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Vanquis Subject of Access help needed please.


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Hi all

 

I sent Vanquis SAR's on behalf of my husband and we have recieved it back. There was no credit agreements except the application form and nothing stated to say if it was held on microfiche or anywhere else.

 

The help I need is in regards to the statements themselves - picking out the late payment fees is easy as they state what they are etc but on a great of the statements even on some where there has not been late payment or cashe withdrawal there are 2 lots of interest e.g. interest £14.78 and then interest £3.90.

 

I scan one statement if reqiured as they are one pagers anyway. Can anyone enlighten me as to why there are two interest rates and can we claim it back and if so which one can be claimed back.

 

Any assistance in regards to this is greatly appreciated.

 

Many thanks in advance.

 

PS site has changed... like the layout.. ;)

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I think you would need to ask Vanquis, to breakdown/explain the interest charged. Why not photocopy a few of the statements showing two interest amounts and send these with a covering letter querying these.

 

Normally where interest is shown twice. One is for normal spending and the other cash advances/transactions.

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