fettes5 v Vanquis

[fettes5]

I am right p....d off with Vanquis aka Granite et al. for no other reason than the amount of charges they have heaped upon me since i started with them 2.5 mth ago.

 

My credit rating is pretty poor cause the DWP stopped my disability benefit for over 4 mths without due cause and as a result i couldn't pay my bills. My mortgage company went ballistic but were actually very good in the end,they even refunded me 90% of the overdue charges i had incurred. However,a lot of my creditors were not so forgiving and i went deeply into the red. Thus a bad credit file.

 

Anyhow,to keep a long story short i got my monies sorted out with the DWP but was refused a credit card by a number of companies,that is until i tried Granite AKA Vanquis AKA god knows how many other names. I got a small credit limit which i immediately used up and set a standing order via my bank to pay them off at £25 per week. To my horror it appears that i owe them about £225 more than my original credit limit was!

 

I was one day late in making a payment and i incurred about £35 in instant charges but when i phoned to complain they merely said that "You should have known what the charges were when you joined and NO you cannot have them removed" Well,that was the last straw,my card has been torn up and i have sent it to them by recorded delivery.

 

I will pay of my account at £38 per week until it's cleared off and that will be the end of it. The only good thing that will come of it is that they will have to show the credit reference agencies that i am a good payer thus allowing me to get a better card with a lot less interest in future.

 

 

Now,some people have been looking for email addresses for them. Well,i'm sorry i haven't found any but what i have found are some direct-line telephone numbers for their executive staff. People who have the power to get things done for us. I will give out Two numbers just now,more upon request only as i am still using some of the senior directors numbers myself. Anyhow,they are;

 

1/.James(Alex)Appleby,Collections team manager. 01634816768

2/.Evelyn Campbell,Floor manager,vanquis bank(Handles rpt abuse etc.). 01634816608

3/.Vanquis main number/call. Press 1 to be transferred to an operator & call back svce.

02080450076

4/.Freephone number for vanquis. 08000192516

 

I have deliberately held onto the directors direct-line numbers until i myself have dealt with him then i shall gladly share it with those who request it. I would also love some feedback from anyone who i have helped by being able to provide these telephone numbers. Just remember,don't let the b......s grind you down.

 

Good luck,

 

Derek

Edinburgh

Edited April 13, 2012 by citizenB
formatted for easier reading