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2009dg

Vanquis & 1st Credit

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I am still getting statements from Vanquis and I was repaying £20 a month. On my last statement it mentioned that my account was being dealt with by 1st Credit Ltd. I then got a letter from them offering my a settlement offer which I accepted and paid.

 

I have just received a statement from Vanquis stating I paid an amount last month (the settlement amount to 1st credit) but I still have a balance. There isn't anything on the statement mentioning 1st credit.

 

Do I still owe this money?


[SIZE=1]PAYDAY LOANS: only QQ left, haven't paid for 2 months, lets wait & see what happens. [/SIZE]

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What did the settlement offer actually say,the wording is so important?

 

Regards Fs

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I am still getting statements from Vanquis and I was repaying £20 a month. On my last statement it mentioned that my account was being dealt with by 1st Credit Ltd. I then got a letter from them offering my a settlement offer which I accepted and paid.

 

I have just received a statement from Vanquis stating I paid an amount last month (the settlement amount to 1st credit) but I still have a balance. There isn't anything on the statement mentioning 1st credit.

 

.............................

 

Ah did you make it clear that you accepted the offer to pay a reduced amount as a Full & Final Settlement and that any remaining balance would not remain open to further collection?

 

I would write to the compliance manager at Vanquis make a formal complaint that their ''agent'' 1ST Accepted a settlement figure and you consider the matter closed,

send copies of !ST Cruds offer as well. (recorded delivery) for this


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opps you got spoofed by 1st credit..typical tactic!!

 

if they offered a discount

 

then there is a reason WHY.

 

could be PENALTY charges [£12 fees for late/over etc]

 

could be PPI too.

 

you need to SAR vanquis

and get reclaiming.

 

should kill the balance and more.

 

 

dx


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What did the settlement offer actually say,the wording is so important?

 

Regards Fs

 

1st credit letter

 

We offer you a discount of of 50% provided you pay £63.39 by 31-Oct.

 

This payment would be in full and final settlement of the money you owe. If you do not pay £63.39 by 31-Oct this offer is withdraw.

 

dx100uk I don't understand what you mean by being 'spoofed'.

 

I will get the letter & documentation sent off on Monday.


[SIZE=1]PAYDAY LOANS: only QQ left, haven't paid for 2 months, lets wait & see what happens. [/SIZE]

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dx100uk I don't understand what you mean by being 'spoofed'.

 

This means that you may have been misinformed into paying something that you may not have needed to pay. As has been said, discounts are known to be offered where there is a potential problem on the account such as unlawful charges and/or mis-sold PPI.

 

As dx says, if you haven't got all of your statements for the account then SAR Vanquis to get as much data as you can and look at reclaiming any unlawful charges and PPI that may be on there.


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My last late payment charge was October 2011. My actual statement says my account has been passed to 1st credit. The only transactions on my account this year have been credit payments, no interest etc added.

 

So basically I still owe the rest of the balance to Vanquis.

 

I don't have PPI

Edited by 2009dg

[SIZE=1]PAYDAY LOANS: only QQ left, haven't paid for 2 months, lets wait & see what happens. [/SIZE]

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OK your last late payment charge was Oct 2011. What about prior to that?

 

Again, have you got all of your statements for the account?

 

If not then SAR Vanquis.

 

You may not owe as much as they say you do.


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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get that sar off and back before you do anything more

 

something smells here.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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