Vanquis bank

[Corrections34]

Hi Brig

 

Thanks for the reply. post #32 #33 #34 #35 say something about a letter before action? Has it changed now?

 

Thanks

[BRIGADIER2JCS]

Refresh my memory did you entitle the letter LBA or Formal Complaint?

[ims21]

Corrections, I am going to move the last few posts to your main thread.

 

Remember, ROP is not PPI and if you recall, the charges claim and ROP are two different claims.

 

I'll respond more fully when I have moved these posts.

[ims21]

Posts from another thread moved to here.

[ims21]

So, ROP is not PPI although you can reclaim it of mis-sold. If you are planning to get fos involved with this then you are going down the regulatory route and they will have 8 weeks to investigate before you can get fos involved.

 

For the charges, fos will not be interested. Accordingly the route you should be considering is the court route which is the way nearly everyone who wants to claim their charges back has to go. For this you set the timescales, not them.

 

dx gave you the preliminary letter for charges above which I assume you sent off. If they do not reply within the 14 days then you send them a 7 day lba and if they still don't cough up then you sue them.

[Corrections34]

I am willing to go to court over these charges and yes I did send the letter dx gave me. So my next question is what is a lba and where can i find it?

 

Thanks again

[ims21]

The lba will be for the charges and not the ROP.

 

It is basically the same as the prelim with the figures updated to reflect an updated spreadsheet with the "claim to" date set to today. The changes to the text will be that you head it "Letter Before Action" and put a final paragraph to the effect that if they do not pay within 7 days you will issue in court without further recourse to them.

 

As always, only threaten court of you intend to go through with it and are prepared to argue your case before a judge.

[Corrections34]

ok thank you ims21

 

Obviously im apprehensive about going to court. But if it means getting my charges back I certainly will. They still have 6 days to respond until my 14 days are up. Guess Ill just wait. Cant see me getting a response though

[ims21]

Nope...they will not refund the charges without a fight. I hope I'm wrong though.

 

If you do end up issuing, they may cave in before court but you should certainly work on the basis that you will have to appear in front of a judge.

 

Have you done your reading around the forums to see how others have got on with the various banks? If not you might like to do so as there is wealth of information here on how to go about it, how to prepare etc. etc.

 

Have a look at the success threads to give you a boost.

[Corrections34]

I have had a little look. But cant really find anything related to charges. Could you give me some links that would be a real help.

 

thanks for all your help

[ims21]

Well you could start here in the Barclaycard successes

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?97-Barclays-BCard-and-Woolwich-successes

 

The principles are all the same

[dx100uk]

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

 

and link 3 below too

 

ask if you want help

 

dx

 

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[Corrections34]

Hi all (again)

 

I had a letter today from Vanquis with regard to my PPI/ROP claim.

 

Personally I cant make head nor tail of their reply.

 

Ive had the account since 2009. And, after stopping payments it was sent to Lewis Group DCA.

 

I calculated that I have paid £308.43 in ROP and £204.07 in interest with a total of £512.50.

 

I sent the template letter dx gave me and this was their reply:

 

OPT OUT OF REPAYMENT OPTION PLAN

 

We confirm that your request to opt out of the plan has been actioned.

 

No plan charges will be made to your account.

 

If you opt out of the plan within 30 days after receiving the information on the plan, any charges that you have paid so far will be refunded to your account.

 

I dont have an account with them, because it has been closed and passed to Lewis DCA.

 

And I have not asked to opt out, I have told them I was mis sold the plan and want my money back?

 

Can anyone help with this one?

 

Thanks

[BRIGADIER2JCS]

Ok are Lewis acting on behalf of Vanquis or has the account been sold.

[Corrections34]

Ive had numerous threatograms from lewis. But ive put the claims direct to vanquis and also informing lewis that account is in dispute.

[BRIGADIER2JCS]

Ive had numerous threatograms from lewis. But ive put the claims direct to vanquis and also informing lewis that account is in dispute.

 

Could be Lewis has passed the account back to Vanquis, so I would write to VANQUIS and ask what this is all about having not made such an application.

[Corrections34]

I wrote to vanquis with the ppi claim. i had a reply from vanquis a few days ago saying they have 56 days for the investigation. Then i received this from vanquis today. I dont understand it?

[BRIGADIER2JCS]

I wrote to vanquis with the ppi claim. i had a reply from vanquis a few days ago saying they have 56 days for the investigation. Then i received this from vanquis today. I dont understand it?

 

I agree it does seem odd.

[Corrections34]

#41 on this post is the letter (PPI one) I wrote. It does not answer my letter in anyway shape or form. It basically says I have opted out, which I did not ask. Any idea on what my next move should be? because Im totally lost now.

 

Thanks

[BRIGADIER2JCS]

#41 on this post is the letter (PPI one) I wrote. It does not answer my letter in anyway shape or form. It basically says I have opted out, which I did not ask. Any idea on what my next move should be? because Im totally lost now.

 

Thanks

 

Hi C34 I'll read all the thread again and see what I can suggest, so will get back to you later.

[Corrections34]

Thank you BRG. Im well and truly stuck

[dx100uk]

I would suggest that this is a side event of your reclaim.

 

obv you don't want it anymore.....

 

await the result of the reclaim

 

your cra file will tell you who own the debt.

 

dx

[Corrections34]

The debt belongs to Vanquis still. It also states at the end of the letter ' I trust this clarifies the matter' to me that states the end of it?

 

Thanks dx

[BRIGADIER2JCS]

That clarifies and makes it all a lot clearer, as dx says wait for outcome of PPI claim.

[Corrections34]

Hi guys

 

Sorry i dont mean to sound stupid but ive never done anything like this. So what that is, is a generic letter saying ive opted out. And I should now wait upto 56 days for an answer on my claim. If i do not then take action from there?