Vanquis credit card...have unfortunately become one of their victims

[obiter dictum]

GWG

 

Good Will Gesture

 

Or sod Off Money

[ChrisSpirit58]

Fkofilee:

 

 

Just realised!! GWG = Goodwill gestures!!

 

Fkofilee:

 

Thanks!

 

Yes, that's exactly what they're doing, so obvious.

On each occasion I'd spoken to them, back in July, re. the £33 fake charges, I constantly told them that if they added even £1 fake charge to my account, I'd take legal action.

 

Obiter dictum:

 

 

I'm SO sorry!! Please accept my apologies! I didn't look at the poster's name, which is why I addressed my last post of thanks to Fkofilee.

Thanks very much for your info, re. GWG. You'll no doubt have noticed that I worked out its meaning just a few seconds earlier, hence my post printed one minute after your informative one - "crossed in the mail", as it were!

[fkofilee]

Haha Im working today although I am watching the thread... Glad to hear that youve woken up to your own rights.!

[ChrisSpirit58]

Fkofilee:

 

 

Yes, I'm very aware that I'm in the driving seat, with this company!

 

The latest... relating to the fake charge of £0.96 which I discovered they'd slapped onto my account just a few days ago (which I related in my post of the 1st of this month, above), after I spoke to them about this in no uncertain terms, they did refund a whopping £24.96(!).

However... I today found, to my utter disbelief, another fake charge - this time for £15.76.

I'll be speaking to them about it tomorrow. I wonder how they'll respond.

I'm stunned that a company who carries out this sort of behaviour can be authorised by the relevant financial authority [Financial Services Authority?].

[honeybee13]

It's called the FCA now, Financial Conduct Authority, ChrisSpirit.

 

HB

[ChrisSpirit58]

Honeybee13:

 

Many thanks! I didn't think the FSA was the correct name.

[fkofilee]

What is the £15.96 listed as? Sounds like could be purchase interest?

[ChrisSpirit58]

Fkofilee:

 

No, the £15.96 is not purchase interest. It's not actually listed as a charge, but is there, all the same. I checked it by listing all transactions as of the last statement, including the £24.96 refund, and did the maths. The [very small] purchase interest (less than £7) is listed as such, of course. The balance on my current statement is given, but then the "amount available to spend" is £15.96 more than it should be; ie, looks like they've 'tried it on', hoping I won't notice. But I HAVE noticed.

The evidence therefore shows that something very 'funny' is going on.

 

(I'm not making purchases with this card [other than a couple of very small items], and the minimum monthly payment is currently only in the region of £13, though I pay more than that)

[fkofilee]

Hi Chris

 

Vanquis do make it up ad they go along a lot of them time. They dont explain things clear enough and their systems are well well below that of Captial One for example.

Would it be worth you posting a screenshot up of the transaction? It must be on the statement.

[ChrisSpirit58]

Fkofilee:

 

Thanks for your comment. Yes, you're so right when you say that Capital One are far more organised etc than are Vanquis...

 

However... never let it be said that I don't hold my hands up when I realise I've made a mistake!!!

For I yesterday completely forgot that on the day before I saw the fake £0.96 charge, I'd purchased 3 books totalling £15.76!!!!! The 'mystery' £15.76!

I do have a lot on my mind, due to the fact my partner and I are very busy planning to make a major house move; he and I are extremely stressed, with all the things which need to be done, and it caused me to forget those small purchases!