Vanquis and CARS DCA?

[elie1977]

Hi all just wondering if someone as any info if i can get charges quashed from Vanquis, i got the card in 2009 and had a limit of £250 and stupidly maxed it in 2 weeks and then started paying minimum payment to clear it. They kept charging me £12 for this and £12 for that? Which totalled £36 in charges every month, now it is up to £620 and we joined a debt company called CCCS to deal with everything and now they get £10 a Month from them? Just looked on credit file and they have given me default notice for £620, but can not remember signing an agreement it was done on phone? CAN I CLAIM MONEY BACK AND GET DEFAULT REMOVED???????

[dx100uk]

yes you can reclaim

if the defaults were solely due to their unlawful charges then once they are reclaimed the defaults must be removed

 

dx

[MARTIN3030]

Vanquis are known to dispose of accounts quite quickly once a customer defaults and raises disputes.

Cabot seem to take on a lot (or did)

If you have all the statements,add the charges up and add 8% interest.

Irrespective of whether Vanquis still hold the account,it is they who are liable to refund you.

Once you have all the figures send them a preliminary letter demanding it back.

If the account is with a debt collector,or else has been sold,you need to raise a dispute,informing them that you will be reclaiming charges.

If Vanquis still hold the account,you need to advise them that you will regard any disposal of the account while you are raising a dispute with them on these charges as an unfair business practice.

[elie1977]

Thanks just wondering if there was a letter to send? And I have not paid the charges as yet so I just need them taken off the account so even tho I have not paid it yet can I still add 8%?

[dx100uk]

nope you add int at THEIR int rate not 8%

 

use:

 

dx