I had a Credit Card with Vanquis (Credit Limit £500), which was closed (according to Vanquis) and passed to Moorcroft on 23/03/2013 with an outstanding balance of £703.51 (mainly due to added interest, charges and ROP) I spoke with Moorcroft and informed them that I would be able to clear the balance 'in full' on 30/04/2013 (which I subsequently did). In the interim period I received a bill in April from Vanquis with another ROP premium added increasing the outstanding amount to £739.93 However, when I spoke to Vanquis they informed me (again) that my account had been passed to Moorcroft and that I needed to speak to them. They also told me that i need to destroy my Vanquis Card As stated above I contacted Moorcroft on 01/05/2013, who informed me that the amount owing to close the account was £703.51, which I paid 'in full' by Visa Debit upon which i destroyed my card (as advised by Vanquis!!) I received a letter from Moorcroft dated 02/05/2013 confirming my payment and that the account had now been settled in full. Much to my surprise (although on reflection no surprise at all) I received yet another bill from Vanquis dated 05/05/2013 with yet another ROP premium added and that the outstanding amount was now £749.48 When I spoke with Vanquis they told me that although it was showing on their system that I had indeed paid Moorcroft the £703.51, they hadn't received confirmation as such (whatever that means) which is why another ROP had been added to an account Vanquis had previously told me had been closed!!! They suggested, I contact Moorcroft as all correspondence should now be with them!! Within ten minutes of my call to Vanquis I spoke with Moorcroft who needless to say informed me that as far as they were concerned the account had been paid 'in full' and that they had confirmed this with Vanquis on 02/05/2013 (three days before my latest bill for a supposedly closed account!!). When I went back to Vanquis they tried to blame it on the Bank Holiday weekend but informed me that I still owed £18.97 I asked vanquis how I could owe money on an account they had previously closed and on which I had already settled...low and behold they suggested I contact Moorcroft as they were no longer dealing with the account.....What a complete bunch of numpties. However having spoken with a supposed Supervisor!!...He informed me that he will contact the 'Exception Team' immediately to get the 'Outstanding Debt' of £18.97 written off. My main query is that how can Vanquis keep adding to an account they have supposedly closed and as such having paid Moorcroft the outstanding amount 'in full' there subsequently shouldn't then be any more owing anyway. I would also hazard a quess that by calling it ROP (which isn't worth the paper it's written on by the way)....It's a loophole to get Vanquis out of any mis-sold PPI debates. Surely once my account went into default with Vanquis the ROP should have stopped anyway as (like it is with insurance) if you default on payment the policy becomes invalid and as such if it's invalid then you shouldn't still be charged the premiums!!

GE Money were granted possession of our property for Tuesday 14th May whereby they could then apply for a warrant to have us evicted. However, yesterday (30th April) we were able to settle our account with them 'in full' including all the oustanding charges and court costs. Will we still need to complete the N244 to suspend the Possession Order and if so what is the Court Fee? The paperwork we have refers to a booklet EX50 (Page 7) but this page doesn't relate to repossessions. Please advise

First off, to cut a long story short, we have been issued with a Final Charging Order for a sum of less than £5000 and the claimant is FV-1 Incorporated who were acting on behalf of HSBC Visacard. We attended the court hearing and agreed with the courts and FV-1's solicitors (Young & Pearce) to pay by monthly instalments of £60 as this is all we can afford. The first payment was made to Young & Pearce on 20th March and at the same time they took my Visa Debit Card details in order to take further payments on the 22nd of each month. Today (22/04) I discovered that the 2nd payment had not been taken as agreed and rang Young & Pearce to investigate. They told me that I could no longer pay them as they had closed my file and that further payments would have to be made direct to the claiment. As such I was given a tel no. for Marlin Financial Services and rang them accordingly. After initially telling me I had to contact Young & Pearce , the lady at Marlin eventually agreed to take my payment. Being a little bit sceptical, I asked the lady to confirm my outstanding balance (naturally expecting it to have reduced by £120). However, after apparently checking the 'Young & Pearce' website and after some delay, this lady (to my horror) informs me that the balance has actually increased due to added interest . She also informs me that my original payment was late (which it wasn't!!) as they didn't receive it until the 10th April 2008....an amazing three weeks after I paid it (by Visa Debit) to Young & Pearce. It would obviously appear that the interest being charged is actually greater than the monthly payments agreed by the courts and as such at this rate the debt will continue to increase to the point where I will never actually be able to clear it. I maybe naively felt that once the Final Charging Order was passed through the Court that interest could no longer be added and I have since been led to believe that as the original Creidt Card Agreement and subsequent debt are covered by the Consumer Credit Act and as the amount is also less than £5000 that interest could not be added anyway. Some advice prior to geting formal legal advice would be appreciated.