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    • Hi All, before I start I know there are similar threads of the topic I am raising, and each, of course, has its own unique scenario, which may benefit others. My case is as follows: 1. I saw a gumtree ad on the 16th of Oct 2020 for a Mercedes E220 CDI, priced at 7,500 2. I called the seller and said I will come over on the 17th of Oct 2020 to view. 3. On the 17th of Oct 2020 I went to his place where he is working and viewed the car. He is working for a major car rental company. I checked the car and of course asked the normal things to ask e.g. any insurance write-offs, loans, accidents, etc. The seller said the car is clean etc.no loan, he had a loan but all is paid off etc. and he has the papers. 4. I negotiated the car price to 6,800 because the rims were showing some signs of damage, the rear light had a small burst, cosmetics, etc. I checked all but did not see any sign of damage to the car (it's a black car, the car was a bit dirty, and the sun was already setting in) 5. We agreed on 6,800 and decided to purchase the car. We went into his office, where I paid cash, and also got a Car Sales Invoice with all details of the seller, and a V5C green slip 6. I purchased car insurance and drove off. I asked him about Road Tax and he said Road tax is paid so I have not to worry, just need car insurance. 7. On 18th of Oct 2020 I cleaned the car interior because it was really dirty inside - it took me a few hours so decided to clean the exterior the next day 8. On the 19th of Oct 2020 I went to clean the exterior and after the car was clean I noticed some parts were resprayed. I became a bit suspicious; so on the 19th of Oct 2020 in the eve, I went on the internet and run an HPI check. The outcome from the HPI did not show any accidents, insurance write-off but an outstanding Loan with Moneybarn. At this point, I thought maybe the database is not updated, etc. 9. On the 20th of Oct 2020, morning, things were going through my mind; the seller said the car is clean, no issues, no loan since he settled all etc. but the HPI reports say there is still some outstanding loan. So what I did, I called Moneybarn, and explained the situation, and gave them the contract number as well (since it was displayed on the HPI report). They said they will send me a form by email, but they cannot share any information due to Data Protection (GDPR). fair enough I thought, but what made me boil, they said they OWN the car! So, I took the car and drove to the seller where he is working. I confronted him. He said don't worry, I will handle it, he has no time, he is very busy and bla bla bla. I said what reasons do I have to trust you, you lied, and now you say you still have a debt, etc. So I said I will not leave until he has settled the debt, or repay me my money. I also asked what is outstanding, he said around 7,000. Well, since I confronted him at his workplace he may have felt the heat, he assured he will settle all soon, I said sorry, I need a date, so I said you will settle the debt with Moneybarn by 23 Oct 2020, if not, you will refund me my money. He said Ok he will do it, so I said, since I don't trust you, you will sign a piece of paper, and sign it. On the paper, he wrote "I will clear the debt for the Mercedes by Friday" and signed it. I said I am not happy and added the debt details with contract number, and also a clause that if he fails to settle the debt with Moneybarn by Friday the 23rd of Oct 2020, he will refund me my money, 6,800, and sales of the car Mercedes, license plate, will be void. Also, I said to put an initial on each amendment I made with signature. He did, and I left. 10. On 22 Oct I sent him a message, to remind him to settle the debt by Friday 23 Oct 2020 noontime and also I outlined some legal jargon I had to sent that I received from citizensadvice. 11. On 23 Oct, morning time, I received a message from the seller, he said he will not/cannot refund me the money, not to visit him at his office or place, and that he feels threatened by me. 12. Now, the dilemma/headache; a). I received the form from Moneybarn on the 20th of Oct 2020 and I have to send it back within 7 days b). the seller send me a message he will not refund the money c). is the seller holding the title with Moneybarn or did he also buy and not knowing there is an outstanding loan on it d). did he sent the V5C to DVLA since I have the green slip? e). Shall I fill in the form and sent it to Moneybarn? f). If Moneybarn has all my details they may send someone to repossess the car? 13. I decided, I will not undertake anything yet, because my mind said, go there, confront him, park the car in front of the company since I purchased it there and signed all paperwork in their office, they will call the police, the police will come and surely will not do anything but will force me to remove the car and park somewhere else, record all on camera, take all evidence, sent to Moneybarn and at the same time to the seller's employer (when I asked him to sign a letter he will settle the debt by Friday 23rd of Oct 2020, he used a paper of the car rental company, and on the back, the logo of the rental company is displayed clearly and he may have acted on behalf of the company to sell me the car, after all, I don't know if he holds the title with Moneybarn - well, this is an excuse for me to even sue the car rental company, or blacklist him with the company he is working for since it seems he is some type of manager there and he may have acted in the capacity as a sales person to sell the car to me on behalf the company....). 