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mick123

Repayment Option with Vanquis CC

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Please could someone advise me as i am new to site like this.

I took a credit card out with Vanquis Bank in January 2007 but can not recall taking out Repayment Option Plan out with them, I have noticed on my statements that this is added to them all, I have contacted Vanquis by Phone and asked for a copy of me signing for the Repayment Option Plan as I do not require it or never had, I was told it would have been done over the phone, so I asked for a copy of the call , Was told I would receive a call back at a time agreed 7 days latter as it would take that long to find the recording, it is now 3 week and have had no reply. I open the credit card account via the internet mid January 2007 and have a emailed copy of my agreement from that date in which it states copied from agreement.

Repayment Option Plan

n You will be eligible to enrol in the Repayment Option Plan (the ‘Plan’) after

your Account has been opened.

n The Plan enables you to freeze your Account in the event that you or your

family experience a difficult financial circumstance (detailed in this section).

While your Account is frozen, interest will not accrue, you will not be obliged

to make any repayments or pay any charges and you will not be able to use

your Card or Account. The Plan is not insurance.

n You can enrol in the Plan by either: requesting the Plan from one of our

New Account Representatives or; by calling Customer Service or; via

Vanquis QuickCall.

 

 

 

 

 

 

 

 

Yours Thankfully

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this need to be moved to the PPI forum.

 

i'll get it done

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Please could someone advise me as i am new to site like this.

I took a credit card out with Vanquis Bank in January 2007 but can not recall taking out Repayment Option Plan out with them, I have noticed on my statements that this is added to them all, I have contacted Vanquis by Phone and asked for a copy of me signing for the Repayment Option Plan as I do not require it or never had, I was told it would have been done over the phone, so I asked for a copy of the call , Was told I would receive a call back at a time agreed 7 days latter as it would take that long to find the recording, it is now 3 week and have had no reply. I open the credit card account via the internet mid January 2007 and have a emailed copy of my agreement from that date in which it states copied from agreement.

Repayment Option Plan

n You will be eligible to enrol in the Repayment Option Plan (the ‘Plan’) after

your Account has been opened.

n The Plan enables you to freeze your Account in the event that you or your

family experience a difficult financial circumstance (detailed in this section).

While your Account is frozen, interest will not accrue, you will not be obliged

to make any repayments or pay any charges and you will not be able to use

your Card or Account. The Plan is not insurance.

n You can enrol in the Plan by either: requesting the Plan from one of our

New Account Representatives or; by calling Customer Service or; via

Vanquis QuickCall.

 

 

 

 

 

 

 

 

Yours Thankfully

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Hi,

Because you didn't "tick the box" for PPI and allegedly agreed to this over the phone, they have a duty to prove that you did so.

This will be too much like hard work for them so don't expect any call back.

 

Instead, I recommend a SAR to them and try to be specific about dates and times they have said you agreed to PPI on the phone.

 

Here is a basic SAR:

http://www.consumerforums.com/resources/templates-library/48-bank-templates/110--data-protection-act-1998-subject-access-request-

 

You will have to adapt it to suit your situation.

 

fox


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thanks dx have moved it.

 

regards

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Thank you Fox for the advice will do that.

 

best regards

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Please could someone advise me as i am new to site like this.

I took a credit card out with Vanquis Bank in January 2007 but can not recall taking out Repayment Option Plan out with them, I have noticed on my statements that this is added to them all, I have contacted Vanquis by Phone and asked for a copy of me signing for the Repayment Option Plan as I do not require it or never had, I was told it would have been done over the phone, so I asked for a copy of the call , Was told I would receive a call back at a time agreed 7 days latter as it would take that long to find the recording, it is now 3 week and have had no reply. I open the credit card account via the internet mid January 2007 and have a emailed copy of my agreement from that date in which it states copied from agreement.

Repayment Option Plan

n You will be eligible to enrol in the Repayment Option Plan (the ‘Plan’) after

your Account has been opened.

n The Plan enables you to freeze your Account in the event that you or your

family experience a difficult financial circumstance (detailed in this section).

While your Account is frozen, interest will not accrue, you will not be obliged

to make any repayments or pay any charges and you will not be able to use

your Card or Account. The Plan is not insurance.

n You can enrol in the Plan by either: requesting the Plan from one of our

New Account Representatives or; by calling Customer Service or; via

Vanquis QuickCall.

 

 

 

Yours Thankfully

 

Please read through the following links...

 

PPI - Some Notes for Claimants..

 

Mis-sold PPI? Want your money back? use these links to help

 

Lots of information which should help you.

 

I would suggest you start with a Subject Access Request...

 

Full SAR for ppi and also here...

 

Data Protection Act 1998 - Subject Access Request

 

You can be specific with what data you request although the Subject Access Request is really asking for everything. The Statutory fee is £10.00 Postal Order is fine but keep the details of the number for future reference. The post office will be able to confirm when it was encashed (just call 01246 542091 they will even send written confirmation if you request it) Send all correspondence by at least recorded to be signed for so you can track delivery through Royal Mail

 

You should request the following documents:

 

A true copy of your Consumer Credit Agreement with the Terms and Conditions that were applicable at the time you took the loan/card/mortgage.

 

Copies of all statements applicable to the loan/card/mortgage.

 

Copies of all correspondence that apply to you as a data subject ie letters, emails, faxes etc.

 

Copies of all recorded telephone calls or transcripts of the recordings.

 

Copies of any notes made by bank/loan company staff in their dealings with you as a data subject.

 

Do not be fobbed off by them citing issues such as relevant filing systems.

 

If they have any records/data on you as a data subject and it is held under your name, address, post code, account number/s or any other system where the data is identifiable to you then it is a relevant filing system. Even if it is a specific serial number on microfiche records and the serial number is applicable to you.

 

This should get things started for you. Get the data, prepare and then reclaim.


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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I have merged both of your threads to make it easier to keep track ;)


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Thanks, AAA new to site never been on a site like this before thank you for the info and all your help

 

 

Thanks

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