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Vanquis FOS and Experian


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I'll be as brief as I can.

 

Vanquis incorrectly applied an over limit charge to my account in 2009,

which took me over my agreed credit limit of £1,000.

 

In 2010 I logged a complaint with the FOS, they advised me to take further steps before they would consider the case.

 

In 2013 I was able to offer the FOS proof that I had taken those steps and they took up the case.

 

Throughout this period until currently I have maintained the minimum payment to Vanquis.

The officer dealing with my complaint requested Vanquis return all late fees and charges accumulated

as a result of those accumulated fees, this request has been ignored.

It is now waiting for consideration by the main Ombudsman.

 

During this complaint it was noted that Vanquis had charged me ROP, even though I had never agreed to it.

 

I had to go through their complaints process with this first, before the Ombudsman could look at this issue.

 

Vanquis adjudicated that I had taken out ROP and they had listened to a phone call with me stating I agreed.

When I pressed for a copy of this phone call, they suddenly said they had made an error there wasn't one,

but I must have agreed to the ROP so they would not refund, but would now cancel it in the future.

This complaint has now also been taken up by the FOS also.

 

I recently SAR'd Vanquis to be given a lot of garbled scene print outs which I could not make head nor tail of.

Copies of one line recordings of phone calls, which haven't noted the involvement with the FOS at all.

 

Several weeks ago I also sent in a request for a CCA,

again Vanquis have breached that request and sent a blank copy of an application form

with no attached prescribed terms and conditions.

 

Today I have notified them by recorded post that the account is in dispute.

 

The over limit charges and resulting interest applied since 2009

have taken the account to double its limit, the current monthly payment is just over £100.

 

As I am managing to deal with the above issues.

But an interesting development occurred in December 2013.

 

As soon as Vanquis were requested to return the over limit payments and interest,

they began lodging the amount of credit usage on my credit report.

 

Up until December the amount was always listed as zero.

Bare in mind this account has been over limit since 2009.

The account is still listed as satisfactory.

But their recording of my credit usage has hit my credit in to the FAIR region,

where it was excellent before - I have no other outstanding credit.

 

It was only when the Ombudsman contacted them about repaying the charges,

that they began recording information

- this appears to be quite a vindictive course for them to have taken.

 

I have contacted Credit Expert on two occasions to add dispute reports to the account,

they have contacted Vanquis who will not agree to this.

 

I have asked Vanquis to stop processing my data - although I doubt they will take notice.

 

Does anyone have any advice on how I deal with Vanquis recording with the Experian?

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Vanquis have an obligation to maintain the credit files, little or nothing you can do about that.

If you have no other credit accounts on CRA files "fair" is a reasonable assessment.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I have revolving credit other credit cards, catalogues, they currently have zero balances.

Do you mean not in use or cleared monthly?

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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