14. So on the 23rd of Oct 2020, I didn't do anything like described under 13....it's not my style as such I called AWH solicitors, explained all, and they said one person is specialized in dealing with such cases and will call me back after studying my case and inform me if it is something they can fight or not. So they will call me Monday the 26th of Oct 2020. I also said I want to go now and confront the seller, but she said better wait till Monday, and if they can fight the case, they will tell me the next course of action - but my funds are limited and cannot afford a lengthy battle, because if no case against Moneybarn means I will have to sue the seller to the court which will cost me. The car has comprehensive insurance and with all this saga I added on the 20th of Oct 2020 also legal insurance on top. Lengthy story, but I am trying to be as detailed as I can, and yes I should have done an HPI before buying the car, but I am from Holland and car sales work there a bit different, and this is my first time I buy from a private seller. Well, once I have sent the form to Moneybarn, I will park the car in a garage, and at this stage, I am renting a room in a house (there is one more tenant). Since I am from Holland, I am planning a trip within 2 weeks to visit my family and I will drive down with the car and in the meanwhile wait if the solicitor can be of any help. I need some advice though, I am still planning to drive down to the seller on Tuesday after I talked with the solicitor, park the car in front of the company, and confront the seller, and try to record all. I will also try to make him sign a letter that I purchased the car in good faith from him (regardless if he holds the title with Moneybarn or not but at least I purchased in good faith from him). Evidence that I have: 1. Car sales invoice 2. Paper that I made him sign 3. Gumtree ad; I could retract this from google history, but the original add removed from gumtree. At least I can show it was advertised 4. I tried to create a history of past owners, total owners including me are 5. It seems the car was also posted on gumtree before by a company in Essex (I saw on google). The reason for doing this, it is very likely that the seller purchased the car from someone else with an outstanding loan. Since then I read a lot on the internet, so please any advice is welcome to pursue my case, I paid a lot and at least I want my money back. Also what I read so far, Moneybarn is not easy to deal with...thanks in advance for any advice I can use for my case.
    • Hi   I think you need to check not just the serial number but what Meter Point Reference Number (MPRN) as the MPRN is what is registered and energy supplier go off as well as the serial number.   So you need to see what the MPRN is as well as the energy supplier it is registered with.   If you look at this Ofgem link: https://www.ofgem.gov.uk/consumers/household-gas-and-electricity-guide/connections-and-moving-home/who-my-gas-or-electricity-supplier   In the above link to do this check it gives a link to:   Find My Supplier: https://www.findmysupplier.energy/webapp/index.html (note you may have to complete a captcha, then input your postcode only and click find my address, when the list comes up click on your exact address, you will then see you actual MPRN and the energy supplier linked to your address)   With the above make sure and take the details of the MPRN and the Energy Supplier, better still take a screenshot/pdf the webpage.   Please let use know if on doing the above it matches your current supplier?  
    • I had exactly the same issues.   Grossly over estimated bills from January onwards.  Despite what they claim, they are effectively taking an interest free loan from their customer base to keep the company in business.   They can dress it up how they like.  It’s irrelevant if they reconcile the bills the following month because they just over bill again thus keeping a rolling interest free loan.   it took two months of constant badgering to be finally moved to a fixed DD.   Once that was done I didn’t care how much they over-estimated by.   I had raised a query with the ombudsman over the billing fiasco and they readied a complaint should I wish to proceed.   I thought everything was sorted until May/June whereby I was allegedly more in debt then I was expecting to the tune of an extra months DD.   On querying it, it transpired that even though I was on a fixed monthly DD, because the bill was generated less than 5 days before the DD was due to be taken they didn’t take the DD.   They offered £5 compensation by way of apology but wanted to take two months DD in June.  I told them where to get off.   With appalling customer service,  bills that you need a Maths degree to follow, and I do have one and still struggled, inability to follow through on any agreements, constant gross over-estimation, the missed DD was the final straw and I proceeded with complaint to ombudsman.   Prior to getting to that stage I had to quote Symbio’s own complaints procedure to them to get any sort of response.   Their final offer to me was £25 goodwill and to waive an exit fee. The offer was derisory given the time it had taken to get things sorted and the continuing ineptitude.  Also, the whole thing has dragged on so long (5 months) I was already in the final 49 days of my contract and therefore there were no exit fees to pay and therefore nothing to waive.   Anyway, upshot is, ombudsman found in my favour.  Ordered an apology and a goodwill payment. Symbio appealed but were told the decision stood.   This week I received the goodwill payment.   I promptly left an honest and truthful review on trustpilot.   The next morning I received an email from Symbio with an apology.   This was followed an hour later with an email from trustpilot saying Symbio had replied to the review.  On reading the response they have accused me of not following procedure and of cyber bullying.   The company is a complete joke.
    • why not simply tell you supplier they have the wrong meter number you been paying for usage , and ofcourse you can view this online too so its not as if you'll owe anything you might get a nice surprise and find you are owed a refund.
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Beware Of Vanquis Credit Card


