Vanquis ROP

[Camaro3]

Ok Dx, will write to them asking for statement, I'm also going to ask for the terms & conditions + the credit agreement I originally signed up to.

[mikeymack2002]

Vanquis have a bad reputation for just adding the ROP,

 

Did you ask for at point of application? or any time after it?

 

if no then THEY added it, see Para.7 of those terms,

 

personally I would do as I did and ask for the original documentation that specifically stated that

"I" asked for it AND requested it,

 

they couldn't, a full refund of all ROP payments claimed and paid.

 

They then tried so many different DCA's to claim back the debt, but for me it went to the hilt

 

Then one final DCA.

 

Then I offered a F&F of £50.00 which was accepted,

 

specific T&C's for the F&F and then only if I had it in writing, which I now do.

 

From my experience of Vanquis it is a bad company and will pass on the debt as soon as you make a noise

to get back charges and fees.

 

 

MM

[dx100uk]

get an sar off to them £10.

 

dx

[Camaro3]

Thanks all,

 

with regard to mikeymack,

 

my complaint about ROP isn't that they applied it when I didn't ask for it.

 

The complaint is that if my account was over it's limit and I went to make a purchase,

the card would be declined because there would be no funds (or credit) available.

 

Vanquis however charged ROP as a transaction to the account even though it was over it's limit

& therefore no funds were available for the transaction. Sound reasoning?

 

DX, I have already asked for a SAR, all I received was a list of transactions on the account.

There was no signed credit agreement,

no terms and conditions & more importantly no audio copies of any phone calls

I made to Vanquis or that they made to me, (no surprise then!).

 

I am now going to write back demanding all of the above plus proof that no interest was charged on the ROP after 2010

even though on their website it states interest will be charged on ROP.

 

I will also remind them that if they go to court,

they will have to provide all this information,

or anything else that they intend to rely on.

[mikeymack2002]

I think a DSAR is the way forward,

bring it to the attention of the Data Controller and mark it Private,

 

I too had this issue and found them to be very lacking, no matter which way I went,

 

I was charged so much in late/over fees it was unreal,

but as stated above and in my own post re Vanquis took me so long but in the end got it sorted.

 

They also tend to lose important documents unless sent recorded delivery,

then they seem to act on it, go figure,

 

please take this advise if anything,

 

keep every single letter and envelope from now on as they tend to say that it was sent out when it was not,

 

suffice to say it took me to take them to court and they folded on the day,

 

then sold the debt on because it was not worth the agro of a Judge seeing the collected evidence that I had.

 

But in the end it was me that got the best deal in the end and not them.

 

Good luck

 

 

MM

[dx100uk]

how old is your sar request

 

dx

[Camaro3]

The original SAR was sent in January 2012 and a follow up in December 2012.

[dx100uk]

so twice they've never sent things like

comms log

and page copies of each statement?

 

as for:

There was no signed credit agreement,

no terms and conditions & more importantly no audio copies of any phone calls

I made to Vanquis or that they made to me, (no surprise then!).

 

you wont get those

 

 

 

dx

[Camaro3]

Hi Dx, they sent written transcripts of comms logs & a list of tranactions (not actual copies of statements). The reason I mention audio copies is because in their original letter, they say they have reviewed the recording of the telephone conversation at the opening of my account. This they say proves I asked for ROP, however they have not provided a comms log of my asking to cancel ROP.

[dx100uk]

ah sri my bad

 

yes you need to demand copies of the items they are relying upon to refuse your reclaim.

 

dx

[Camaro3]

Hi Dx / ims,

 

Have sent request for all paperwork to Vanquis which should be with me by Friday (according to Vanquis).

 

I have checked my list of transactions on the account and, yes, they did not charge interest from Sept xxxx.

I'm not sure how this will affect my claim.

 

Interestingly, I have had two phone calls from Vanquis this week,

 

one to appologise for not sending all info required in SAR (which is now on it's way).

 

The second phone call was to ask if I would be prepared to accept an increased offer as a gesture of goodwill.

 

I'm begining to think that they think they have done something wrong and by upping the offer hope I will accept & go away.

[dx100uk]

yes you are learning!

 

with the interest issue

 

it'll be simple to calculate things

when you get the info

 

dx

[Camaro3]

Thanks Dx, will wait 'til Friday when I should get all paperwork.

[Camaro3]

Hi Dx,

 

I have received the paperwork from Vanquis (CD of audio recordings in post).

 

I had originally based my figures on the APR on my account, (41.1% APR)

 

but after looking at the terms & conditions (finally sent!) it seems that the ROP is charged at 16.63% APR.

 

I have 2 questions,

 

If they did not charge me interest after September XXXX,

 

can I only claim the actual payments back?

 

And, do I assume I use the lower APR in my spreadsheet calculations?

By the way, they have upped their offer yet again.

[dx100uk]

run the cisheet till end of 16.62% you'll now use

 

take that total

 

pop it in the statint sheet from the day after they stopped interest [one single entry]

 

you are entitled to 8% statint

on the total resulting from their interest charged period till the day they settle

 

StatIntSheet v101.xls

[Camaro3]

Thanks Dx, will do.