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No letters.....replied rather quickly tbh still time left

 

Is there any way I can email what they have sent for you check over?

 

I've got 2 threads going on re this (not sure how I managed it)

 

Have calculated charges and interest re the info they have provided

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scan up the agreement to PDF

follow the upload guide

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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merged

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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If they still have time to comply with the SAR then allow them the full 40 days first before firing off a reminder. More may come through yet.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I raised a SAR to Vanquis about two month ago.

 

I was provided with the same limited package of information, although all I wanted was the transaction log so it served my purposes. That arrived after about 4 days but nothing else came through during the 40 day limit.

 

Despite getting the transaction log I still raised a complaint to the ICO, it took over 20 days for them to respond though so that is only just progressing.

 

I wouldn't expect anything else to come from them unless they are instructed to do so.

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  • 3 weeks later...

Hi all.... ........

.....have calculated charges claim using 8% interest on spreadsheet

but need template letter to send to vanquis to reclaim......

........everytime i try and access anything to do with template letters im told i haven`t got sufficient privelleges to access.....

.......this applies to posts and CAG MAIL......

........help please i need to make sure the letter i send is factually and legislatory correct.......

 

 

.....thanks in advance

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post 24 using THEIR APR not 8%

 

 

use the library tab top left here

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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no its a credit card.

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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no its a credit card.

 

So if their APR was 38.9%, then you use that, otherwise you're letting them off a massive amount!

 

You have to play them at their own game using their rules, which are dirty and skewed.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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