Vanquis Defaults

debtfreein2008

I have a small settled default from May 2011 which I settled 20 days after it happened. I have one other default which drops off next month and so I decided to write to Vanquis and plead my case to have this removed early as a goodwill gesture, ( I was ill at the time and paid off v quickly).

I haven't received a reply and I sent recorded so decided to chase and just got given run around on phone. They said they don't have access to my account anymore?? Then they said they haven't received letter and so I said I have proof of delivery and so they said they haven't opened the post from December!

I know they're under no obligation at all to remove the default but, I have nothing to lose except time and the cost of postage! Is it true they they don't have access to the account anymore?

Should I just write off to experience, or chase again in a week?

Thanks

onthefencepost

This is a interesting thread, i too have a default with Vanquis which if they can remove my default im willing to pay, my others come off next year naturally as the 6 year time period is up.

PaulW922

Vanquis are terrible at replying to letters. I recently ended up taking them to court (small claims) and the first response I received was when the claim turned up at their office. You normally get 30 days (I believe) to settle a default. It is stated on the notice itself. They should also warn you in advance. So if it is only 20 days between notice and payment you may have a case..

debtfreein2008

Thats interesting - my file says date of default: 31/05/2011 and date of satisfaction 20/06/11. But I thought you could only have a CCJ wiped within 30 days? I cant find any info on the same rule for defaults? Can anyone point me the right way? xx

Mummyto4kids

Its a default warning letter I believe which gives you 28 days to settle the debt before the default is issued. Once its issued its really unlikely that a lender will remove it because its accurate data and they will tell you that they are obliged to report accurately to the CRA. You can ask them to on the basis that you paid it as soon as you realised you had it but they may argue it. They should keep the account records though because I think theyre obliged to.

debtfreein2008

I'm going to try an SAR because I want to remind myself of the background and see if I have means to fight via another route. Eg defaults can not solely be made up of charges and fees - I have a feeling that most, maybe all of the amount was this!

Thx