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Hi, I had a Vanquis CC a few years ago

- I discovered they were charging me for a Repayment Option Plan that I had not been told about

- even when I was near my account limit they would take the ROP payment and interest and then if it made my account go over limit they would charge me over limit fees, admin fees and interest.

 

I wrote and asked them to stop these payments as I had not agreed to the plan and to refund the payments they had taken

- I never got a response but they refunded just two months payments then started taking them again the next month.

 

To cut a long story short

- over several months I wrote a number of times (all by registered post) and sent several emails - they totally ignored me.

I then wrote and told them I considered my account to be in dispute - they ignored that as well.

 

I stopped payments - then my account was passed to Lowell Solicitors who I have completely ignored - they were phoning me 8-10 times a day even at weekends.

Lowell then wrote to say they had now passed my account to Lucas Credit Services - they are now contacting me every single day.

 

In the meantime I received a letter from Vanquis to say they were refunding me some interest and it would be taken off what I owed on my account but the letter from Lowell and now from Lucas Credit do not reflect a reduction in what was owing and I don't even know what this money is for.

 

Not sure what to do next - I intend to try and claim back all of the ROP payments and all of fees they have applied to my account - is it best to do this through the FOS or through the court?

Edited by dx100uk
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if you read the recent FOS/FCA lambastering of provident group they were order to pay back some £168m in ROP.

what you have got is their interpretation of it...ONLY the interest

NOT the ROP itself

NOR..the penalty charges it caused.

 

have yo all the statements

if not sar them 1st

 

as for lowells..

don't forget a DCA is NOT A BAILIFF

and has

ZERO legal powers

just block them.

 

 

are you still at the same address you took the card out at?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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Thanks....I have quite a few statements but not all of them. What is a SAR?

 

Yes, I am still at the same address. Should I ignore Lucas Credit as well then? They are emailing every day now.

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you ignore EVERY DCA!! as above ..

 

until / unless you get a letter of claim from a fake tame/paperonly solicitor.

 

click sar


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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oh and by them I mean vanquis SAR

never enter into any comms with a powerless dca


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Okay....thanks dx100uk - I will send off the SAR and post back once I hear from them

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