Vanquis Bank Credit Card Review

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Vanquis Bank Credit Card go to www.vanquis.co.uk
2.3 stars
Average rating for this product is: 2.3 out of 5

From 4 ratings and 62 reviews

Thumb down 40% of users recommend this product

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Guest's Review of Vanquis Bank Credit Card

13th Nov 2009

Overall Rating

1 stars
  • Value for money
    1 stars
  • Loyalty scheme
    No
  • Used card for
    1 year and over
  • Customer service
    1 stars

I accidentley overpaid on my account and when I phoned to ask them to close my account & for them to send me a cheque for the over payment I was told that they would not send me a cheque & I had to spend it on my card. I explained that I had cut the card up months ago & argued for a cheque.

In the end I was rail roaded into them sending me a new card, Unfortunatley I have 2 addresses & accidently quoted the one the card is not registered to. I was then told that I could not have anything until I proved my address. Having no documents for the lesser used address I phoned a few weeks later to try and get through to someone else and give the right address but they said no.

I got put through to an alledged manager after asking 4 times, I explained my situation & that I have the correspondance that they had sent to the original address which was proof in itself he still declined my request. When I told him Vanquis were illegally holding my money I got the reply "If that's what you think" and when asking were they going to hold my money indefinatley "yep" I informed the man that I was going to take this further to which he said "You best go & speak to a solicitor then hadn't you".

A few days later I managed to obtain proof of address documents and phoned to obtain the fax number, I explained to the girl I would fax the documents over & she said it was fine.

A few weeks later I recieved a compliment slip, hand written stating that my documents were not good enough and I had to send ORIGINAL copies of bank statemnts ect. I am not willing to hand over my original documents to anyone.

I have resorted to raising a case with the Fincancial Ombudsman to reclaim my money along with the costs on legnthy phonecalls talking to their incolent staff.

I WOULD NOT RECCOMEND ANYONE TAKING OUT A CREDIT CARD WITH VANQUIS BANK.

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