I have a Vanquis credit card and

was paying in past but

1 month I didn't check my bank account to see if the direct debit had been paid as usual and

phoned Vanquis and their system told me I had £70 available to withdraw

I assumed money from direct debit was paid and cleared onto Vanquis as I had nothing available until monthly bill was paid

and withdrew money to spend and

a few days later I find out I am in bother with no bill paid 3 seperate charges from Vanquis and now over limit and regular charges added.

I had major health illness at time and didn't have strength to fight it and

Vanquis on phone had told me charges were in my terms and conditions.

End up with about over £300 in interest and charges and Vanquis threatening to close account and start legal action so

I started paying a fiver a month but

very recently I missed one payment as my debit card was lost and

card replaced and Vanquis charge me another £12 for missed payment so I start to complain.

Within 3 weeks I am getting 2-8 calls a days sometimes 4 in a row on both landline and mobile at 8.15am

and all day on different area codes each times and get 2 mobile voicemails lasting about 60 seconds

completely silent throughout and

then I am £10 behind and passed to Moorcroft debt collection who keep hassling me

but for the entire debt over £770 immediately and

I am still in bad health and have started my complaint on charges

but never had or know how much total debt is and they can't provide me any account details

without charging money to provide info and

any debt I had in past I just ignored and no contact or nothing done

but these 2 are getting too much for me and

my health and wanted to raise inital complaint and dispute over unfair charges

and situation and they won't give me the proper time to do what I feel I want to do and it's all gone Pete Tong.

Sorry if I sound a bit daft but I never had this sort of pressure and contact and demands a

nd potential action threatened before and I just need to know if I can do anything and

any advice would be very much appreciated and sorry for long thread and any trouble.

you will not believe the list is so long including area codes which is your area code (That is Provident) for you !

Use harassment letter in library for starters, list all charges i.e. over limit/default/ telecom charges and reclaim them

By the way no doubt you may be/will hear from so called Impact collections DCA = in house monkeys.

CCA moorcroft and stop worrying. Deal with vanquis. They have to accept what you can afford to pay.

Start reclaiming those charges and interest that was gained due to them.

Vanquis are one of the worst cc companies to have a cc with.

time to get an sar off to vanquis

only £10 and gets all the statements.

dx