Vanquis

sgh1976

Raised my Statement on the 3rd November. Min Payment due 28th Nov.
I paid the min balance and a bit more on the 4th November, via bank transfer. So it would take a day or 2 to get it. Just had a call saying my payment hadn't been received for November. They had put the money I sent through onto the previous months balance!!

How easy is it to do a balance transfer from Vanquis? Not happy I am going to get a mark on my credit file for this at all.

cifpower

Very easy. I wait until my statement arrives in the post, do a bank transfer and it is credited the next day. Simples.

doelani

sgh1976 wrote: »

Raised my Statement on the 3rd November. Min Payment due 28th Nov.

Not sure how this happened, I telephone for my statement amount day after it is created and pay it that day by bank transfer and never had an issue.

If this is a fault on their part can they not rectify it ?

When you say " raised your statement" do you recieved?


As for the balance transfer, I take it you mean to another card, not that easy as Vanquis do not allow you to transfer the balance and it is just luck if your new card can do it.

sgh1976

doelani wrote: »

Not sure how this happened, I telephone for my statement amount day after it is created and pay it that day by bank transfer and never had an issue.

If this is a fault on their part can they not rectify it ?

When you say " raised your statement" do you recieved?


.

Like you, I phone up when I know the statement is due. Got told the min payment and when it was due (28th Nov). Next day paid that and a bit more via online banking., Card sorted for the month or not.

Woman on the phone claimed it was a cross-over......never happened before. They have removed the late charge and I had to pay the min fee again but I will still get a mark on my file. Which I will now have to fight to get it removed if I can at all.

doelani

sgh1976 wrote: »

Like you, I phone up when I know the statement is due. Got told the min payment and when it was due (28th Nov). Next day paid that and a bit more via online banking., Card sorted for the month or not.

Woman on the phone claimed it was a cross-over......never happened before. They have removed the late charge and I had to pay the min fee again but I will still get a mark on my file. Which I will now have to fight to get it removed if I can at all.

thanks , will have to be more careful in future, will maybe wait a few days after satement before paying.

thanks