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Vicky

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All reviews (3)

Review of the Vanquis, Credit Card:

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Gave me credit when few else would but that's the end of my positive experience

After getting into debt after my dad died, my credit rating took a bit hit. At one point I couldn't get credit from DFS for a sofa, or even a normal current account (I had to have a basic account with no debit card). I can't remember how I came across Vanquis but I applied and was accepted. At the time I was thrilled. I set up a direct debit to pay off the balance in full every month so that I would not accidentally miss a payment and end up damaging my credit rating again. After a few months they wrote and offered a credit limit increase. I called up to decline it. A few months later they did the same, but instead of offering the increase they had offered previously, they jumped up even higher, so I called up and declined that again. I believe I now have declined 3 credit increases, and I didn't see the letter for the last one and now have a credit limit which is way over my budget - if I spent that much I'd be properly in trouble. I've written to them complaining but their response was that I was making all the repayments so they weren't being an irresponsible lender. I still feel (particularly on cards for people rebuilding their credit) that credit limit increases should be an opt in rather than opt out but they don't agree. If you want a card which will help you rebuild your credit then it serves it's purpose. Just make sure you pay it off in full every month as the interest rates are really high. Other than that I probably wouldn't recommend them. Reviewed on: 23rd August 2017

Review of the Metro Bank, Current Account:

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Super helpful and responsive

I love Metro Bank. Their long opening hours are brilliant when you only have a short lunchbreak and the entire world seems to want to pay in a cheque at the same time as yourself! I've had to call their 24 hour support phone number on a few occasions and always had helpful people and had my problems resolved quickly. I've even tweeted them questions and they respond quickly via that too. I've always found store staff polite and helpful too and I like the additional services they provide such as the Magic Money Machine and refunding Battersea Dogs & Cats Home rehoming fees! Reviewed on: 23rd August 2017

Review of the Animal Friends, Pet Insurance:

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A-mazing!

Fast payout, great customer service and very affordable prices! Reviewed on: 3rd September 2016

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