Jump to content


Dnrn84

Vanquis arrangement to pay markers

Recommended Posts

Hi, I have just finished paying off my vanquis card which had an arrangement to pay. 

 

I have only just realised that these arrangement to pay markers now stay on my file for 6 years!

I have been in this arrangement since 2013 and thought I was doing the right thing paying off the debt.

Apparently I would have been better off not paying and having a default registered as this would be dropping off my file around now.

 

I was never made aware of the impact of these AR markers when I entered into the agreement

I have just raised a complaint with vanquis. 

 

What do you think the chances are of them changing my file to a default mark?

 

Thanks

Share this post


Link to post
Share on other sites

the ICO rules/guidelines didn't change till 2014

so demand they register a backdated default with 3-6mts of your 3 missed/short payment


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

Share this post


Link to post
Share on other sites

you think I've got a case for getting it changed?

This will be the only mark on my file and if I can get it changed to a default then it will drop off in July.

I phoned them earlier and the lady on the phone opened up a complaint for me.

She agreed that its ridiculous that you are better off not paying!

 

Sorry I dont understand what I'm supposed to be demanding, can you explain it in simple terms as I'm not up to scratch with all this.

 

Thanks

Share this post


Link to post
Share on other sites

demand they register a backdated default with 3-6mts of your 3rd missed/short payment


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

Share this post


Link to post
Share on other sites

Ok so this would be July 2013.

If this is done would it all be gone July ish this year?

Share this post


Link to post
Share on other sites

The Information Commisioners Office says:
.
All references to a defaulted debt must be removed from your credit files after 6 years 
has passed from date of default, whether paid off, paying now or not. 
.
{the WHOLE ACCOUNT WILL VANISH, never to return}.
.
{however, this does not mean the debt itself is not still owed]

.
This is so that someone who continues paying something 
- even after 6 years from default 
- should not be at a disadvantage to someone who pays nothing after default 
and ends up with a clean file after 6 years. 
.
NOTE: {the bracketed text is not Information Commissioners Office guideline but my advise]
 


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

Share this post


Link to post
Share on other sites

Thanks for your reply. 

Unfortunately they dont seem to have registered a default at all. They have just marked it as early arrears for the 2 previous months to me starting the arrangement to pay.

Share this post


Link to post
Share on other sites

we know they haven't register a default..that's what you demand they do ..!!!

after the third missed / short/arrangement payments..

3 strikes and you are defaulted used to be the old rule pre 2014 changed.


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

Share this post


Link to post
Share on other sites

I get you now! Thanks for your help

Share this post


Link to post
Share on other sites
12 hours ago, dx100uk said:

we know they haven't register a default..that's what you demand they do ..!!!

after the third missed / short/arrangement payments..

3 strikes and you are defaulted used to be the old rule pre 2014 changed.

Ok, so this is what my file states:

May 2013 - payment up to 1 month late

June 2013 - payment up to 2 months late

July 2013 - May 2019 - AR payments up to date.

Balance was cleared in April 2019, no money now owed.

 

So should I be getting a default around may 2013?

 

Thanks

Share this post


Link to post
Share on other sites

suggest the date to them


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

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...