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Received SAR From Vanquis....Now What?


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Hello all.

 

I sent in a SAR request to Vanquis earlier this month and this morning it arrived in the post.

 

The trouble is, I'm not really sure what action I need to take next so any help would be great.

 

Looking at the SAR, apparently I had PPI on the account from 10/2006 - 2009 (total payments= £76.70)

 

Also, there are 13 x £12 Late Payment Charges (total = £156) and 31 x £12 Over Limit Charges (total = £372).

 

Can someone please guide me as to where I need to go next?

 

Thank you

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Ok.. so did you want or ask for the PPI ? Would it have been of any benefit to you ?

 

If not, then I guess you need to start the process for reclaiming it back. With interest the figure you have quoted will be quite a bit more.

 

Charges can be reclaimed as well but that will be a different spread sheet.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

You will find all the spread sheets and information in the link above.

 

Just shout if you need any further help.

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks for the reply Citizenb.

 

I'm really not very good at these things so I apologise if I'm being a little dumb here but, am I right in thinking I now need to send Vanquis the letter asking / telling them to repay the charges?

 

I'm having a bit of difficulty accessing the interest calculator spreadsheet as it seems my Microsoft office has expired for some reason so is there another way of working it out (as some charges are from 2006 and some as recent as Feb 2012)

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I will flag your thread for the spreadsheet guru to look in on you :)

 

In respect of the PPI you need to download and complete the FOS complaint form from their website. Complete it, and attach it to your claim for refund... keep copies of everything.

Then just attach a covering letter saying I would like you to refund the PPI please.

 

Charges - simply attach a letter saying you believe their charges are unfair and would like them returned.. thank you :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks guys :)

 

Just downloaded Open Office (it's great, never heard of it before) and got the spread sheet calculator working fine.

 

Double checking everything I actually had 32 x £12 Over Limit charges and 12 x £12 Late Payment charges. The total comes to £552 with interest added it's £669.58.

 

I've filled in the PPI form and typed up a letter stating that I feel the charges they have imposed are not reflective of their actual costs and as such unfair and want to be refunded for the amount stated above.

 

Is that it? Do I just pop it in the post now?

 

Thanks for all the help everyone

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Hi

 

Your PPI claim is a separate issue from the charges claim. Start a thread in the PPI forum for the ppi claim.

 

In respect of the charges, what interest rate have you used?

 

See No.4 in my signature.

 

For the charges reclaim there is a very good preliminary letter at post #31 here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**/page2

 

I'd also have a read of that thread as there is some very useful information in there

 

ims

 

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  • 2 weeks later...

Well, I have a response of sorts from Vanquis today:

 

Dear xxxxx

 

Credit Card

 

I refer to your communication regaring the above.

 

The details of your enquiry have been registered for investigation. We will try to resolve your enquiry as quickly as possible and keep you informed of our progress. However, please note that we have upto 56 days to resove a complaint under FSA guidelines.

 

Etc, etc, etc

 

So, what now? Is it just a matter of waiting upto 56 days for them to come to a conclusion?

 

Thanks.

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So you sent them a preliminary letter requiring refund of charges. Next thing is to send a "Letter Before Action" whereby you tell them that if they don't refund you the amount you have claimed in your spreadsheet you will issue in court.

 

Charges template letters are here...I assume you used the letter from here to start with? lba is basically the same just with the heading of "Letter Before Action" and a paragraph at the bottom saying that if they don't pay within x days you will issue without further recourse to them.

 

Enclose an updated spreadsheet too.

 

Remember, only threaten court of you are prepared to go through with it.

 

ims

 

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Thanks ims21.

 

From what I read, I did believe the correct course of action was to send them the Letter Before Action but wasn't totally sure so thank you. Yes, I used the template letter from this site so will add the relevant bits to make it a lba and get that sent off today.

 

Thank you for your help as I do feel a little out of my depth here but am more then prepared to take this to court if necessary.

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Ok

 

I would recommend reading around the bank forums for charges reclaims...there is an awful lot of information there. The success stories too are a great source of information as they will tell you what to expect should court be necessary

 

ims

 

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  • 4 weeks later...

Hiya ims21.

 

Strangely, it was a couple of hundred pound more then I asked for - perhaps they were feeling generous.

 

Some of the conditions of acceptance though is although no further late payment / over limit charges, etc will ever be added to the account in the future, they want to charge a £25 annual fee and increase the annual cash interest rate to 59.0% and purchases to 54.9%.

 

I'm happy with those terms as I will be paying off the balance on the card anyway.

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Hiya ims21.

 

Strangely, it was a couple of hundred pound more then I asked for - perhaps they were feeling generous.

 

Some of the conditions of acceptance though is although no further late payment / over limit charges, etc will ever be added to the account in the future, they want to charge a £25 annual fee and increase the annual cash interest rate to 59.0% and purchases to 54.9%.

 

I'm happy with those terms as I will be paying off the balance on the card anyway.

 

Sheesh.. nearly 60% interest rates... yes, I would be looking at paying this card off at the earliest possible time.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...
Hi

 

You need to be using at least the rate they were charging you on the card

 

ims

 

Hi ims sorry for butting in ....can you tell me what the rate is ..is it the yearly purchase rate or the monthly one ? thanks

 

rs

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Hi ims sorry for butting in ....can you tell me what the rate is ..is it the yearly purchase rate or the monthly one ? thanks

 

rs

 

Hi

 

Its the APR for the year on purchases (at least)

 

If this is a charges claim also read No.4 in my signature.

 

ims

 

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