Vanquis Telling xxxxxxxxx

[lovejoy]

Quick question caggers, is it possible to add a small claim for costs incurred on the N1 POC Form.

I know it shows it on the form but wondered if it was wise to do so.

I wish to add for time taken to deal with this court claim, I am self employed and time taken away from my business is money.

I thought something in the region of 4 hours at a sensible rate would be appropriate.

Any advice on this is much appreciated.

 

Do I also need to list which documents have not been supplied on the claim form?

[marneh]

I have a credit card from vanquis bank- granite.

 

I have paid just slighltly more than the minimum required for the last 2 months. Quess what- when they add interest it takes me over my credit limit. I was expecting an increase in my limit. This is not going to happen. I feel as though I have been misled.

[letsgetitsorted]

hi Lovejoy

before you file a claim you will need to send the a Letter Before Action,giving them max of 14 days to comply with the DSAR, just to remind them what their legal obligation is.

not sure about the costs issue though.

[lovejoy]

hi Lovejoy

before you file a claim you will need to send the a Letter Before Action,giving them max of 14 days to comply with the DSAR, just to remind them what their legal obligation is.

not sure about the costs issue though.

 

Done that and the 14 days expired on the 10th of November.

On the court form do I need to request specific documents or not?

Is the form I use the N1?

[letsgetitsorted]

if they havent complied with the DSAR i would ask for all information that they hold statements account summery communication log, not forgetting a copy of all and any telephone calls that have taken place

afterall thats what the DSAR is all about ask for it all.

 

in am still waiting for a few pieces of info on mine from them.

[lovejoy]

I have today filed the N1 form requesting compliance and costs.

I will update the thread as and when anything happens.

[lovejoy]

Quick update, court papers issued, deadline near for them and failure to respond will result in CCJ and I will not hesitate to send in the baillifs.

This is just the first stage of a four stage process which I hope will culminate in the removal of unwarranted default and significant damages and costs.

[lovejoy]

UPDATE:

 

After filing the court papers in November and well outside the timescale allowed for complience a large envelope arrived with all transactions and a CD with telephone calls on.

 

They have now put up a defence to the court claim saying they have complied fully.

I received an allocation questionnaire (small claims track) requesting my response and I am not sure how to proceed.

Even though they have complied, albeit reluctantly and outside the times allowed, they have sent everything I need.

Is it best to go back to the court with a letter explaining this and not pursue it or because it was outside the times allowed keep going?

My gut feeling is to let it go for now but reply to the court stating that I do not wish to waste their time in this matter but point out that Vanquis didn't reply until I threatened with a LBA.

 

What are the thoughts of you caggers out there?

[lovejoy]

Just an addition to the previous post, the costs requested by me to the court comes to £135.00 including the court fee. As I have already paid these sums out should I try to get these back through the court even though Vanquis have now complied with the SAR.

Or should I seek legal advice at the risk of further cost?

 

Any help would be appreciated.

[lovejoy]

Latest Update.

 

Well I decided to carry on with the court claim and now have a date for April although mediation is a possiblity beforehand.

[lovejoy]

Latest Update.

 

I have today started a claim for PPI although not in the conventional manner because it is my belief that I have been misled and therefore treated unfairly under the COBS and as a consequence Vanquis have an unfair relationship under the CCA act 1974.

 

Is there anyone on here that could take a look through a letter I have drafted and offer some advice before I send it off?

[Gbarbm]

Lovejoy,

I note you refer to PPI; do you mean the repayment option plan (ROP)

ROP is not PPI but it can still be mis sold.

Here are some interesting facts for you...

In Nov 2011, the FSA (which Vanquis is authorised and regulated by) issued a warning to firms about the selling of PPI like products, stating that it would take the mis selling of products very seriously.

Vanquis bank makes a large proportion (approx 25 to 30%) of it's profits through selling ROP, which is a good example of the second form of new PPI style product.

[lovejoy]

Lovejoy,

I note you refer to PPI; do you mean the repayment option plan (ROP)

ROP is not PPI but it can still be mis sold.

Here are some interesting facts for you...

In Nov 2011, the FSA (which Vanquis is authorised and regulated by) issued a warning to firms about the selling of PPI like products, stating that it would take the mis selling of products very seriously.

Vanquis bank makes a large proportion (approx 25 to 30%) of it's profits through selling ROP, which is a good example of the second form of new PPI style product.

 

Yes it is the ROP, I just used the term PPI here so as not to confuse matters.

[Gbarbm]

No probs, just checking!

[lovejoy]

Having sent a LBA and giving 14 days I have not received a response.

Is there anyone who can help me with the N1 POC on this for COBS and PPI mis-selling?

[matman85315]

Hi I would like some help with what to do next with a letter that I got from Vanquis Bank. I sent a letter to them to re-claim mis-sold PPI & got back this letter in reply.

I refer to recent communication regarding the possible mis-sale of PPI or Repayment Opition Plan.

We do not offer PPI against any of our credit card products. We do however offer Repayment Opition Plan.

I can confirm that the ROP was discussed following approval of your account. The script used by our Rep clearly describes the features, benefits & cost of the plan. It would have been on that call that you agreed to having the product added to your account. The info was included in the T&C's which came with the card &the charge for the plan has also been itemised on each monthly statement that you recived since.

If you do not agree with any item on your statment, you must notify us of the reason for tour dispute without delay.

Therefore, the charges which have been applied to your monthly statments since the ROP was accepted by you have been correctly applied & as such I am unable to meet your request for reimbursement.

The letter then goes on to say that if I require any clarification I can call them or write to them. It also says that if I remaim dissatisfied I am entitled to contact the FOS.

The is signed by a Antony Wilsenham Customer Relations Manager.

Sorry that this is a long post on here. Shaun.

[Old Cogger]

Meantime ring them and cancel the R O P, it is another cash cow.

[matman85315]

Thanks for your reply. I won't have to do that as I no longer have the card.

just not sure what to do next

[ims21]

Hi

 

Ok so this is ROP not PPI

 

Don't know if you've read about the plan...if you do want to its here

 

https://www.vanquisapplication.co.uk/plan.php

 

If you didn't want this plan or ask for it or agree to it then there is no reason for it to be on the account. You can either challenge vanquis on their findings or you can pass the whole thing over to fos to deal with.

 

ims

[lovejoy]

Hi

 

Ok so this is ROP not PPI

 

Don't know if you've read about the plan...if you do want to its here

 

https://www.vanquisapplication.co.uk/plan.php

 

If you didn't want this plan or ask for it or agree to it then there is no reason for it to be on the account. You can either challenge vanquis on their findings or you can pass the whole thing over to fos to deal with.

 

ims

 

 

Yes ims but isn't ROP just PPI by another name?

There is another option other than the FOS, COURT!!!

[ims21]

Yes ims but isn't ROP just PPI by another name?

There is another option other than the FOS, COURT!!!

 

It isn't exactly PPI but it can still be mis-sold and the procedure for reclaiming is the same as for PPI.

 

Court is an option but it should be borne in mind that the burden of proof of mis-selling (civil action so the balance of probability) will be on the claimant.

 

If you go to court and lose you cannot then go to court. If you go to fos and lose then court is still an option.

 

If it were me I'd make a pest of myself with Vanquis first.