Vanquis Repayment option Plan - ROP - can this be claimed back

[letsgetitsorted]

Hi All

I had a Vanquis Credit Card and every month statements came in with different amounts each month for Repayment Option Plan.

i had queried this with them and they say i agreed to it when i recieved their welcome to Vanquis phone call.

 

after disputes and excess charges etc being applied t the account, i asked for the credit agreement and they sent the newer Ts & Cs

but not the agreement, later i sent a SAR and received pretty much all the info apart from the call recordings, i pushed for these and only got 2 no other calls and more importantly the welcome phone call was not there.

 

anyway the debt is now with Cabot, but i am looking to claim all charges and the ROP back as well.

1) is this possible

2) how is the best way to do it.

 

many thanks in advance

[dx100uk]

yes it can be reclaimed as PPI.

 

they cant just rely on your supposedly agreeing to it on the phone.

nor that you knew about it either

so must have wanted it.

 

usually they state you just cant reclaim it as its not PPI.

 

funny they are using another excuse with you.

 

dx

[AceDaz69]

How do you go about claiming it? Send them a ppi claim? I tried and they said they never received the form and during a SAR they said that it wasn't PPI so I couldn't claim it.

 

yes it can be reclaimed as PPI.

 

they cant just rely on your supposedly agreeing to it on the phone.

nor that you knew about it either

so must have wanted it.

 

usually they state you just cant reclaim it as its not PPI.

 

funny they are using another excuse with you.

 

dx

[dx100uk]

yes it is PPI

 

 

several threads here about ROP.

 

 

if they are you agreed to it

 

 

you MUST demand the transcript or recording of the call under an sar

 

 

dx

[letsgetitsorted]

Hi All

Here is my list of fees and charges that I have had imposed on my from Vanquis.

there has also been a few interest rate rises without any notice, including a rise whilst the account was in dispute.

which of these would I be able to put a claim in for....

 

many thanks for taking the time to look and you wise words are welcome

 

cheers

Lets

[naaye31]

Hiya.

 

Could someone please explain how I can I claim PPI from vanquis. My payments don't seem to be budging the babalance. Payment protection insurance is on there too which I don't think I agreed to

[dx100uk]

Hiya.

 

Could someone please explain how I can I claim PPI from vanquis. My payments don't seem to be budging the babalance. Payment protection insurance is on there too which I don't think I agreed to

 

 

might be an idea to start a new thread

 

 

of your own

 

 

dx