Hi, Has anyone ever reclaimed this con that Vanquis Bank call ROP. I have been paying it unknowing for years. I know i would not have signed up for it and should not have been given it. I was on a fixed term appointment within the civil service (HMRC), I never claimed or used it when the contract ended. Because I was on fixed term contract surely that means I should not have been offered it. I have been in touch with couple of companies that said they have been successful, but they lied! Once I had given them all the info, they said they could not pursue claims against Vanquis. Has anyone ever actually claimed it back successfully? If so, please can you advise me how. I have been paying for over 4 years and its only recently I discovered what i was i was paying. i thought it was some monthly charge. thanks in advance