Vanquis Unethical Untrustworthy Credit Card

John_Bains

Avoid getting any credit card from Vanquis. My experience is they are unethical and do not care about UK credit regulations. I have had nothing but un substainated charges applied to the card up to £1000. They claimed mistakes and errors and keep saying they will refund but instead keep adding charges. I had to make one claim when I paid a deposit for flights to Spain but the agency I paid to went bust, ATOL advised me Vanquis should refund the costs. I applied to Vanquis who said they would freeze interest and charges. Instead they charged double interest for going over limit + fixed charge of £51 for going over limit and then claim they did not receive my application for a refund and say it is too late to dispute it now even though the transaction is less then 30 Days old. The staff on the phone have been extremely rude, they keep you holding on and pass you department to department at premium rate calls. It has cost me another £100 just trying to talk to them. I have raised a complaint with financial regulatory body and provided details of my case. I would avoid them at all cost.

Drp8713

Vanquis are a bit scummy granted. I always pay in full by debit card as i dont trust them to take the direct debit.

But they give a card to pretty much anybody and are a credit builder. Spend £10-50 a month and pay it off in full at the end of each month.

If you make big purchases and actually use the card to borrow of course you are going to be in trouble very quickly. My APR is 59.9% i wouldnt even borrow a fiver from them.

chattychappy

Seems like the OP has some experience of these situations:

Debenhams/B&Q (Incorrect Reporting on my credit file)
https://forums.moneysavingexpert.com/discussion/4329951

MBNA (Greedy being banks supported by FOS)
https://forums.moneysavingexpert.com/discussion/2654363

Barclays (Unethical Lenders dont care about the law)
https://forums.moneysavingexpert.com/discussion/223678

BMW finance (BMW Finance Scam)
https://forums.moneysavingexpert.com/discussion/167721

Posts once in the thread and doesn't return.

OP perhaps you can update us about how you got on with your previous troubles?

greenorange

I was walking through my local town yesterday and there was two Vanquis stalls, with men trying to sell Vanquis cards to people walking by.

:P

You-kip

greenorange wrote: »

I was walking through my local town yesterday and there was two Vanquis stalls, with men trying to sell Vanquis cards to people walking by.

:P

Strange why people would pay for one when online you get the card free.

greenorange

You-kip wrote: »

Strange why people would pay for one when online you get the card free.

Selling a product doesn't always mean an upfront cost, You-kip.