Vanquis Subject to access request

debtfreein2008

I have a dispute with Vanquis & made an SAR request using a template. I also paid £10. Today I received their reply which consisted of 2.5 pages, 1 a list of dates with my card balance starting from the beginning of my agreement to the end. 1.5 pages of transactions, fees and charges - thats it! I expected to receive copies of correspondence etc. They also state if i want a copy of the original agreement thats another £1! £10 for 2.5 pages and a cover letter seems excessive!

Is this all they legally need to send? I requested copies of all information held on me. Not sure what to do now?

Any advice?

Thank you.

CKhalvashi

Re-requesting the info in a complaint (stating it's been paid for already) would be my advice.

debtfreein2008

An update on this after lots of wasted weeks! So I followed the advice and wrote Vanquis another letter sent recorded, asking for the rest of the info, they ignored! So I contacted the ICO & waited 30 days and they then wrote to Vanquis and gave the 14 days, deadline today and I've just received some statements, copies of my recent letter & a 'goodwill' cheque for £10! However they state that due to the historic nature of my account they have no copies of any other correspondence or phone transcripts- conveniently.

So what now?? Can I pick this any further? Are they lying??

Any help/advice much appreciated x

grumbler

Well, they have no legal obligations to keep all the correspondence and especially records of phone calls.

debtfreein2008

Oh really? So they don't have to keep letters I wrote asking them to stop monthly over limit charges and interest whilst I recovered from a nervous breakdown? Basically I was £30 over my limit, I made a payment but a day late, honestly it was not a good time. They applied my payment then interest, over limit fee and late payment so then I tried again and on time & still I was over the limit! So I asked for just 3 months to get back on track and they refused so I stopped paying. Wrong I know but that's where my head was at. They issued a default and I wrote to them and offered £250 in full and final which they accepted, the defaults remains until next summer. But I want to challenge the default because all of the overlimit amount was fees/interest and charges & just 2-3 months of help would've avoided this. In the end there was over £200 in fees etc.

debtfreein2008

Sorry point I'm making is without evidence I can't prove I tried ask for help but obviously I did.

glentoran99

whether you got help or not you would still get a default if you weren't paying contractual payments

grumbler

debtfreein2008 wrote: »

Oh really? So they don't have to keep letters I wrote asking them to stop monthly over limit charges and interest whilst I recovered from a nervous breakdown?

Well, it's more in your interests to keep the copies than in theirs.
And for how long are they supposed to keep them? How 'historic' was "nature of account"?

...I want to challenge the default because all of the overlimit amount was fees/interest and charges & just 2-3 months of help would've avoided this. In the end there was over £200 in fees etc.

As said above, you can challenge the fees, but not the default.

debtfreein2008

Thanks for replies. I want to challenge the default on the basis that of they'd given me 3 or even 2 months grace- no fees but me making payments, this would've allowed me to bring the account sufficiently below the credit limit to avoid more fees and thus avoiding the default.

By historic this happened in 2011 and I paid the default 3 weeks later.

Thanks

debtfreein2008

Ps I was paying the payments but I stopped because I wasn't working and I was struggling to keep up and every month rather than the balance going down it was going up n up!

rtho782

Did you default? This is a question of strict liability, and as you did not meet all your payments as required in the contract you signed, the answer is yes.

Therefore, regardless of what letters you wrote them, the default is accurate and will stay on your credit file until it is 6 years old - next year.

Being as it is 5 years ago and you paid the default, it seems quite reasonable that they have now disposed of the correspondence, you are not a customer anymore.

Do you have every letter anyone ever sent to you 5 years ago?