Jumper v Vanquis

[jumper999]

Re: Jumper v Vanquis

Just jotting down some words to send BC.....


I have looked at the repayment option plan terms on Vanquis....and they should have allowed me to freeze the account when I got in doodoo....or given me a payment holiday...anyways......just pulled together some waffling.....for them to read...see what happens..


Dear Sirs,

Thank you for your letter dated the 14 November 2013 in which you advised that you would revert to me in due course with matters raised.

I have now received a response to my Data Request made to the Original Creditor (Vanquis), but they have only sent me 3 pages of lists of transactions and charges.

I have calculated a total of £246.65 has been added in charges and interest on top has also been applied on this figure, which are made up of Repayment Option Plan fees, Late Payment Charges, Over limit Charges, Interest Charges and many more other charges.

Also included in the transaction history notes entries have been made and noted clearly stating that offers of payments that I proposed were declined.

I believe had my genuine offers been accepted when I was suffering genuine financial hardship then this matter would have been settled and resolved many years ago. By adding such a huge amount of charges to the account it took the balance over the credit limit. Then my account was passed to several Debt Collecting Agencies.

I believe that I have been treated very unfairly under section 140 of the CCA Act 1974 from the very first time I informed Vanquis of my financial hardship situation.

I believe that I was mis sold and misrepresentations were made in relation to the Repayment Option Plan too.

I have received a copy of my agreement following my s78 request but it is not the original or copy of the agreement that I had. I trust you will refer these matters to client in order to resolve them as soon as possible.

I would like you to send me evidence where I agreed that Repayment Option Plan could be added to my account. The terms and conditions of the Repayment Option Plan are designed to act as a safety net and can freeze the account for up to 2 years in the event of difficult financial circumstances without incurring any interest or needing to make any payments. Even though I was paying this fee which was added to my account I was never given this option, and Vanquis continued to added charge after charge to my account and took the credit over the limit.

I have written to Vanquis as I have not been sent any copies of statements, and I need to see copies of the original statements as I have had numerous unfair charges added to the account.

If proceedings are issued against me whilst so many important issues are outstanding and unresolved satisfactorily then they will be vigorously be defended under s140 of the CCA Act 1974 (unfair relationship).

If there is any further information that you require please do not hesitate to contact me.

I look forward to hearing from you soon.

Kind Regards

[jumper999]

Re: Jumper v Vanquis

The attachment below is from the terms and conditions in my agreement.... read the part about the ROP....If Vanquis froze my account when I got in to a mess.....then I would not have gone over the credit limit. So, basically I see it....not only did they not comply with their own terms and conditions....but they added charges which took the card over its limits.....this should not be too hard to defend....if they want to issue proceedings against me.

[jumper999]

Re: Jumper v Vanquis

I was reading this post OTR...which made me laugh....


I work for Vanquis Bank and therefore understand the ins and outs of ROP
Repayment Option Plan is an optional feature on the account
to summarise

• You can freeze the account for up to 2 years if:
• EMPLOYED PLAN( unemployed involuntarily, sick disabled or accident which affects your abiltiy to make payments etc...
• the full features are read out over the phone and in the t&cs
• the cost for employed = £1.29 for every £100 on the statement each month
• UNEMPLOYED = £1.19 for every £100 likewise
• You can also take a payment holiday (miss a payment) once every 6 months provided the account is 6 months old and in order

It is not PPI because you can only freeze the account, and so interest wont continue to grow
Insurance is when you receive a payout for a policy. with this you just basically put the account on Pause for up to 2 years whilst you get your life back on track.

Hope that helps!

[jumper999]

Re: Jumper v Vanquis

Response to day from BC....


Dear Mrs


OUR CLIENT: LOWELL FINANCIAL LIMITED
ACCOUNT NUMBER:

OUTSTANDING BALANCE:


We write further to your recent communication, the contents of which we note and we thank you for contacting us.

We have referred the matter to our client, and are awaiting receipt of the documents requested.



Yours sincerely


Bryan Carter Solicitors LLP
11 De Havilland Drive, Weybridge, Surrey KT13 0YP Tel: 0845 219 8686 Fax: 0845 223 5656
e-mail: info@bryancartersolicitors.co.uk