help re vanquis

vintagegirl

hi there, looking for a bit of help re my vanquis card.

I am paying it off at £60 a month, it hasnt been used for a long time and last month i had lost it so i got a new one.

the way i pay it off is to transfer through internet banking and have the card number as a reference.
However i forgot to change the reference, and my payment of £60 left my bank on 01/09 however it didnt show up on Vanquis until the 04/09.

Then is shows as a payment reversal.
this was still on the 4th. It still isnt back in my bank account and theyre closed to speak to someone.Any advice??
will i get a charge for this?
it has meant im still over my limit.

I have now changed the reference for the next payment

john1002

I would speak to them monday and explain your error and hope they do not slap a overlimit charge on your account, it should be noted if they do they are well within there rights as you should have ensured the correct reference, easy to forget I know but in the end it is your error and vanquis are known from other posts to be not so lenient.

Good luck and well done on making the change for new payment.

john

disabled_NCIS_fan

Hi there,
This happened to my mum too and she pays via internet banking but she had all her correct numbers etc. On 4th it showed on her account as a payment reversal. Vanquis said her bank had asked for it back. Her bank then said they hadn't and it had been taken out of her bank account. After several phone calls with Vanquis she then rang her bank again who gave her the details of the payment with the faster payment number (really big long number). She then rang Vanquis back and after saying that she had this number and the details and could give them to them, lo and behold they admitted to her that there was an issue with them updating their system. Amazingly enough she got a text today saying its on their system.