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Vanquis; Any Claimants ?

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Appears that these (part of the Provident group) have been very evasive in requests for refunds/statement inaccuracies etc.

Have you sent a SAR to these ?

whats been their response ?

Did you get statements which you cannot reconcile charges with ? Post here if you are/want to claim against them


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have big BIG issues with Vanquis ! see my thread Vanquis Hell for details....:mad:

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/98286-vanquis-hell.html

Edited by citizenB
added link to posters, thread

Barclays - £276.60

6/11/06 prelim letter sent:eek:

22/11/06 LBA Sent:-)

N1 to be filed 30 Jan 2007 :cool:

 

Barclaycard - Awaiting response from prelim + complaint for blatant ignorance. Unsure of Charges. :mad:

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Hiya ive sent of a sar to this company but they have some time left to go to provide it. Will keep you updated.

thanks

karen

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I have sent both SAR and CCA requests to this bunch for my card and my wifes they have sent a letter completely ignoring the requests and said they will refund me £8 and my wife £5 they sent a plain A4 sheet showing only 3 charges on mine and 4 on my wifes despite my warning them i have a lot of statements showing charges but want the complete set of statements for both cards also the ppi insurance they decided i needed without my concent, i have reported them to the IOC and they still sent me a letter to say they were passing the account onto a DCA for collection despite the account being in dispute, they are beyond belief. but not many threads relating to them to find more information, if i find anything i will post it here

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I have all my statements which show charges of £120. I have got as far as prelim & LBA with just £16 GOGW as their final offer . LBA was done over 6 weeks ago but i do want to see it to the end. I want to file a.s.a.p so will start a thread soon and keep you posted

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Sent SAR off today, will let you know how it goes.

 

I understand that their APR is mean't to be one of the highest of all Credit Cards. Anyway started my own thread earlier today :)

 

Op's


CASES:

 

HALIFAX

07/09/2007 - S.A.R SENT

18/09/2007 - statements received.

Waiting for money to do N1

CAPITAL ONE

WON - Fees, purchase interest, court costs and Stat.

VANQUIS BANK

07/09/2007 - S.A.R SENT

18/09/2007 - C.C.A SENT

I hate this company

LLOYDS TSB BANK (SISTER)

20/09/2007 - statements received

22/11/2007 - N1 filed

Lloyds TSB CREDITCARD (SISTER)

18/09/2007 - C.C.A SENT

20/09/2007 - statements received

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I've just recieved a letter replying to my request for statements. any apparently there doing a full investigation. Could it be like the one Littlewoods are doing that's taking over a MONTH compared to Kays that took less than a week and supposabley included all charges which they didn't :mad:

 

I wonder. just to get something back would be good as my account was settled over a year ago

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Hi everyone ...... i will be sending my S.A.R off in the post tomorrow.

 

Vanquis have already failed to satisfy my CCA request although they have passed my account to 1st Credit who in turn passed it back to Vanquis who then passed it on to Creditlink Debt Recovery.

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Sent S.A.R - (Subject Access Request) off today, will let you know how it goes.

 

I understand that their APR is mean't to be one of the highest of all Credit Cards. Anyway started my own thread earlier today :)

 

Op's

 

Their APR is certainly at the extreme end of the scale, but as part of the "provy" are we suprised? All good though when it comes to claiming charges back then applying the interest! :)

 

I've just recieved a letter replying to my request for statements. any apparently there doing a full investigation.

 

I had a letter from them saying this.

Has been 41 days now since SAR sent.... time for a letter to tell them they have breached the timescale :-x

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I've SAR'd Vanquis about 4 months ago, they replied stating to save time they would refund me around £150 and didn't enclose statements, then they set a debt collector on me. I've took a few months out due to having a baby and i have heard nothing off of them but i will be writing to them this week, i'll update this with more exact dates when i have the paperwork to hand.


£914.00 unfair bank charges recovered from NatWest after 1st letter :)

 

£255.00 unfair bank charges recovered from RBS after 1st letter :)

 

Welcome Finance cannot supply original agreement, N1 issued for charges, PPI & interest total over £3k :cool:

 

Woolwich 2 defaults removed, 1 ccj removed. My credit file is now clean :D

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my cca request being totally ignored and they keep ringing me on my mobile so telephone harrasment letter ready to send it does not seem to atter how many times you say in writing only they are too thick to get the message!

