vanquis ROP refund

lovemydog11

hello. Not sure if I'm on the right board but does anyone know the deadline for hearing about a rop refund from vanquis?
I know I had a card approx 7-8 years ago with rop on it but am not sure if I am due a refund on it? I have made sure they have my correct contact details as I married & moved since I had the card.
For info I maxed out the card over a few years & eventually it was passed to capquest but I repaid them in full
Should i contact them ?

[Deleted User]

lovemydog11 wrote: »

am not sure if I am due a refund on it?

No one is "due" any refund.

You need to have a valid mis-selling complaint and if you do then you are at liberty to send it to them.

However, your mention of a Debt Collection Agency suggests that this account defaulted and was sold on so any PPI redress would be offset against monies written off as part of that default.

lovemydog11

thank you for your reply....

sorry I meant the refund of the rop interest not the rop itself. There's an article on this site about it & the vanquis website said you do not need to apply for it.

Also as soon as the account was passed to capquest I paid it in full due to a well timed PPI pay out!!

[Deleted User]

lovemydog11 wrote: »

Also as soon as the account was passed to capquest I paid it in full due to a well timed PPI pay out!!

By the time it was sold on, your debt would already have long since had interest and charges written off...

lovemydog11 wrote: »

t I meant the refund of the rop interest not the rop itself. There's an article on this site about it & the vanquis website said you do not need to apply for it.

You can contact Vanquis, but I doubt you'll be getting anything if you have yet to hear anything..