cazziej v Vanquis

[cazziej]

Hi, around 2 weeks ago I sent S.A.R. letters to Capital One and Vanquis with the view to claiming back my charges.

 

Capital One responded within a week, enclosing statements for the past 6 years. Vanquis first sent a letter saying they would be in touch soon. Then on Saturday, I received a letter from Vanquis saying:

 

"Please be advised that your account is a "No Hidden Charges" product and therefore no default charges would be applied to your account.

 

I also sent a cheque with my original request, of which there has been no mention.

 

Is this right do you think. They only mention default charges, where the S.A.R. also asks about overlimit fees etc.

 

In any case, surely as I was requesting copy statements/information, they should have sent them regardless - it is up to me to find out if there were any charges or not.

 

What are your opinions please?

 

Thanks, Carol.

[rory32]

In any case, surely as I was requesting copy statements/information, they should have sent them regardless

Yes you sent them a legal request and they have to supply the information. They have 40 days after receipt of your request to supply this information. If they don't you can seek a court order which will force them to comply.

[cazziej]

Thanks for that information.

 

Would this be 40 days from my first contact, or 40 days from the date of the letter saying about the "No Hidden Charges Product"?

 

Best wishes

 

Carol

[rory32]

It's 40 days from when they receive your SAR.

[cazziej]

Thank you.

 

Carol

[rory32]

You're very welcome If they don't comply within the 40 days please let us know and we'll give you advice on how to proceed.

[MARTIN3030]

It will be very interesting to see what they turn up.

I am still collating info myself following my own DPA to them last year.

Rather than statements they are more in the form of screenshots....I could not make any sense of them but knew there was something wrong.

What I did do was reconcile my payments to them by using bank statements that showed them as paid.

When I added the payments I had made against the figures they showed on their screenshots there was a difference of 800 quid.

I wrote back asking for fuller info and got exactly the same things.

As any Vanquis customer will know,trying to get hold of anyone who is not an operator is almost impossible.

I called the ICO and was informed they had no listing for their data controller.

so back to square 1.

Now my account with them had been closed for about 3 years but within weeks of me threatening them with court action for non compliance of the dpa they sold my account on to a dca.

I have scoured for info on 5 other sites but f

drawn a blank as there seems nothing is known since no one has managed to crack these screenshots.

A thread of my own inviting other Vanquis claimants to give their progress also brought nothing.

It is my view that these are possibly the only ones from the bunch who have escaped attention by nature of their houdini methods.

Maybe time to make a concerted push to get a few Vanquis claimants together for sharing a plan of action.

Vanquis like City card and associates were primarily operating accounts for those with problems getting cards from the banks.Typically you were first advanced 100 quid and as time went on it was moved up to 250 and then 500.

The interest rates were high and late payment charges as well as overlimit charges were in force.

But no signs of them on the screenshots.

How they can say no hidden charges is beyond me....

They are hidden so well but with some work we can hopefully find them.

[gizmo111]

Martin, this lot are part of Provident the doorstep loan sharks, so I wonder if they are the data controller for the whole lot?

 

The interest rates are good though @ 39.9%

 

I had a card with these for a very short time

[MARTIN3030]

I know Sandra.I have just dug out my stickie I could not find for a long time....looks like there is some movements.Like you say prob the same controller but Provident have been in this game a long time...in fact I think since the 60s they know the tricks.So its a case of looking at all these guys threads and seeing whats going on.

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/96026-vanquis-any-claimants.html?highlight=Vanquis

[MARTIN3030]

Caz I have re-titled this thread for you and moved to the right place so hopefully other Vanquis claimants will help.

When you are ready start another for your Cap1 claim.

They are in the same group but have a dedicated forum.

[surprise]

Martin if it helps they have a new legal bod who seems to be on the ball. He has sorted my claim out to my satisfaction within a month of being employed there.

 

Stephen Weeks, Legal Counsel, Vanquis Legal Team, 12 Arthur Street,

London EC4R 9AB.

[MARTIN3030]

Excellent - I will put this info in my stickie

Thanks for this.