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You want to give it *at least* 6 - 7 working days to clear in order to get no interest charge. Try and budget from the 10th to the 9th of each month, and pay on the 9th by debit card - that way you'll be getting the benefit of the £100 "float" with no charges. If you go down to the wire on paying, you run the risk of missing the payment and getting lumped with interest.

In knowledge lies wisdom

 

Mo - not even a bar-stool lawyer, but I'll help where I can...

 

 

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Dont pay by DD pay over the phone and speak to an advisor, get the transaction number, it usually appears oon your account within 2 or 3 days, that way you only pay what you have, the trouble with DD is that you could have a short month and want to pay less than the full balance by paying over the phone you keep the control with you.

Also Vanquis are no better or worse than any other card company if you run your account properly, yes the interest rate is high but if you can afford to pay it all off there is no interest and if you dont it isnt very much on a small credit limit for a month or so.

If I have been of any help, please click on my star and let me know, thank you.

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  • 2 months later...

Hi, I don't know if anyone can help me but;

I have had a vanquis card for 4 years, starting off with the original 250 balance and finishing with over 2000. I never went over 800 and always paid back more than my minimum amount. However about 4/5 moths ago vanquis didn't take my DD. I didn't notice I know this is awful, but I was very ill and 8 months pregnant and still teachin full time, this happened a 2nd month and I received an impact collection letter. Having rung them - told that I had to repay my whole total which was now over 1000 pounds or it would go on my credit rating. I couldn't do this and agreed to pay in instalments. I pay the first instalmet, Money has gone from my account and I assume all okay. When I get my next statement it still has the same total??

Having today recieved another Imapct letter, telling me they are going to recover the balance as I have not paid again - I have ust checked and the DD has not gone out this month.

Can they do this, and what rights do I have about payments as they are now saying that I have to pay 200 pounds immediately - I can not pay this as I am oon SMP at moment ?

Thanks in advance for any advice.

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Hello Team,

I thought i would just post this on here for people to see about the Vanquis Credit Card. I found a leaflet in a Cafe yesterday and was shocked to see how much their basic Credut Card interest is. Their website says 39.9% APR . .. The leaflet said 49.9% APR with a £2000 credit limit. This sort of thing should be stopped right now. Here is a snippet from their website about being responsible:

Vanquis Bank is a responsible lender and we provide our customers with support, education and help in controlling their spending. We do this by being transparent about our products and pricing, and providing high levels of customer service. Vanquis Bank is part of Provident Financial plc, a leading international company providing financial products to thousands of people across the world.

Vanquis Visa card is issued by Vanquis Bank Limited whose registered office is at Colonnade, Sunbridge Road, Bradford BD1 2LQ. Registered Number 2558509 England.

