Vanquis credit card charges, advice needed!!

flopper7uk

Hi all,

Just wondering if it is worth trying to reclaim charges from my vanquis credit card . The charges would probably all be £12 ones over the last 3 years or so. Has anyone had any success lately with Vanquis? Had a look around the site and cant really find much up-to-date reclaiming attempts or successes (could just be me being stupid lol)

Thanks

gmsd

I reclaimed all my charges from Vanquis, just send the template letter from here, I claimed the interest as well, no problem

cerica72

gmsd wrote: »

I reclaimed all my charges from Vanquis, just send the template letter from here, I claimed the interest as well, no problem

Hi GMSD

Have you heard anything back from Vanquis as yet?? I paid them off last year as I fell into debt with it and it was send to cabot financial. I also used the template letter on here, any info greatly appreciated.:D

samtoby

I am going to do Vanquish next as I had two cards with them over the last six years, I have just sent out the letters to Barclaycard and MBNA - Samantha

samtoby

gmsd wrote: »

I reclaimed all my charges from Vanquis, just send the template letter from here, I claimed the interest as well, no problem

Can I ask - did you have to pay the standard £10 fee?

cerica72

samtoby wrote: »

Can I ask - did you have to pay the standard £10 fee?

Hi samtoby

I received a letter back from vanquis today after the 1st template letter i sent on monday asking for all default charges & any ppi on my account, and they returned my cheque of £10.00 stating they do not charge £10.00 for the information I require.

Hope this helps, and good luck.

bobileeds

can anyone help me.

I have been away for the past year traveling and had a vanquis card. I set up a DD and payments came out over the past 12 months. I just got back and when i left i had used my card up it limit of £250 after 12 months of paying my outstanding balance is £570 and credit limit £250. I spoke to them today and they said i went over my limit with interest and they have been charging me charge after charge each month plus taking my DD every month.

please help and advise on what is best to do. I have paid them by DD over the past 12 months nearly £400 and then still want another £270 to bring me under my limit.

Do i have a leg to stand on to get this money back

samtoby

bobileeds wrote: »

can anyone help me.

I have been away for the past year traveling and had a vanquis card. I set up a DD and payments came out over the past 12 months. I just got back and when i left i had used my card up it limit of £250 after 12 months of paying my outstanding balance is £570 and credit limit £250. I spoke to them today and they said i went over my limit with interest and they have been charging me charge after charge each month plus taking my DD every month.

please help and advise on what is best to do. I have paid them by DD over the past 12 months nearly £400 and then still want another £270 to bring me under my limit.

Do i have a leg to stand on to get this money back

I can not see why its not worth an attempt. But I have done this with MBNA and they advised my account will be closed. So I paid off the last bit and now I am going for it. Nothing to loose....see note above from another user who stated they did not have to pay the £10 SAR Fee. :jSamantha

cerica72

Hi All

Just to let you know I've had a response from Vanquis preparing to offer me £90.00 for all default charges on my account, but they have not mentioned anything about the PPI on my account, which I am sure I mentioned about in the letter.

Any advice URGENTLY?????

samtoby

cerica72 wrote: »

Hi All

Just to let you know I've had a response from Vanquis preparing to offer me £90.00 for all default charges on my account, but they have not mentioned anything about the PPI on my account, which I am sure I mentioned about in the letter.

Any advice URGENTLY?????

Have they told you how much the charges actuallu are....PPI I do not know much about, but I guess you write back with whether you accept or decline and request what is happening with the PPI?:j

cerica72

samtoby wrote: »

Have they told you how much the charges actuallu are....PPI I do not know much about, but I guess you write back with whether you accept or decline and request what is happening with the PPI?:j

Thanks sam x

I only asked what my default charges and not the PPI, so have requested the original credit agreement.