The Sub Prime Credit Thread - Part IV

kilasuit

Zack1 wrote: »

Ouch, sorry about the 15k pay cut man! I don't earn yet but that must be hard! Good you're debt free though

Oh I got some letter earlier from Provident Financial or whatever they are, offering me £50 to £500 quid.... as much as I'd like to grab it just for the hell of it, I'm assuming they charge some stupidly high rate so binned it - how can they just write to me like that though!? Are they tied in with Aqua or someone? I've never applied for a loan because I have the things!

if you have ever applied to vanquis then that wheree your details have come from as they are the same parent company

Zack1

never-in-doubt wrote: »

Avoid like the plague - doorstep lending mate - http://www.providentpersonalcredit.com/wc/ :eek:

apr is astonishing :eek: :eek:

Ah thanks, that's mental no way I'd pay that even if I needed it! The worst thing was what my mate picked up, she realised it wasn't true, but it was a "cheque" to me for £500. Her first thought was that it was real, then I said it was from those lot and she realised it was fake - but surely that type of thing is unfair marketing!? It's like what you could have.... but they don't tell you the stupid APR! :mad:

kilasuit wrote: »

if you have ever applied to vanquis then that wheree your details have come from as they are the same parent company

Thanks, just seen the Vanquis Bank bit on their page, yea I applied there a while back.

I actually thought it might be a credit card at first then realised I had no pending apps so unless it was my pending debit card it wasn't - would've been well annoyed if that had turned up just before Aqua!

Wow http://www.providentpersonalcredit.com/Documents/World%20Cup%20Hamper%20Brochure.pdf - I'd be surprised if that's worth anywhere near £75!!!

selecta_c

After 6 months of putting it off i finally realised today that my relationship with Vanquis had run its course.
I owe nothing on the card and i have paid my statement off in full for about the last 7 months so there is no trailing interest owed.I rang Vanquis this morning to close my account and was informed that i could not do this until i had received my next statement showing a nil balance :mad:

Has anybody had any experience of this or are Vanquis taking me for a muppet?

BugsyBrowne

selecta_c wrote: »

After 6 months of putting it off i finally realised today that my relationship with Vanquis had run its course.
I owe nothing on the card and i have paid my statement off in full for about the last 7 months so there is no trailing interest owed.I rang Vanquis this morning to close my account and was informed that i could not do this until i had received my next statement showing a nil balance :mad:

Has anybody had any experience of this or are Vanquis taking me for a muppet?

Yeah i had the same thing in march when i cancelled mine,its nothing to worry about,they are not taking you as a muppet either,when the statement arrive keep it safe as then you know you have a zero balance on the account....

selecta_c

star-fire wrote: »

Yeah i had the same thing in march when i cancelled mine,its nothing to worry about,they are not taking you as a muppet either,when the statement arrive keep it safe as then you know you have a zero balance on the account....

So let me get this straight,when i receive my nil balance statement i can then phone and cancel my account?

usedandabused

capital one incread me to £400 on third statement, i will so need it, jobs letting me go and i gave 1200 to my on/off OH:mad:

usedandabused

selecta_c wrote: »

So let me get this straight,when i receive my nil balance statement i can then phone and cancel my account?

vanquis are the muppets, their staff are thick, not very perceptive or well trained, they have conned me out of around £50 in late defaults even though i've made payment on time and they have reported my account as having late payments, i did write a letter but they did !!!! all, really need some advice about these cowboys!

BugsyBrowne

selecta_c wrote: »

So let me get this straight,when i receive my nil balance statement i can then phone and cancel my account?

yeah i phoned them cancelled it,waited until my next statement as there was about £3 interest on the that month,then payed that straight away 2 weeks later got a letter through the post along with the statement and a cheque for £1.33 and that was it finished....

selecta_c

star-fire wrote: »

yeah i phoned them cancelled it,waited until my next statement as there was about £3 interest on the that month,then payed that straight away 2 weeks later got a letter through the post along with the statement and a cheque for £1.33 and that was it finished....

Thanks,now that i've finally decided to get shot of Vanquis i just want it done and dusted.

Innocent_Guy

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