Can’t pay my Vanquis credit card
If you can’t pay your Vanquis Credit Card bill on time, you need to take action quickly. Do not ignore the situation and hope it will go away. Debt has a nasty habit of spiraling out of control.
If your Vanquis Credit Card is one of several loan repayments you are struggling to make, you should consider setting up a Debt Management Plan with a reputable Debt Help Company. We recommend this company because they are leaders in the debt help industry and get excellent reviews.
I can’t pay my Vanquis Credit Card bill, what should I do?
The Vanquis Credit Card is one of several credit cards that is targeted towards people who have had financial difficulties in the past. i.e. People who have a poor credit score. It is not surprising then that many of their clients end up struggling to pay their Vanquis Credit Card bills.
If you have several bills you are unable to pay this month then it is fair to say you have a significant debt problem. It would be wise to seek professional debt assistance from an experienced debt help company. We suggest getting in contact with this organisation, as they are one of the largest in the UK and get many excellent reviews.
Do you have a complaint about your Vanquis Credit Card?
This is what Vanquis says on their website:
We are committed to ensuring that you are completely happy with the products and services we provide. This is why we aim to supply products and services that meet your needs.
We consistently strive to respond to enquiries in a timely, professional and approachable manner and this is why we will always provide:
- Products and services that have been developed to meet your needs;
- Clear and concise information relating to our products and services;
- Highly trained people, committed to ensuring that your enquiries are handled quickly, efficiently and with the utmost respect and level of care;
- Assurance that your concerns will be treated with the utmost urgency to ensure a timely and satisfactory resolution; and
- Assurance that the highest standards will be applied to protect the security and confidentiality of your personal information.
In the event that you need to make a complaint, our commitment is to try to resolve the matter as soon as possible. You can contact us at – firstname.lastname@example.org
If you wish to refer your complaint directly to the Financial Ombudsman Service before we have had an opportunity to consider the matter, it is likely that we will ask the Ombudsman to put the matter on hold and allow us time to review the complaint internally first.
If we are unable to resolve your complaint immediately,
- Fully investigate your complaint and where possible, issue a written summary resolution within three business days – running from the end of the next business day following receipt of your complaint. This will include an explanation of how we have resolved the complaint and your right to refer the matter to the Financial Ombudsman Service and whether we have consented to the waiver of any of their jurisdiction rules.
- If we are unable to resolve your complaint by the end of the third business day, we will continue our investigations as promptly as possible and provide you with:
– a formal acknowledgement of your complaint within five working days;
– contact details for the department responsible for resolving your complaint; and
– our commitment to resolving your complaint as quickly as possible and to keep you informed of any developments.
Vanquis falls within the remit of the Financial Ombudsman Service and in the unlikely event that we are unable to resolve your complaint to your full satisfaction or within 8 weeks of receipt, you may be able to refer the matter to the Financial Ombudsman Service
Do you want to make a complaint about Vanquis Credit Card
You can contact Vanquis Credit Cards in several ways:
Over the Phone
To make a complaint over the phone, please call Aqua on 0330 099 3000
03 numbers are generally included in the ‘free standard rate minutes’ of landline and mobile packages; please check your plan. Otherwise calls to 03 numbers are charged at your standard rate, which is 9p per minute from a BT landline.
Non-BT customers and mobile phone users should contact their service providers for information about the cost of calls.
Call cost information correct as at June 2014.
8am – 8pm Monday to Friday
9am – 5:30pm on Saturday
Alternatively, you can put your complaint in writing and send it to:
Vanquis Visa Card
PO Box 399
The Financial Ombudsman Service
The Financial Ombudsman Service is an external body which plays a key role in the complaints process. The Financial Ombudsman is an impartial and independent organisation formed to help settle individual disputes between consumers and financial services businesses without taking sides.
Taking a complaint to the Financial Ombudsman Service
If Vanquis has not been able to resolve your complaint to your satisfaction once they have given you their decision, you are able to refer your complaint to the Financial Ombudsman. They will only investigate your complaint if you have already tried to resolve it with Vanquis Credit Card customer services first or if it has been more than eight weeks since you first raised your complaint with Vanquis Credit Card customer services.
If you are going to the Financial Ombudsman Service because you are unhappy with the outcome of your complaint, you will need to do this within six months of receiving their final response letter.
You also need to contact the Financial Ombudsman Service within six years from the event you are complaining about (or – if later – three years from when you knew, or could reasonably have known, you had cause to complain).
Contacting the Financial Ombudsman Service
You can contact the Financial Ombudsman Service:
Financial Ombudsman Service
by email: email@example.com
by telephone : 0800 0 234 567
You can contact the Financial Ombudsman Service via an Online Dispute Resolution (ODR) platform that has been created by the European Commission.
The ODR platform will forward your complaint to the Financial Ombudsman Service.
For more information about ODR please visit the European Commission website.
Before you are entitled to go to the Financial Ombudsman Service, you may find it helpful to make use of the FLA’s conciliation scheme to resolve your complaint.
You can write to: the FLA’s Conciliation and Independent Arbitration Scheme, addressed to:
The Compliance Manager
Finance & Leasing Association
London WC2B 6UN
Fax: 020 7420 9600
Vanquis Credit Card – The legal stuff
Vanquis Visa Card is issued by Vanquis Bank Limited. Vanquis Bank can be contacted at its registered office, which is at No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Registered number 02558509 England. VAT number 180555952. Vanquis Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 221156)
+ Information correct as of December 2015.