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Hi all.

I never have liked direct debits. I prefer to make payments when it's convenient for me.

Unfortunately my system came a bit unstuck a couple of months ago as I realised I was late in making a payment to Vanquis for my credit card bill.

I immediately sent 2 months worth of payments but by then it was too late. They had recoreded a late/missed payment on my credit file which saw my already not brilliant credit score plummit even further.

I wrote to them explaining that recording this default on my credit file is telling other companies that I may be or about to be in finacial hardship & that was the prime reason for recording a default whereas the reason I was late in making the payment was pure oversight. I pointed out that I've been with them for a number of years, never missed any payments, have received numerous limit rises & have generally been very well behaved.

Unfortunately they were unmoved & their reply simply put was that they were entitled to screw with my file & felt that it was the right thing to do.

Now, I'm not disputing my late payment & the fact that yes, they are entitle to sabotage my credit file but I really don't think it was the right thing to do at all. I can point out that I received no reminders but that is beside the point. It was my own fault. I can't see how I can convince them to change their minds.

I'm more annoyed with myself as I was improving my rating slowly after years of being classed as a bad risk so I guess I'm just venting.

I'm now trying to raise enough funds with which to pay off my balance then I won't need to contribute to their profits or deal with them ever again.

Rant over :mad2:

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Late payment markers are NOT defaults.

 

What you need to do is make a Formal Complaint to Vanquis, I suggest addressing it to the Data Controller, base it on the fact you immediately remedied the late payment as soon as possible.

  • Confused 1

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Thanks for the reply.

 

My apologies. Of course late payment markers are not defaults. Bad choice of wording.

The letter I received was from a "customer action team representative" who asked me to write back to her if I wanted "clarification" but I will indeed follow your advice & address my reply to the data controller.

 

Thanks again.

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Yes always avoid the customer (dis) service teams especially with banks, CC providers, and DCAs, their sole function is to prevent customers actually getting to someone with authority to make a decision imo.

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I've just checked my records & the due date of the payment that was late was 21st Feb. The min payment was £22. I sent a payment of £80 which was confirmed as received by Vanquis on 28th Feb which was when I realised my error. A little bit of a hair trigger I'd say.

I'm coming to believe this lot are the Ryanair of Credit Card companies. Maybe that's unfair on Ryanair though.

I'll send the letter of complaint tomorrow. I just hope it gets to someone who can see how silly this is.

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The Formal Complaint course is the way forward of that I'm sure.

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I was also invited by Vanquis, in their reply, to make a complaint to the Financial Ombudsman should I not be happy with their decision.

Should I also contact them or wait to see how Vanquis handle my next letter?

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I would certainly prepare a complaint to FOS so as to be ready to go if needed.

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  • 4 weeks later...

Just an update to my situation.

I received what looks like a stock "your complaint is being passed to the relevant dept" letter in reply to my formal complaint.

I'll update the thread on receipt of their reply.

Cheers.

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Just an update to my situation.

I received what looks like a stock "your complaint is being passed to the relevant dept" letter in reply to my formal complaint.

I'll update the thread on receipt of their reply.

Cheers.

I'm looking forward to their response.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 1 month later...
Oddly enough I've still not received any answer from Vanquis.

I've sent a complaint to FOS so I will be hearing something soon - I hope.

They are notoriously slow:!:

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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In fact you might even receive a response from Vanquis before you receive one from the FOS !!

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In fact you might even receive a response from Vanquis before you receive one from the FOS !!

 

It'll be a close one:jaw:

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Ok, I'm getting the idea. I wont hold my breath then.

 

Could be fatal with this mob:!:

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