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Vanquis repayment option plan

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Hi all


i have had a vanquis card since 2006 never had a problem or a charge from them other than a high interest rate!!! i have though only just noticed that i have a "repayment option plan" which is costing me up to £20 a month.


i rang them and cancelled the plan and asked for a refund. they said they would dig out my welcome call to find out if it was all above board and was sold properly.


i applied for the card online and as far as i can remember i never recieved a call from them.


what is the likelyhood of getting anywhere with them as regards a refund and as the application was done online in 2006 what are the chances of the agreement being enforceable


thanks for looking



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leicesterlad welcome to The Consumer Action Group community.


You haven't received any replies to your problem yet so you might be better off posting your story again directly in the sub-forum which deals with your kind of situation. You will get lots of support there.


Also, spend some time looking round the forum. Once you understand the layout, you will be able to get best use from this Consumer Community. It is a big forumm and may take some time. But it will be worth doing.

Good luck.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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hi sir gilmour thanks for your copy and paste response could you kindly direct me to the vanquis subforum as the search function didnt help and since the layout has changed since i was last here i didn't want to spam the forums and if its ok with you i will leave it here for a bit longer seeing as i only posted it a couple of hours ago :roll:

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Moved to the PPI forum

Anthrax alert at debt collectors caused by box of doughnuts


Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.


Vir prudens non contra ventum mingit



17 Port & Maritime Regiment RCT

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Looks and smells like PPI.


I suggest your first step is to get all your statements since you took out the card.


If you do not have these, you will have to send a Subject Access Request. The sticky entitled " full sar for ppi " on the ppi homepage will give you all the information you need to get the statements.


Good luck



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  • 2 months later...



No it doesn't say its their final offer.


it does say that "this plan is not an insurance product"


but they say their applications department did call me and they would have also fully explained the the benefits of the repayment option plan. and it would have been on this call that i would have agreed to to the plan. it goes on to state that it would have been included in my welcome pack and has been itemised on my monthly statement since 2006.


Where should i go from here???

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  • 2 weeks later...

I have been in a battle with Vanquis for a year now, both to do with charges and their so called Repayment Option Plan.

during many many letters going back and for, i did a DSAR, now the interesting bit on this, although incomplete, i have actually received to copies of the same rubbish from them.

1 copy has a sheet that says payment protection insurance and then it has been crossed out and Repayment Option Plan had been hand written in. the second copy just says Payment Protection insurance.


also included in my DSAR was a copy of an application form, and this also supprisingly enough does not mention either payment protection or repayment option plan.


so it would be worth doing a DSAR- although you will get garbage back, it should have some usefull bits in.


hope that helps

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