicitors : ( Don't mind going to court but have no idea how much this would cost if I have to pay for the fine and their and mine court fees etc...not sure if I should cough up rather than fork out a grand??? How likely is it they will take me to court, is my case a tomato, and if I end up with egg on my face will I need to rob a bank?

Afternoon all, been a while but I have a new problem, my wife has cancelled her old contract with Orange as it was too expensive, she had 3 phones on it one for herself and two for the kids, the final settlement figure from Orange came through higher than expected on enquiry she has been told that it was due to charges being added for itemised billing, which she had never agreed to and has taken up with them in the past, sent a SAR to orange which they have sent back and said she has to fill in thier own SAR form, in the meantime they have passed the account to Red Castle Recoveries, she has filled out the SAR form and I have printed off a new SAR letter for her to send them to and also a letter for Red Castle pointing out this account is in dispute and also attaching a letter telling them that their threats of doorstep collection will be reported to the FCA, anything else I can do, she is willing to settle the account in full once she can get a figure which does not include charges for services not requested, regards Purp

Sorry for poor title, have to be a little careful on how I post this due to his current situation, long story short, my dad retired from his company about 3 years ago, but is still 60% share holder, he provided security in the form of property he owns to Natwest for loans taken out while he was with the business, since he has left his ex partners have caused all sorts of problems and he wishes to completely leave the business and disassociate himself with it he needs to sort out the security with Natwest to do this, Natwest will not deal with him regarding it as he is no longer a signatory on the account, his ex partners will not provide the information either and it is thought that they have quite possibly borrowed more money against the security without his consent, again unless Natwest will grant him access then there is no way to prove it, is there any way to get Natwest to produce the information required? thanks purp