I love the bit about Educating customers and help in controlling their spending.

A Responsible Lender. If anyone has one of these cards please let me know how you sleep at night, because this to me, is extortion and they should be pulled up about it. Grrrrrrrrrr Grinds teeth in disgust . .

 

Go get em ..... ukaviator...

thank you for this info it stopped me making a big mistake.x thedobla05 Edited by thedobla05
forgot to put in my user name
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As indicated some way back in this thread, Vanquis Credit Card and "Valuesaver" seem incapable of complying with the Consumer Protection Regulations - which allow a continuous card payment authority to be cancelled by notifying the bank (card issuer).

 

They rely on repeating the initial £6.95pm debit, even when cancelled, and charge interest and other fees on this - unless one pays it all off in full, every month. They have charged me for ten months even though cancelled by phone and letter, in the second month!

 

After many months of chasing them in writing without any success, I have now reported Vanquis Bankc/o Provident Financial Group (at the Registered Office) via the (Police) Action Fraud website, and also initiated a claim in Northampton County Court for return of what they charged plus an element of compensation for distress and costs.

 

What effect this has we will see...!

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Good luck Arthur...please keep us posted on the outcome.

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

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Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Thanks for copy. The problem is that Vanquis Bank is blatantly ignoring these new rules. Since I submitted a Fraud report to the Police and initiated a County Court claim, Vanquis Bank has started harassment by phone, several times a day even though I have refused to speak to them and insisted on all communications being in writing. I am logging these calls where I am aware of them, and will pass details to the Court in due course.

 

--

Arthur

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Vanquis also are trying a new ploy to get people to respond to telephone calls i..e., you 1471 a number containing your local area code comes up but the next part a case reported to me started with 4 stc, who calls state it is Vanquis Bank, so Peeps be aware of the ploy to make you think local person calling you.

:mad2::-x:jaw::sad:
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  • 2 weeks later...

Ok guys-yes, the interest rate is terrible, however I have really bad credit history, but due to a new job I had to get my hands on a credit card to pay for fuel. I claim this fuel back monthly, so basically I clear my balance immediately and pay zero interest! Therefor it is perfect for me with my credit history, ie low credit limit, so not likely to rack up major debts (again) and having learned the hard way I only use it for business fuel and pay off in full before interest is

added. Yes it's baaaaad if you are accruing interest, buts it's good if you are rebuilding credit-use it as a tool to help and it ain't that bad folks

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  • 2 weeks later...

Update on legal action against Vanquis Card...

 

Since submitting a County Court claim for return of unauthorized debits (to Valuesaver), plus interest and associated costs, Vanquis has (only just in time!) made a full credit of 11 times £6.95, i.e. all the unauthorized debits - but refunded nothing of the interest and associated costs they debited over the past 11 months. I will pursue these items, along with compensation for their harassment (over 30 phone calls since I began the legal action). Can anybody please advise how much is reasonable to claim for harassment of this sort?

 

I will be reducing my claim by the amount refunded, and will advise further when the Court case ends.

 

I have also now advised Action Fraud that they have made a partial refund.

 

--

Arthur

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Are you aware of Link vs Harrison case ? you may find this very useful indeed....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Thank you. As it happens, I too have a problem with Link (unenforceable at present), relating to an invalid assigment, but this information, particularly para 83 of the Judgment is very interesting.

 

--

Arthur

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  • 3 weeks later...

Hi, just came across this thread and wonder if someone can help me. I've had previous trouble with credit management in the past (credit cards etc), but also managed other debts well (personal loan etc). I was looking to apply for a card for bad history, and wondered if anyone can say whether I have a good chance of being approved for a Vanquis card based on my criteria below? Thanks in advance.

