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  • xmrbrightside89
    xmrbrightside89 Posts: 64 Forumite
    edited 11 June 2011 at 10:07AM
    I received the card just today! now i have to wait for my chip and pin... what I'm a bit confused is.. the guy on the phone said I got £500 limit.. but on the letter it says £250 (which to be honest is the limit that I've asked for during the online application)... mm weird

    also the guy on the phone said he set up a direct debit (minimum amount) which I want to cancel as I want to pay in full, but it doesn't show it on evanquis... is there a way to know if he really did it or not?
  • also the guy on the phone said he set up a direct debit (minimum amount) which I want to cancel as I want to pay in full, but it doesn't show it on evanquis... is there a way to know if he really did it or not?

    My current account provider allow you to check what Direct Debits are setup on the online portal, I have two from Vanquis but don't use either (paying in full) Also they sent me a letter this week saying that my DD ref number is changing.. Oh well.

    I really need to know something about this account and I really hope someone can help,

    ACCOUNT BALANCE
    Balance carried forward £1**.**
    Credits to your account £2**.**
    Debits to your account £1**.**
    Current balance £0.00

    YOUR NEXT STATEMENT
    Next statement date 22 Jun 11
    Payment due date 17 Jun 11
    Minimum payment £0.00
    Last payment date 05 Jun 11
    Last payment amount £**.**

    If I start spending on the card now, will I have to pay off before 17th June in order to avoid charges?

    Many Thanks
  • ASL
    ASL Posts: 109 Forumite
    edited 16 June 2011 at 7:50AM
    itsMickle wrote: »
    My current account provider allow you to check what Direct Debits are setup on the online portal, I have two from Vanquis but don't use either (paying in full) Also they sent me a letter this week saying that my DD ref number is changing.. Oh well.

    I really need to know something about this account and I really hope someone can help,

    ACCOUNT BALANCE
    Balance carried forward £1**.**
    Credits to your account £2**.**
    Debits to your account £1**.**
    Current balance £0.00

    YOUR NEXT STATEMENT
    Next statement date 22 Jun 11
    Payment due date 17 Jun 11
    Minimum payment £0.00
    Last payment date 05 Jun 11
    Last payment amount £**.**

    If I start spending on the card now, will I have to pay off before 17th June in order to avoid charges?

    Many Thanks

    Your balance today is £0 yes. If you start spending now. You won't have to pay untill after your statement on the 22nd June. Your due date will be around the 16th July ? for what you spend today.
  • My balance today is indeed £0

    Thank you kindly good Sir, I can now go out tonight without fret :D
  • giblet10
    giblet10 Posts: 494 Forumite
    I received the card just today! now i have to wait for my chip and pin... what I'm a bit confused is.. the guy on the phone said I got £500 limit.. but on the letter it says £250 (which to be honest is the limit that I've asked for during the online application)... mm weird

    Paranoia over - my card arrived today too - £500 limit, 39% purchases, 49% cash advance - but I'll be paying off in full anyway.

    Interestingly they sent me a burgundy coloured one (looks quite good) so maybe why it took two weeks to receive.

    PIN number changed and ready to spend!
    Never argue with an idiot. Especially not this idiot because I'm always right anyway.
  • kilasuit
    kilasuit Posts: 645 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    in the new score of how vanquis manage to make mistakes

    Evanquis shows a DD payment on the 13th of £99

    Bank shows no record of so called DD being taken

    I now owe less cos of this mistake
  • SnowTiger
    SnowTiger Posts: 4,461 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    kilasuit wrote: »
    in the new score of how vanquis manage to make mistakes

    Evanquis shows a DD payment on the 13th of £99

    Bank shows no record of so called DD being taken

    I now owe less cos of this mistake

    I hope you haven't spent the money because I'm not sure it is a mistake.

    Another company I have a direct debit set up with credits my account on the day they request payment from my bank, but it takes a few days to go through the system and the money isn't taken from my bank account immediately.
  • kilasuit
    kilasuit Posts: 645 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    SnowTiger wrote: »
    I hope you haven't spent the money because I'm not sure it is a mistake.

    Another company I have a direct debit set up with credits my account on the day they request payment from my bank, but it takes a few days to go through the system and the money isn't taken from my bank account immediately.
    nope seperate Bank account for DD's that has more than the minimum that will go out in there.

    Plus With my bank i can tell when DD's are going out next working Day.
  • Guys, do you know once I pay off the balance each month (for example 500£).. can I spend again 500£ on the card right away? or do I have to wait 5 days until it clears? I still don't know how it works lol

    btw, they sold me CCP, and the thing to freeze the account in case I loose job.. definetely gonna cancel both!
  • vintagegirl
    vintagegirl Posts: 769 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    kilasuit wrote: »
    in the new score of how vanquis manage to make mistakes

    Evanquis shows a DD payment on the 13th of £99

    Bank shows no record of so called DD being taken

    I now owe less cos of this mistake

    mine is also doing this. my evanquis is saying a dd of £13 yesterday and my bank shows nothing of this. it has never done ths before
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