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I am starting a new thread with a case that I had hidden under the wood work with Vanquis. I thought I would ask Niddy before starting it and he has given me the thumbs up.
Present situation is that I am not been chased by Vanquis or any DCA at the minute and I am lying low at the moment.
My case with Vanquis is a bit similar to the one I have on going with HSBC.......got in to some genuine financial difficulties and offered to pay in installments but offers repeatedly refused by them. I complained to the FOS and then I stopped [must try and remember why and will post up reason later].
I thought fuckity fuckity what the hell is going on and then I stopped all communications as I was not getting anywhere and I rolled over put my head under the duvet and went back to sleep.
Vanquis have registered a default on my credit file which was to be expected. I did a CCA request and was sent an application form because I applied online and had to tick the box. Vanquis have admitted in writing that they do not have the hard copy of my agreement so sent me a few pages of terms & conditions and an application form.
They also issued me with a Default Notice which I believe is defective and will see what Niddy has to advise. PPI was also added to my account even though I did not request this. There are approx £200 worth of charges and I have yet to add the PPI payments up.
Even though the debt is not sky high but still is a pain in my side which I would like to try and sort out once and for all. Vanquis did offer to refund me charges of approx £40 or £50 which I did not accept as I wanted them to refund the PPI payments I had been making but they refused.
I sometimes wonder why things turn out the way they do. My conclusion is that creditors and banks should advise customers and put it in writing "SHOULD YOU EVER GET IN TO ANY FINANCIAL DIFFICULTY IN FUTURE DO NOT EXPECT US TO ACT SYMPATHETICALLY TOWARDS YOU AND BE ADVISED THAT WE WILL NEVER ACCEPT ANY LOWER PAYMENT ON YOU ACCOUNT"
I bet if they did write something along those lines on peoples agreements then no one would take out any type of card.
So, there you have it. Hopefully others & Niddy will be able to see if I should leave things as they are or poke Vanquis with a few questions
Present situation is that I am not been chased by Vanquis or any DCA at the minute and I am lying low at the moment.
My case with Vanquis is a bit similar to the one I have on going with HSBC.......got in to some genuine financial difficulties and offered to pay in installments but offers repeatedly refused by them. I complained to the FOS and then I stopped [must try and remember why and will post up reason later].
I thought fuckity fuckity what the hell is going on and then I stopped all communications as I was not getting anywhere and I rolled over put my head under the duvet and went back to sleep.
Vanquis have registered a default on my credit file which was to be expected. I did a CCA request and was sent an application form because I applied online and had to tick the box. Vanquis have admitted in writing that they do not have the hard copy of my agreement so sent me a few pages of terms & conditions and an application form.
They also issued me with a Default Notice which I believe is defective and will see what Niddy has to advise. PPI was also added to my account even though I did not request this. There are approx £200 worth of charges and I have yet to add the PPI payments up.
Even though the debt is not sky high but still is a pain in my side which I would like to try and sort out once and for all. Vanquis did offer to refund me charges of approx £40 or £50 which I did not accept as I wanted them to refund the PPI payments I had been making but they refused.
I sometimes wonder why things turn out the way they do. My conclusion is that creditors and banks should advise customers and put it in writing "SHOULD YOU EVER GET IN TO ANY FINANCIAL DIFFICULTY IN FUTURE DO NOT EXPECT US TO ACT SYMPATHETICALLY TOWARDS YOU AND BE ADVISED THAT WE WILL NEVER ACCEPT ANY LOWER PAYMENT ON YOU ACCOUNT"
I bet if they did write something along those lines on peoples agreements then no one would take out any type of card.
So, there you have it. Hopefully others & Niddy will be able to see if I should leave things as they are or poke Vanquis with a few questions
you and me both eh?! 
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