in my case they have said if i want to stop the interest , i Have to pay them 6.95 per month. which i not prepared to do. i have already disputed the amount. a recieved a letter stating that my credit limit has been decreased with the bill attached. I also contacted by another company representing the Government PPI claiming scheme,saying that Vanquis bank and another Credit card company(Capital one) are the worst for Hiding there PPI inside there Interest Rates.so they can say there is no ppi on the account. Statements: i don't have. has it online account only(also been blocked by them since i owe them money). i Grabbed a few before about 6 months worth. but most of my Bills were made by chqeques, so i have a record of the amounts/payments dates other the Years.

hello, yes i made that mistake too and got a vanquis credit card. i have now lost the orginal job i was on, and gone to a small part time job.i telephone vanquis and told them to added the interest rate freeze, which they didn't BTW.and i checked there Automated Account system which they reckon i owed them £206.00 , that was fine, then i Recieved an telephone call from them. saying that i Owed £1016.00 and that they Automated System Was in Error.i have now Defaulted on 3 months payments.and now Recieveing telephones calls on a Daily basis,from Vanquis, and some one callling themself Impact. what should i do. i have also recieved a letter From Cpp,and gone to Citizen advice for advice which they have forwarded to trading standards.here the snippet of CAB letter .