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Vanquis Rop claim ( not cancelled when asked)


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Hi trying to work out what we should get back as had this card for a while now been out the loop for a while and brain is getting older lol, to work out the interest we have paid on a ROP payment what interest do i go by is it the 3.99% monthly or the 59.92% yearly ??

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use the yearly one.

but as things go

you'll be contacted by them soon re the £168M they've been told to repay this week

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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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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  • 2 years later...

Hi there

my husband has a Vanquis card i applied to get the ROP refunded which they shut me down on

 

this was back in Aug 2018 on the letter they sent him telling him no they did state they would cancel the ROP with immediate effect,

 

roll on to this week and i come across one of his statements and low an behold they are still taking it,

 

my question as they have still been taking it i have obviously phoned them to get it stopped and the past 2 years refunded

 

do i use the CISheet spreadsheet to work out the interest he has been charged on these payments

 

his statements show a 3.99% monthly which i believe is 59.93% APR

 

can someone confirm my calculations please im a bit rusty,

 

i also have asked them to recalculate his ROP interest refund as i heard some were wrong and

 

i've asked them to re look at the complete refund claim as well whilst they are at it

 

, if im reclaiming the whole lot is this again the CISheet at 59.93% as 1 £5.50 ROP charge from oct 2009 shows £876.77 interest ??

 

any help would be great not done this for a long time last one was bank charges lol.

 

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If the card is still active

You are correct.

 

https://stoozing.com/apr-rate-converter.php

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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wew.

 

ive merged your previous threads about this all here to one thread now.

 

go back and read from post 1 again.

 

as you complained before the 2019 cut off date.

your claim in still valid.

 

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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