Vanquish pulling a fast one

[uk007]

Hi all

 

I was in arrears with my vanquish and I agreed to a 50pm payment plan just to get them Off my back

if I'm Honest I think I had 12 missed calls from them in one day they are crazy!

 

I told them That I would call and make the payment on the due date,

now due to me having family issues I couldent call till the next day, I

checked my bank and they already took it which was strange because I never gave them my bank details

 

so they have set a DD or took the £50 without telling me

 

I'm Sure they carnt do this because I said I would call and pay it so why are the keeping my details on file?

 

Is there anything I can do?

 

BTW vanquish are a bunch of jokes you would think there collection team where bailiffs the way they go on

[uk007]

Update

 

Spoken to vanquish who TOLD me because I failed to pay ontime

and yet have my card details on there system they took it autaticaly

 

errrrrr I don't think so as I told them I would phone and pay,

 

the lady then started being horrible saying they should of took the whole amount !!!

 

Where do these people come from gezzzzzzz

 

I asked for her name and said I was complaining and the surprise surprise the line went dead!!

[Old Cogger]

section 75 reclaim from Bank == sure others will advise, Vanquis need threatening with action

 

always get name at the start of conversation,

 

Idem servicing is their in House DCA (for future knowledge),

 

Me I have stopped paying the gits after ignorance over hardship situation,

 

they do not like the amount I said I would pay, they constantly ring and use at least 50 different telephone numbers ,

 

also beware of any calls starting with your own area code number followed by a 4 xxxxxx that is Vanquis. ,

 

meantime send letter of harassment and contact in writing only or all calls recorded and forwarded TO regulators.

[MandM]

Hi uk007,

 

Don't leave the DD in place. Get it cancelled! Any payment arrangement you set up do it on a standing order set up by you or they'll just keep dipping into your account.

 

Mike

[dx100uk]

no they cannot JUST take money!!

 

get it sorted

 

follow this:

 

We have been telling people to put a letter into their bank instructing them not to make any payments under any circumstances to these companie

http://whatconsumer.co.uk/visa-debit-chargeback/- it works!

 

banks MUST follow written intructions from their customers !

This fsa guide has now been updated:

 

http://www.fsa.gov.uk/pubs/consumer_...ghts_guide.pdf

 

Here's the text:

 

Cancelling a regular

card payment:

 

When you give your credit or debit card details to a company and authorise them to take regular payments from your account,

such as for a gym membership or magazine subscription,

it is known as a ‘recurring transaction’ or ‘continuous payment authority’.

These are often confused with direct debits, but do not offer the same guarantee if the amount or date of the payment changes.

In most cases, regular payments can be cancelled by telling the company taking the payments.

.

However,

you have the right to cancel them directly with your bank or card issuer by telling it that you have stopped permission for the payments.

Your bank or card issuer must then stop them – it has no right to insist that you agree this first with the company taking the payments.

Be aware, though, that you will still be responsible for paying any money that you owe.

.

see: http://www.consumeractiongroup.co.uk/forum/showthread.php?336569-How-to-remove-a-lender-s-continuous-payment-authority(2-Viewing)-nbsp

.

http://www.fsa.gov.uk/pages/consumerinformation/product_news/banking/know_your_rights/solving/index.shtml

dx

[dx100uk]

got all the statements?

 

have they hit you with PENALTY charges too?

 

dx

[uk007]

I never keep the statements but I know the credit limit is 1000 and the last statement I had the balance was nearly 1500, do I send them a SAR so I can get all the info and start claiming?

[uk007]

Btw I tryed to SAR vanquish before and they returned the cheque saying they did not understand my request

[dx100uk]

silly beggaers

 

try again

 

dx

[dx100uk]

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