Vanquis Repayment Option Plan

rtcjack

Hi all

I had a letter from Vanquis yesterday detailing that there had been a quality review of my account.

My account has been refunded £950, which has reduced my balance to almost £0. Whilst I'm delighted that this happened, I can't help but feel that all these years I've been paying interest on a balance that should of been smaller?

Any advice on how i can chase/word this to Vanquis?

Thanks

StopIt

The refund would likely be because of the interest, so that's already taken into account.


You've got your account cleared pretty much. Trying for more is just greed.

[Deleted User]

rtcjack wrote: »

Any advice on how i can chase/word this to Vanquis?

A quick note saying thanks should be enough.

rtcjack

Haha. Just wondered.

rtcjack

I don't think its greed. I've suffered for years because of this by the looks.

PeacefulWaters

If you were specific about what the refund is for you might get more suggestions.

As it is, it looks like you've got lucky with £950 and still want to screw them for more.

Most likely any action they've taken will include a reimbursement of charges and interest. But I'm basing that on a regulatory expectation.

Shakin_Steve

rtcjack wrote: »

I don't think its greed. I've suffered for years because of this by the looks.

Did you complain that you were suffering?

bigadaj

rtcjack wrote: »

I don't think its greed. I've suffered for years because of this by the looks.

Ptsd possibly?

Nadila

Hi I apply for a vanquis card and been accepted now I'm waiting for the card and pin from post. I have to call to activate it and they will was for the password but honestly I don't remember it.
I'm a bit worried about that😯

Jasethebase

Ive had something very similar..theyer sending these letters out because they know they have screwed up ..like ppi with banks.vanquis are hoping by sending out these apoligy letters and we have knocked some money off your debt letters that you dont take it any further....notice they never got intouch when it was around 2000 pound debt.

[Deleted User]

Jasethebase wrote: »

vanquis are hoping by sending out these apoligy letters and we have knocked some money off your debt letters that you dont take it any further

I'm not sure how much further you think you would be able to take it.