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I signed up to a credit card with Vanquis bank after receiving an application form in the post. I received the card on the 21st March 2011 and set up a direct debit for the full amount of which I received confirmation of on the 4th April 2011.

The direct debits were processing fine every month until the 4th October when I received interest as well as administration/bank charges on a 6.99 transaction. I checked my bank acount to ensure sufficient funds there were a few thousand in my bank accounts more than enough to cover a measly 6.99.

I phoned Vanquis, they told me the payment was declined by my bank, so I phoned my bank and was told it was not an error with them and to talk to Vanquis.

I have spent hours on hold, then after a staff member telling me "This is your fault, its not our problem if you failed to make payment" we went round and round in circles, eventually resulting in the staff member hanging up on me various times (no I was not abusive)

I finally got through to another member of staff and told her that her rude collegue hangs up on me everytime I call, she agreed that as a so called good gesture she would refund my account but I need to keep on top of my payments in future (HOW RUDE CAN YOU BE!!) I have always made payments on time without fail.

In decided to investigate my Vanquis account and realised 6 months worth of statements had gone missing from my account and there were payments unaccounted for, I called and wrote to Vanquis to ask for the statements and they will not supply me with these statements and refuse to refund monies unaccounted for.

I recently received a response from my bank as below:

I refer to your recent secure e-message regarding a Direct Debit held toward Vanquis Bank under
reference 1134000006809724.

Due to originator error, the payment of GBP6.99 was returned unpaid with reason 'No Instruction' held as it was
requested before the Direct Debit being setup by the originator on your above account
I wish to inform you that the above originator is a member of a scheme called Automated Direct Debit Instruction
Service (AUDDIS).

Under the scheme of AUDDIS, the originator is able to set up Direct Debit on the customer's account without passing
any paperwork to the account holding branch once they have the customer's written, verbal or electronic authority.

On 4 October 2012, the originator had setup the above Direct Debit via AUDDIS. Therefore, I confirm no bank error
involved in this regard. Further, I would request you to contact the originator direct to discuss further in this regard.
I do not understand this as I set a direct debit up in 2011 with no problem until october 2012. This is the latest update and the situation has still not been resolved.

- I have been left with a tarnished credit rating (Due to their mistake)

- I have transactions which cannot be accounted for and they will not supply my last 6 months statements or confirm what these transactions were.

I advise everyone to stay away from Vanquis, especially if in this recession when as a younger person, you will never get credit or a mortgage with CROOKS like Vanquis around. STAY AWAY!!