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hi..hve had a vanquis credit card for a year..with 250 credit limit on it...never used...but now my account stands at 450.00...latest statement had a repayment option plan payment on..which i no nothing of this...i spoke to them a month ago when the account was at 320.00 to say i had my hours cut at work..and cannot afford much...they said they would freeze the account for 3 months..if i could pay 60.00...i could not and told them i could only afford 20.00...which they would not accept..all the balance is from late payment charges...repayment fees...ppi..which i did not want...im getting 10 phone calls a day..text messages...on my mobile and home phone...i dont know what to do..now im receiving letters from impact as well....any help...thankyou

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Hi julie

 

Welcome to CAG

 

Don't speak to them over the phone. Have a read of 1,2,3,7 and 8 in my signature.

 

Thread moved to correct forum.

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Send them the "Stop Phoning Me" letter and the phone calls will stop.

 

As for the ROP, ask them to send you out the application form and tick which ever box applies.

 

If this doesnt work then just offer them what ever you can realistically afford. We used to pay £2.00 per month, until we stopped a while ago.

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  • 10 months later...

hi..2 years ago i took out a vanquis card..was given just a 100.00 limit...paid this off each month..no problem...i got ill..and contacted them to say i could only manage 10.00 a month ..due to high interest...my account was not getting cleared...through this..i occurred a lot of charges..this went to first credit..where i agreed to pay them a minimum payment....xx up to last year the card balance is now 540.00..all are practically charges..late payment fees et...i sent off letter asking for charges refund..using your template letter....got standard letter back 3 weeks ago..saying we are looking into your claim..and have up to 50 days to respond...im not sure of time scales..and want this card out of my life...xxx any advice what to do...thanks..

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Hi Julie

 

You set the time lines, not them. Did you give them a certain amount of days in the letter you sent them? Have you calculated the charges correctly?

 

If you have done both, once the limit is up, Issue Court papers without fail, this stops them messing about :)

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yes the whole amount was 548.00 in charges..plus i added the normal 8%...hope thats right....xxx should i send a lba letter now...i sent out the standard refund of charges letter first...and then received the response of we have 56 days to investigate...blah blah...

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They are citing the FSA 8 weeks timeframe.

You have 2 options open here;

 

1.You can take your complaint to the FOS,which is likely to take some time for them to sort out

 

or

 

2.File a small claims action against Vanquis themselves,for a refund of charges with interest and costs as has been mentioned.

 

 

You do not need to wait for the 8 weeks f you want to go ahead with a CC claim.

Since you have already sent a prelim letter asking for the charges back,you now need only to send a letter before action

Include with this a copy of the schedule of charges .

Have a happy and prosperous 2013 by avoiiding Payday loans. 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.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 3 weeks later...

just to let you know..vanquis kindly accepted the charges were unlawful and agreed to repay me back the full amount i asked for...i signed the acceptance letter and sent it back...last week..so now hoping for a nice cheque for 550,00....thankyou all on here for your help...i cant believe how easy it was....no one ever use a company to do this...you can do it yourself.....THANKYOU ALL ..great site...

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  • 2 weeks later...

well i didnt get my cheque..capital one sold the debt to c.a.r.s. dca...and paid them direct...i thought once the debt was sold all refunds came to me...i rang them and told them this..and was told as money was still owed..it went off the card...confused...

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