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Well you might have a strong case under the 2008 consumer credit ammendments.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi my name is Andy, I have sent them the S.A.R. over 2 months ago, also telephone harrasment letter, reported them to OFCOM, all i have had is endless calls, every day, a letter saying they are investigating my complaint from them, a debt collection letter from Impact Collection Services now an email from them telling me to contact them.

 

My wife has a medical disability, scitzophrenia and she has been made ill by the phone harrasment.

 

From there Vanquis call centre i can recognise 2 voices, each in turn phoning our line, we now answer it silently and the harrasment means we cannot answer our phone normally to our family, i am so annoyed i would love to see them sued, up till about 2 weeks ago we were getting up to 10 silent calls a day, this freaked out my sick wife as she got very frightened as to what they would do next, so add me to any list to take action.

 

Thanks for reading...

 

Andy

 

PS No phone calls please :cool:

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Hi Andy and welcome to CAG.

 

If you don't mind your phone number being changed you can phone your telephone supplier and tell them you are being harassed and need your number changed. They will do this FOC straight away.

 

Hopefully OFCOM will also act on your complaint. They recently fined Barclaycard 50K for their silent calls.


HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi Rory, thanks for the welcome, i have been a member for a while, just a silent one :) I could change my number but it would be a massive task as i run a help group of which 3500 members have my number, and on principal i do not see why i should, its been my number for 30 yrs, some low life lender is not forcing me to change it. Its also tied in to the medical health system for my wifes needs.

 

It seams Vanquis aka provident, have despite a letter informing me they are investigating my complaint have passed my details to Impact Collection Services of London, however thats also a trading name of provident finance, the number now annoying me is 08000191556, however its the same voices calling, how bizare....

 

They call every morning at 9am prompt, i silently answer it at the moment and record the details in my log book, and i will be passing on my reports to OFCOM on a weekly basis in writing.

 

Would other members maybe give me some backbone support to put to OFCOM, the more they get i sopose the sooner they will act.

 

Regards Andy

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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My wife has a Vanquis card and has asked for the CCA, we have today received a reply which states (following a copy of a blank application form);

 

"We regard this as meeting our obligation under section 78 of the Act 1974 to provide you with a true copy of the executed agreement. On their proper construction, that section and Regulation 3 of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (1983 S.I. No. 1553) do not require us to provide you with a copy of the executed credit agreement between us in the form of a photocopy of that agreement."

 

Can the members with experience of Vanquis or claiming against unenforceable agreements give me some feedback on this please.

 

Thanks

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I would reply to them;

 

I requested a 'true copy of an executed agreement' and if you believe that an unsigned copy is 'executed' then we are in dispute, and whilst in dispute I need not make any further payments.

I suggest that you have not retained the original and therefore the debt would not be enforceable.

 

 

fiddled

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Fiddled, good idea, that's what I will do.

 

Cheers,

 

Foxknowe

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Hi, Vanquis just refunded all my credit card charges plus 8% interest that was the first letter and it was a doddle, they did not put up any kind of fight or offer a stupid 12 quid compromise........

I am going to buy me a nice bottle of wine and some tasty Indian cuisine this evening. Can't wait........

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Monty, well done.

 

Fiddled gave some good advise by advising to put the account in dispute. If I can be so bold, what was the letter you sent that provided you with the success??

 

So far all I have sent them is the CCA request and a bit of a loss what to do next?

 

As a complete aside I have other cards I am waiting on satisfactory responses to the CCA's (without any success).

 

Foxknowe

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Hi Foxknowe

 

First I sent an SAR + 10 quid. Then worked out all the charges + interest and sent them the first letter before action from the CAG letters section. I was getting ready for the fight and they caved in! Where is the sport in that?

 

Anyway I am now faced with the complex decision of going for the chicken madras or prawn bhuna tonight, I am okay on the wine choice though.

 

I just checked my Vanquis account and they have credited the amount so I am in positive balance - never had that before!

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Monty, think it should be the Madras!

 

What letter was it you sent from the letter suite? (is this the page with letters A, B, C, D etc...)

 

I am pleased for you, knowing how I feel just now, what a result.

 

Foxknowe

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