Vanquis CC, debits after account was 'closed'

[Micky the Hippo]

Howdy,

I had a short lived credit card with Vanquis that I did not need.

I paid it off in full and called them and closed it with the person at the other end.

2 months later they started sending me messages about late payments,

I called them and to find out that the card had not been closed in error and 6 weeks after it should have been closed they paid a google debit of £560.

I hit the roof and made a formal complaint that took them well over a month to respond to.

They agreed they were at fault, refunded all late payments fees and offered me £100 in compensation.

However they said the debit amount stood as 'I had benefit from it' and I should get a refund from google.

I hit the roof again but they have stuck to their guns.

The debit from google is a genuine one but I wanted to dispute it with google and closed the card so they would have to engage with me.

But surely that's neither here nor there surely?

What is the next step?

Ombudsman takes forever doesn't it? 

thanks in advance

[dx100uk]

 

6 minutes ago, Micky the Hippo said:

I wanted to dispute it with google so closed the card so they would have to engage with me.

thats not the way to do it sorry.

sorry so what is your problem?

that vanquis paid the £560 or that they are now chasing it?
how old is this debt?

dx

 

[Micky the Hippo]

I closed the card and they told me it was closed, and agreed 2 months later when I complained that it should have been closed.

And they paid a debit 6 weeks after it should have been closed.

It's not about the Google debit, its about them telling me the card was closed, not closing it, then paying a debit and then telling me its valid and I owe it to them. How can that be right?

Edited April 16 by Micky the Hippo

[dx100uk]

sorry but it is ALL about the google debt which you state was legit and you owed it.

closing the vanquis card was not the way to 'force' google into communicating with you.

it is obv you knew the request to pay google £560 was going to be coming out, that's why you phoned vanquis to pay the card off and trying to close it to stop google getting their money.

that sadly backfired on you,

you have been compensated because vanquis failed to carryout your instructions.

IMHO you are very lucky you got that as they must have known the google request for payment was pending

can't see the FOS or anyone agreeing that vanquis have treated you unfairly here.

unless ive mis understood your explanation of what happened it's a dead duck.

[Micky the Hippo]

Really? They told me it was closed, they agree to that. If they had closed the account like they said they had this would never have happened. Direct consequence of their mistake. What is the logic to this being OK?

They did not know it was pending, the Google debit was paid 6 weeks after the card was closed.

Edited April 17 by Micky the Hippo

[dx100uk]

19 hours ago, Micky the Hippo said:

The debit from google is a genuine one but I wanted to dispute it with google and closed the card so they would have to engage with me.

then the above comment must be wrong.

dx

 

[Micky the Hippo]

Eh? Google debited the card 6 weeks after I was assured the card was closed. If that the point you are questioning. Vanquis not closing the card was a simple error on the part of their person that I spoke to. They accept that.

[dx100uk]

does not matter.

you obviously knew the £560 sum was coming out - that's WHY you phoned to cancel the card??

[Micky the Hippo]

So what, that's nothing to do with vanquis, I asked them to close the card. They said they had, and as a result of their error they paid something they should not have done.

It's not about morality surely?

[dx100uk]

no of course not morality doesnt come into any debt issue and never should.

but you already knew the google debit was going through when you asked to cancel the card, the payment process had already started, they had no other option under the consumer credit agreement that you and they signed and was still in force at that time but to honour the google payment .

this is reflected in the compensation they gave you, which only concerned the fact that they didn't cancel the agreement when you requested. 

Even if they had carried out your request the transaction would have still been honoured as it was pre cancellation.

dx

[Micky the Hippo]

6 weeks later?

[dx100uk]

4th time now .

thats totally immaterial.

dx

[Micky the Hippo]

Thank-you gor bring so gracious with your help, if you had explained the logic behind your argument in the first instance we would have got their quicker. Your reason is not the one that they used but hey.

[dx100uk]

you've been here longer than me and cant realise the obvious? 

in my very 1st post i told you that's the wrong way to go about it.

vanquis had no reason to explain to you why they allowed the payment, but they did:

On 16/04/2024 at 19:38, Micky the Hippo said:

However they said the debit amount stood as 'I had benefit from it' and I should get a refund from google.

covered by the consumer credit act.

dx