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    • The card number at the top right of the Advanced Application Form and Agreement does not reflect the same card number the number is 546780 and ends 5931 (however that card was taken out in 2005) the card number on the POC - there isn't one it is just the reference number that they use or they call the 'original account number'.   As for the statement (excel spreadsheet type) that has the same reference number but not credit card number.  However this is different to the spreadsheet paperwork they have sent previously to me. Which looks like it comes from Lloyds and shows the debt being written off by them. I've attached that here.   I wrote to Lowell asking for the deed of assignment and they haven't furnished us with it either. They did state that they don't have it as it is too old or something in the offer letter.      new doc 2021-02-25 08.15.42.pdf
    • Hello All   Update   As per post #83, I had mentioned that for some unusual  reason, there had been two deadlines from the court for responding, namely the 18th of January 2021 and 1st of Feb 2021.   With everyones great help I filed in the response by the18th of Jan 2021. I think I was bit concerned that the claimant, Mike Ashley may use the second deadline as a chance to add a supplementary statement in response to my defence.    Well, Mike Ashely has in fact does exactly this. He has responded and filed a supplementary witness statement and has responded to all the defence points. He has addressed most the issues I had raised in my defence.     His Supplementary WS is dated 30 January 2021 and his solicitors emailed it to me on the 17th of February 2021.   Not sure what to do, but he seems to have amended everything which i could have used as a loophole leaving me with the thought of , should we have waited till the 2nd deadline ie 1ist Feb2021 and submitted the defence rather than the 18th January 2021. this would have deprived him of the chance to response with a supplementary WS. Thats what really had a worried me and I raised it a few times on this platform.     Not sure now because he has kind of amended a few things, removed the incorrect exhibit ( where the signages had belonged to a different site, and called it a clerical error).   Will post his redacted supplementary WS later as at work now.   Thanks all
    • An eye-opening new report from the payment processor Worldpay found so-called 'mobile wallet' payments were used for just under a third of all online transactions in 2020. View the full article
    • Adding to all the other difficulties (address for service, proving an agreement, obtaining enforcement even if you succeeded) that have been raised: Has the obligation to repay yet arisen?   You say the agreement was repayment once the divorce settlement occurred, but then point out settlement has yet to occur!.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Have you been Turned down for a Credit Card from another issuer after getting a Vanquis card ?


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It has come to our notice that Vanquis or its referral agents are making statements to the effect that having a Vanquis card can build your credit score/improve credit lending possibilities.

 

It is well established that Vanquis (Provident group) are lenders to borrowers who have had poor credit histories or have been turned down from the mainstream card issuers.

 

We think that this is miss leading.

 

If you currently have (or have had) a Vanquis card and gone on to apply for a Credit Card from another established card issuer,please post below including;

 

1.When you took out your Vanquis card/the original limit and any credit increases ?

 

2.When you applied to another issuer and which one ?

 

3.Whether you were accepted or rejected ?

 

4.Whether you had maintained repayments on your Vanquis card as due,and had managed the card responsibly ?

 

5.Any other info you think may be relevant to post in response to the thread title ?

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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  • 2 weeks later...

Had a vanquis card for approx 6 years, original limit 250 but increased to 3k within 18months, applied to HSBC last year, accepted, credit limit 5k. Always paid more than minimum to vanquis, no problems at all, applied originally as had a bad credit history due to a failed business,Vanquis are as good or bad as any other card, interest may be high but if you pay it off it makes no difference.

If I have been of any help, please click on my star and let me know, thank you.

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Thanks thats interesting.

I can well imagine that if you get up to 3k credit limit then there has to have been good management,so can see it would be a good marker for a mainstream CC issuer.

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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I think that 3k is the highest they lend as I seem to remember reading it somewhere, also got to say my card was stolen and the thieves managed to get 200 cash out but Vanquis credited the money back to me within a short period of time and i didnt pay any penalty charges so i can only say they have been a good company for me.

If I have been of any help, please click on my star and let me know, thank you.

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Companies that lend to risky borrowers always charge higher interest rates, its like cheque cashing shops, pay them 100.00 but only get 88.00 to spend, but if you pay back more than the minimum repayment on the cc it dosnt cost so much and Vanquis as with all cards do have different rates, all a bit higher than average though.

If I have been of any help, please click on my star and let me know, thank you.

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  • 3 weeks later...

:-xHi I have a vanquis credit card. credit limit £500. I have had this card for over 2 years now. Promises of increased credit after 4 months are not true. I have never had an increase. I always pay more than the minimum amount each month. However have found that interest added takes me over my credit limit so i'm charged for this. Just had a letter saying they are increasing my interest rate to 41.2% for purchases. expensive card, failed promises and charges for going over credit limit on interest charges not purchases are painful

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get reclaiming then!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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