V A N Q U I S

zebbeddee

I have just had a call from Vanquis asking me for my bank details so that they can validate my details, I applied for a car with them on the 4th January.

They have done a search on my credit file and have said in the phone call today that I will hear from them by letter in the next 2 weeks with a final decision.

Does this sound likely that I will be accepted?

Anadinolin

im one of the guys that has been stung by vanquis's large interest rates, got the card in 08/09 kept up payments until i had an mot fail on the car, having no money to one side, i popped it onto the CC taking the total to approx £700 - then i started struggling for fuel and went up to £800 on it, then i cut the card into little biddy peices and told vanquis i have destroyed the card...started paying back interest with about £25 on top, but it would only knock off £2 of the debt, vanquis then hiked my interest rate up and that was the straw that broke the camels back..im now owing £1700 odd just because of interest alone and struggling to keep up rapidly growing repayments after several requests for an interest freeze...

lesson learnt the hard way _pale_:doh::wall::silenced:

only_mee

Anadinolin wrote: »

im one of the guys that has been stung by vanquis's large interest rates, got the card in 08/09 kept up payments until i had an mot fail on the car, having no money to one side, i popped it onto the CC taking the total to approx £700 - then i started struggling for fuel and went up to £800 on it, then i cut the card into little biddy peices and told vanquis i have destroyed the card...started paying back interest with about £25 on top, but it would only knock off £2 of the debt, vanquis then hiked my interest rate up and that was the straw that broke the camels back..im now owing £1700 odd just because of interest alone and struggling to keep up rapidly growing repayments after several requests for an interest freeze...

lesson learnt the hard way _pale_:doh::wall::silenced:

takes guts to admit to that, but thanks for the warning on how easy it can be done.

sassy_one

How long till I receive my Vanquis card?
I was accepted on Monday :-)

zebbeddee

I got approved today and they said that my card would be with me within 14 days

giblet10

sassy-one wrote: »

How long till I receive my Vanquis card?
I was accepted on Monday :-)

Mine took three weeks (PIN arrived after two weeks) but then my card was an unusual colour - I think if you go for blue or silver they don't take as long..but I'm just going by various thoughts on here..

lindsaygalaxy

For a call, asked to confirm household income
And my job, got told I was excepted, had the ppi speech, turned, got told my interest rate was 39.9% and card would take 14 days:)

sassy_one

zebbeddee wrote: »

I got approved today and they said that my card would be with me within 14 days

Just PM'd you
Hope that was okay!

zebbeddee

sassy-one wrote: »

Just PM'd you
Hope that was okay!

I have PM'd you back xx

k-swiss85

am i ok to cancel the direct debit and just pay the full amount off online every month?