Please help - problem with Vanquis card

[hereigo]

Hello,

 

I am really angry right now, and I hope someone can tell me what to do next,

 

I took out a Vanquis card about a year ago to build my credit rating,

 

I have never gone over-limit to my knowledge.

They have just put me over-limit and added a charge.

 

What's worse, they have added charges due to be issued on the 16th (statement date)

but they have added them on the 14th,

putting me over limit again,

even though I will make payment on or before the 16th.

 

A few questions

 

1.What can I do about this, considering I have proof they have added the charges before the statement date?.

The monthly statement balance carried forward is showing the amount with the 16th charges put on

- which will be paid before the 16th!

 

From what I understand this won't show up on my credit file in any way, is this correct?.

 

Thank you,

hereigo

Edited February 15, 2014 by hereigo

[citizenB]

We hear no end of problems with Vanquis Cards and the way they produce their statements.

 

You could try making a complaint to their Head office.

 

I am not sure I understand your reference to your credit file ? As long as you make the payments required by the statement on the due date your file should not be affected.

[dx100uk]

if you've been levied PENALTY charges [£12 fees late/over etc]

 

get them back by reclaiming

 

they are unlawful.

not got ROP too have you?

 

dx

 

dx

[hereigo]

Hello,

 

Thanks for the replies, I will write to the head office, I don't have any of their PPI type protection.

 

The only way I would have gone over-limit in the past,

would be as a result of them receiving my payment,

but not applying it to my account in time.

 

Now if I ran a business, and I say I have to be paid for an invoice by the 16th,

and a customer pays me on the 15th,

I could not then turn around and say I received it but decided not to apply it to the account till the 17th

so therefore you owe me a late charge?.

 

I pay via faster payments,

so one can prove that the funds reached their account.

(Via getting a trace code or whatever it is with the banks).

There must be a legal issue here?

 

If the statement date is the 16th, surely they have to give you to the 16th before applying the charges,

and not decide to add them a few days early?.

And If payment is made, and received by them,

the fact they don't bother to apply it to the account until later should be their problem?.

Why don't these companies just behave fairly, it would be better for their business. :/

 

Regarding the credit file,

I just wanted to check they won't add any information to my file that will harm my credit profile

as a result of these incorrect charges, from what I can tell, it would only be late payments that get listed?.

 

Thanks,

hereigo

[dx100uk]

late payment markers will harm your rating.

 

on the statement will be a payment due date

and also information upon the recommended time it takes

for your payment to reach them.

 

prove vanquis wrong

[AWC]

This doesn't surprise me in the slightest, they are so unprofessional.