Vanquis Bank / Moorcroft!!

[CoachKT]

I had a Credit Card with Vanquis (Credit Limit £500), which was closed (according to Vanquis) and passed to Moorcroft on 23/03/2013 with an outstanding balance of £703.51 (mainly due to added interest, charges and ROP)

 

I spoke with Moorcroft and informed them that I would be able to clear the balance 'in full' on 30/04/2013 (which I subsequently did).

 

In the interim period I received a bill in April from Vanquis with another ROP premium added increasing the outstanding amount to £739.93

 

However, when I spoke to Vanquis they informed me (again) that my account had been passed to Moorcroft and that I needed to speak to them. They also told me that i need to destroy my Vanquis Card

 

As stated above I contacted Moorcroft on 01/05/2013, who informed me that the amount owing to close the account was £703.51, which I paid 'in full' by Visa Debit upon which i destroyed my card (as advised by Vanquis!!)

 

I received a letter from Moorcroft dated 02/05/2013 confirming my payment and that the account had now been settled in full.

 

Much to my surprise (although on reflection no surprise at all) I received yet another bill from Vanquis dated 05/05/2013 with yet another ROP premium added and that the outstanding amount was now £749.48

 

When I spoke with Vanquis they told me that although it was showing on their system that I had indeed paid Moorcroft the £703.51, they hadn't received confirmation as such (whatever that means) which is why another ROP had been added to an account Vanquis had previously told me had been closed!!!

 

They suggested, I contact Moorcroft as all correspondence should now be with them!!

 

Within ten minutes of my call to Vanquis I spoke with Moorcroft who needless to say informed me that as far as they were concerned the account had been paid 'in full' and that they had confirmed this with Vanquis on 02/05/2013 (three days before my latest bill for a supposedly closed account!!).

 

When I went back to Vanquis they tried to blame it on the Bank Holiday weekend but informed me that I still owed £18.97

 

I asked vanquis how I could owe money on an account they had previously closed and on which I had already settled...low and behold they suggested I contact Moorcroft as they were no longer dealing with the account.....What a complete bunch of numpties.

 

However having spoken with a supposed Supervisor!!...He informed me that he will contact the 'Exception Team' immediately to get the 'Outstanding Debt' of £18.97 written off.

 

My main query is that how can Vanquis keep adding to an account they have supposedly closed and as such having paid Moorcroft the outstanding amount 'in full' there subsequently shouldn't then be any more owing anyway.

 

I would also hazard a quess that by calling it ROP (which isn't worth the paper it's written on by the way)....It's a loophole to get Vanquis out of any mis-sold PPI debates.

 

Surely once my account went into default with Vanquis the ROP should have stopped anyway as (like it is with insurance) if you default on payment the policy becomes invalid and as such if it's invalid then you shouldn't still be charged the premiums!!

[maroondevo52]

Thread moved to Debt Collectors Forum.