Vanquis ROP

[emmalily]

A few months ago I was delving deeply into my finances and noticed that I had ROP added to my Vanquis account.

 

As with other people I didn’t know that I had this on my account,

but after speaking to Vanquis over the phone I have done so since June 2012, so nearly 4 years

and apparently agreed to this. (must have cost me at least £2000 just in the ROP never mind interest.

 

I sent them a SAR requesting all correspondence and sent my £10 cheque in.

They rang me soon after to tell me that I could just have a copy of the recording for free.

So I haven't got all paperwork.

 

I have just listened to the recording which is of them ringing me to offer me this garbage.

The call is 9 minutes long. I refused the ROP twice during the phone call and after a last ditch attempt the sales person offered it to me for 1p for 3 months and I finally said yes just to get her off the phone.

 

Obviously I forgot to cancel and only just realised I was paying it.

I have life cover that would cover me in the event of unemployment, sickness etc,

which I did say in the call so I don’t this ROP.

 

Do I have a leg to stand on or do I have to accept being robbed of over £2000 for nothing in return?

[dx100uk]

so it was an advised sale

did they on the phonecall

go thru all the T&C's?

 

 

ROP is notoriously difficult to reclaim

they are monsters and need their wings clipped by the FOS badly.

 

 

they say that 99% of people agreed to it over the phone

but then say it was a non adivised sale

but clearly yours was not!!

 

 

dx