Credit card question

sophiak

I think a lot of peoples finances will be effected for years I am not a minority here.

sophiak

This is what Vanquis sent to me in reply to my CCA request could someone please tell me if

PROLIANT

poppy_f1 wrote: »

you applied for the card, spent the money so why not pay it back

Here, Here!

sophiak

I have not stated anywhere that I have no intention of paying, maybe a few of you should get your facts correct before you dish out your #### comments,


Thank-you.

YorkshireBoy

sophiak wrote: »

I have not stated anywhere that I have no intention of paying, maybe a few of you should get your facts correct before you dish out your #### comments,


Thank-you.

Could I ask then, why you've made the request for the CCA, and presumably paid them £1 to get it? And why you also mention enforceability in your OP?

After all, by your own admission you remember signing the agreement online.

robnye

sophiak wrote: »

Thanks moggles but about my credit rating I think as things stand today almost everyone's credit rating has/will/is taking a hammering.

nope mines fine...... :cool: and improving by the day

sophiak

I made the request because they have charged me several amounts of £12's. I was charged twice £12 , even though I paid my end of month payment on time. They have been charging me ppi ever since I opened the account, I have rang , written, e-mailed asking them to remove this but no luck they keep adding and charging. I have only paid late on 3 occasions, hardly a hanging offense.
So after all this crap that I have been going through with them I decided to CCA them. I have tried several times to come to some sort of agreement but they are being total #####. I have proof of all letters trying to come to some sort negotiation with them. That's why I wanted to see my CCA to see what it contains.

I hope this explains my situation a bit more clearer to those who judge before they know the proper facts.

Thank-you

sophiak

good for you , maybe not everyone is the same?

PROLIANT

sophiak wrote: »

I have not stated anywhere that I have no intention of paying, maybe a few of you should get your facts correct before you dish out your #### comments,


Thank-you.

Ok, I must apologies for being judgmental without any facts.
So, can you explain your intensions for the benefit of everybody reading this thread please?

YorkshireBoy

sophiak wrote: »

I made the request because they have charged me several amounts of £12's.

Getting a signed copy of your credit agreement isn't going to help you there is it?

I was charged twice £12 , even though I paid my end of month payment on time.

Very strange...if true?

They have been charging me ppi ever since I opened the account, I have rang , written, e-mailed asking them to remove this but no luck they keep adding and charging.

Ever thought of making a formal complaint? Details on their website.

I have only paid late on 3 occasions, hardly a hanging offense.

Whilst I agree they can't hang you for it, you've only had the account since September last year. Assuming your first statement was produced a month later you've only had 4 payments to make. And so far you've managed to pay 3 of them late. Not exactly a good ratio is it?

So after all this crap that I have been going through with them I decided to CCA them.

Why? How is that going to help you?

I hope this explains my situation a bit more clearer...

I'm sorry, but I'm still struggling to see how CCA'ing them is going to help?