Vanquis Bank - Overkill!!!!!!!!!!!!!

[katpuss]

Hi,

 

Applied and got accepted for a Vanquis Credit Card in March with a £250 limit. I used the card almost up to it's limit and then the problems started:

 

Recevied countless texts, letters and phonecalls even though I responded to each one saying that I had gone over limit due to interest charge. They then charged me £12 for going over limit, £12 for a letter they sent to me.

 

I called them up to explain that I was suffering from some financial difficulties and could I go into a temporary payment plan. They accepted the £10 per month that I could offer and agreed to suspend interest and charges.

 

4 days before the first £10 payment was due I received a phonecall on a saturday morning at 8.45am from Vanquis. The bloke on the phone was quite rude saying that my payment was late and that I had to pay now etc etc. I explained to him that the payment was not due for 4 more days, he checked the system notes and apologised saying I was correct and then he proceeded to end the call.

 

2 days before the payment was due I received a further letter from Vanquis stating that I had not made the payment as per the agreement and that I needed to pay the outstanding amount of £66 approx!

 

What should I do now as I am getting very frustrated even though I had tried to comply with them?

 

Thanks

Katpuss

[twofoot]

I'd reply explaining what was ageed and that you had every intention of paying the agreed reduced payment but in light of their unreasonable harassment you are considering witholding payment and inviting them to take the matter to court where they may get a judgemnt for £1 a month. Anymore harassment and you will promptly stop further payments.