Anybody been able to claim-back on ROP?

[just_jue]

Hi everyone,

 

I have just been going through the other half's vanquis account and found out that she has been paying for ROP, she never asked for this and I am sure that when she spoke to them on the phone she said that it was not needed.

 

I have written the letter below, and was wondering if anyone has been able to claim it back.

 

Thanks

 

JJ

 

Dear Sir or Madam;

 

With regards to the account I have with you I would like to raise a formal complaint.

 

After checking my last couple of statements I have been charged for Repayment Option Plan. I have never asked for this and when I spoke to one of your representatives a little while ago I said I did not want this on the account as it is not needed and not applicable to me.

 

With this in mind I would like all payments that I have made refunded to the account including all interest charges as well. I would this cancelled from the account immediately.

 

If you are unwilling to do this I will have no option but to take the matter up with the financial ombudsman.

[ims21]

Hi

 

Sorry you were missed.

 

Although not PPI this is a type of insurance which can give you payment breaks on a card.

 

If it was put on there without knowledge then you should certainly put in a claim for a refund including all interest charged as a result of it.

 

Type in "vanquis rop" in the site search engine and you will find other threads on this subject which you can research.

[just_jue]

Hi ims, thank you for your comment.

I have had a brief read through and it seems they don't like giving the money back.

I will let you know how I get on

 

JJ

[Corrections34]

Hi

 

Im in the process of attempting to claim back ROP. Did you have any success?

 

Thanks