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Avoid getting any credit card from Vanquis.

 

My experience is they are unethical and do not care about UK credit regulations.

 

I have had nothing but un substainated charges applied to the card up to £1000.

 

They claimed mistakes and errors and keep saying they will refund but instead keep adding charges.

 

I had to make one claim when I paid a deposit for flights to Spain but the agency I paid to went bust,

 

ATOL advised me Vanquis should refund the costs.

 

I applied to Vanquis who said they would freeze interest and charges.

 

Instead they charged double interest for going over limit + fixed charge of £51 for going over limit

and then claim they did not receive my application for a refund and say it is too late to dispute it now even though the transaction is less then 30 Days old.

 

The staff on the phone have been extremely rude, they keep you holding on and pass you department to department at premium rate calls.

 

It has cost me another £100 just trying to talk to them.

 

I have raised a complaint with financial regulatory body and provided details of my case.

 

I would avoid them at all cost.

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sec 75 for the flights claim

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/31/creditcards-31.htm

 

 

and do a spread for the charges & make it an official complaint too

 

see below

 

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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