Credit Card charges Reclaim - Vanquis C/C

Ruby1963

Hi,

Advice please, I sent the template letter from this site to reclaim charges on a Vanquis Credit Card I had a few years ago.

I have received the following response along with the £10.00 postal order I sent:

I refer to your correspondence regarding a list of all default charges that have been applied to your account.

Please be advised that your account is a 'No Hidden Charges' product and therefore no default charges would have been applied to your account.

If you require further clarification, please do not hesitate to contact me on telephone number 0845 130 7088 between 9.00am and 5.30pm Monday to Friday. Telephone calls may be monitored and all calls will be recorded for the purpost of quality control, training and/or fraud prevention. Alternatively, you may wish to write to me at the above address, ensuring that your reference number is quoted on all correspondence.

In the event that you remain dissatisfied, you are entitled to contact the Financila Ombudsman Service who will review your case. In order for this to happen you must refer the matter within six months from the date of this letter.

I know that charges where applied to this account as it was passed to a DCA and the amount was £1900 (the credit limit was £800.00). Could someone please advise what the next action should be to recover the charges.

Regards

Ruby1963

Innocent_Guy

Please post here http://forums.moneysavingexpert.com/forumdisplay.html?f=102

Innocent_Guy

Mod any chance of moving this so the OP will get so more responces

thriftymomma

Ruby1963 wrote: »

Hi,

Advice please, I sent the template letter from this site to reclaim charges on a Vanquis Credit Card I had a few years ago.

I have received the following response along with the £10.00 postal order I sent:

I refer to your correspondence regarding a list of all default charges that have been applied to your account.

Please be advised that your account is a 'No Hidden Charges' product and therefore no default charges would have been applied to your account.

If you require further clarification, please do not hesitate to contact me on telephone number 0845 130 7088 between 9.00am and 5.30pm Monday to Friday. Telephone calls may be monitored and all calls will be recorded for the purpost of quality control, training and/or fraud prevention. Alternatively, you may wish to write to me at the above address, ensuring that your reference number is quoted on all correspondence.

In the event that you remain dissatisfied, you are entitled to contact the Financila Ombudsman Service who will review your case. In order for this to happen you must refer the matter within six months from the date of this letter.

I know that charges where applied to this account as it was passed to a DCA and the amount was £1900 (the credit limit was £800.00). Could someone please advise what the next action should be to recover the charges.

Regards

Ruby1963

Do you no longer have your statements? Have you called the number given on the letter? Good luck.