  • Based on experian, I have had a credit score of 913 (Good) for the past 4 months.
  • I have 3 CCJs on my record. The first was ordered on 20/06/2010, and was satisfied on 15/02/2012. The second was ordered on 10/02/2011 and was satisfied on 18/04/2011. The third was ordered on 19/09/2011 and was satisfied on 21/02/2012. All are cleared and marked as satisfied on my records.
  • For the electoral roll, I confirmed to the council I was living at a new address in June 2012. This will be reflected on Experian on 16th October 2012, when the council run their Register updates for everyone.
  • I have 1 credit card status marked as default on my report, but the balance is satisfied - last updated with zero balance and closed on 04/12/2011.
  • My HSBC bank account has excellent scoring, with frequent income going in (my salary is 5k NET pcm). I have no overdraft facility.
  • I have no recent credit searches on my record. My last search for credit was around 4-5 years ago.
  • I was a homeowner and sold my property 4 months ago. I had been paying my mortgage on time for the past 12 months before selling.
  • Number of missed or late payments in the last year is 1.
  • Number of accounts overdue is 0.
  • Amount of outstanding debt is £0 - I have no mortgage, credit cards, personal loans etc.
  • I have savings (bank saving account & ISA) of 6k - though I understand credit applications do not look at this?

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All you can do is ask, 1 application wont really affect your current credit score and TBH when i applied for a Vanquis card my history was a lot worse than yours, IMO you would have a good chance of obtaining a card, however it may be worth trying your bank 1st

If I have been of any help, please click on my star and let me know, thank you.

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Hi - thanks for your reply. I was thinking my bank to try first, and have spoken to them already about a credit card through them. They can see by my current account that it's spotless and I am more than eligible to put an application through for their credit card, but I'm wary the application will also speak to the global credit report (experian) and will see my CCJs and 1 missed payment in the last 12 months.

 

And I'm guessing HSBC credit cards are one of the harder cards to obtain?

Edited by agger05
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All I can say is HSBC gave my OH a credit card and a loan although he hadnt been a discharged bankrupt for 6 years so that would still show along with a few other things, they also gave me a credit card recently but they wont give my OH an overdraft for 5 days on our account although our credit rating with them is excellent, there is between 3.5 and 4k going into the account every month etcb etc so I can only assume that their credit cards are easier to get than an overdraft, give it a go and if you can go into a branch and deal with them face to face as it seems to have made a difference in our case as what we were told on the phone was not how it worked out when we went in.

If I have been of any help, please click on my star and let me know, thank you.

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  • 4 weeks later...

Hi all

 

i am new to this site, be gentle with me

 

i have just this minute came off the phone with vanquis card ppl saying i have been accepted. i applied for an argos card, obviously i got declined and they have transferred it to vanquis.

 

the only reason i have applied is cause i am currently unemployed due to my wife going through cancer treatment, have been unemployed for nearly a year now and xmas coming up i needed help. i also have account with provident, as does my wife. now i know that if i borrow say £1,000 then i ed up paying provident back nearly double what i borrowed over the course of a year

 

if i buy something on my vanquis card say £100 and pay over the course of a year does that mean i end up paying them back £100 + 39% interest??? =£140

 

or do credit cards not work this way?

someone also mentioned that they get charged £25 for something from vanquis too? whats that for?

 

any help would be a great help

 

thanks

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  • 1 month later...

Hi Everyone,

 

I'm new to the forum, hell I even registered to post what I have to say about Vanquis bank and there related services.

 

Firstly, I'd like to think my *credit* (You'll see why I place that in stars in a minute) is good - a few phone contracts, all paid up front when I was 18-19 or so never overdrawn in my bank (although I have moved banks a few times) but I stupidly moved house and forgot about a water bill, landing me a CCJ for a relatively small £500 of which I was unable to clear from my file as I wasn't even aware of it until 9-10 months after it had been issued.

 

So, I'm (at the time) 21 and have a CCJ.. no where is interested in me, I was applying for credit cards/loans (I wanted a nicer car) around 1-2 a week sometimes 3-4 times a day (no one had told me multiple searches make it look bad) and was getting declined left right and centre for absolutley everything including Granite card, Barclay Card Initial, Captial One the whole shebang - now, I'm in a very good position.. I'm 21-22 and earn around £50k pa so I always thought that credit would come to me like tap water but struggled to find anything, along came Vanquis (from my own googling) and offered me a credit card with a £250 limit and either 39.9% APR or 49.9% APR (my memory is bad) and I can honestly say they've been nothing but great towards me, regular increases (up to £1250 now, first £500) and I've either cleared the balance or made 80-90% balance payments so £300-450 at a time.

