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Vanquis and their £12 charges?


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Hiya guys.

 

I've held a Vanquis card for several years now (5+) and reading this forum I've seen some charges applied by lenders aren't always legit.

 

As such, I was just wondering if any of the 'overlimit' charges (especially when the interest put me over as I couldn't actually spend more then upto the limit) £12 or the 'late payment' fees of £12 fell into that category?

 

I don't mind paying what I owe but I don't want to pay something that I don't.

 

Thanks for any help.

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hi im in the same boat...never used the card..only 250 limit...over a year gone up to 454...im refusing to pay..as ive not purchased nothing on card..and yet have purchase interest of 12.00...suddenly a 5.40 repayment option appearing on latest statement in which i did not agree to...ive asked for a copy of my contract with signature accepting these terms....good luck with them...xxxx sorry cant be any help..but know what you mean..

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Okay thanks.

 

If that's the case, how do I start to go about it?

 

(I think my situation is slightly different to yours Julie as I am currently under my credit limit and have always paid the charges without questions for many years)

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Okay thanks.

 

If that's the case, how do I start to go about it?

 

(I think my situation is slightly different to yours Julie as I am currently under my credit limit and have always paid the charges without questions for many years)

 

Hi

 

Have a read of 3 and 4 in my signature.

 

Also do some reading around the bank forums on chareges reclaims and it will give the process to follow.

 

ims

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Oh....its not showing....hang on and I'll post the direct links

 

Bear with

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Share on other sites

3. Reclaim Loan & Credit Card Charges Read Here

 

4. The CAG Interest Tutorial Read Here

 

Click the blue "Read Here"

 

ims

Edited by ims21

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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