 

It is REALLY good for what it is, but I'm quite scared by what people say on here with PPI and all that.. my OH is pretty clued up with that stuff so from the outset I declined any cash advances and any kind of PPI so never had a problem. They are NOT loan sharks, the % is NOT there to control your spending it's there to protect there investment on someone they consider to be risky.

 

But all being said, I am very greatful for what they have offered me as no one else wanted my money so they get the pleasure of my business + some interest a couple times when I don't always clear the balance off in full.

 

I've always ALWAYS paid by bank transfer as I prefer to pay my bills this way, For people concerned about payment processing dates and how long it takes to clear it's around 3 working days in your account.. but it comes TIMESTAMPED as a payment on the date that you sent it (so you send on the 3rd, it then SHOWS on the 6th saying you paid on the 3rd) but I could see someone who leaves it a bit close to the line could get caught out. I pay all my bills manually each month (hate the control other companies have over DD's as I don't know how much they will request most of the time) and this suits me well, I've not missed a payment yet.

 

Ideally, I'm looking to move away from them and just got accepted for a Capital One card which is (although not much better) 34.9% APR that I plan to use for fuel and or move to if and when the limit increases on it as this only has a £500 limit on it.

 

They have there place in the market, purely a stepping stone - I pay around £40 a month in interest on a £1,000 balance which I don't think is that bad, and I will be making a £700 payment this month to bring that down.

 

How many people have had this "Gold Card" thing with Vanquis? sounds like a thing they don't do any more, that really scares me as I'm looking at buying a Macbook and wanted to pay it monthly (Barclays once again, not interested in my business) so I'll avoid if there gonna smack me with something like 70% APR.

 

I've heard about the old Provident loans, an old friend of mine had one and I saw the interest rate she was paying so I steered well clear of them although they pale in comparison to Wonga or others.

 

Just my two pence.

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  • 5 weeks later...
sorry to say this, but by the sound if it you are an employee of vanquis, like me there are hundreds/thousands of people who have a vanquis card and have subscribed to the vanquis nightmare.

interest rate hikes, charges on top of charges but not to mention their so called repayment option plan which is not worth the paper its written on.

 

No offence to anyone but if you know the card has a APR of 39.9% why would you make any massive purchases on it??

 

If you have bad credit that is why you have this card so why would you not try and be a bit more sensible with it and only spend £50 or so a month and pay it straight off until you can get a better card that will allow you to make the bigger purchases with less interest??!

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  • 2 weeks later...

Update on my dispute with Vanquis Bank (Credit cards):

 

They had refunded the improperly debited Valuesaver payments at the point when they put in a defence. The defence was spurious as they were claiming that interest and other charges were valid, when they had arisen solely because Vanquis had "lost" my direct debit and failed to collect. The Court was going to use mediation, but tried calling me using an anonymous phone number, which resulted in a blocked call!

 

Eventually, with less than a week to the hearing, Vanquis has made an offer (without admission) which will refund all the interest and other charges in full, and covers all my direct costs, and leaves a bit of compensation, so I have told the Court to stay the action.

 

As I understand there are other people putting together an action for harassment, I have dropped that aspect of the MoneyClaimOnline case.

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  • 3 weeks later...

I can now confirm settlement of this claim in my favour. Vanquis did not pursue the defence of their charges and interest, and instead refunded them in full to the card, as had already happened to the unauthorized Valuesaver debits. They have also made a further payment in lieu of costs and interest, which I consider adequate compensation.

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  • 1 month later...

Hi everyone. I am another newbie to this great forum.

Can anyone tell me how long it takes for a vanquis credit card to improve credit score.

my score (just checked on expirian) is 574 and deemed as poor,which is not bad as last month it was 550 and very poor. Any info will be greatly appreciated.

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The card wont actually improve your score, but paying on time and not applying for other cards will and always pay more than the minimum balance

If I have been of any help, please click on my star and let me know, thank you.

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