Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default 2993 Debt Vanquis Credit Card - Need Payment Plan

    Afternoon Everyone.

    I've been reading other peoples threads regarding Vanquis and have come up with good information but have decided to make my own thread to be able to keep track of this and to add to the information hopefully,

    I also have questions.
    This is my only debt apart from my student loan
    it is large and I am worried it will ruin my credit score,

    I would like to get a debt planicon for something that I can afford and then maybe make them an offer when I can to have the debt wiped with no CCJ.

    I owe 2993 with a limit of 3000 as of yet I havent missed a payment since the account was opened in late 2014,
    I have up until 2 August 2018 to make a minimum payment of 151 but that will be dificult..
    I would like to get the account frozen and then work out an affordable way to pay.

    One thing I have read on another thread about dealing with Vanquis that it is wise to pay for a Subject access requesticon for all my statements,
    I think that would be a good idea because my account has always been paperless and the online ones only go back for 12 months..

    I have also noticed that while browsing a couple of them that there are lots of charges every month like;
    Purchase Interest, Cash Interest (But I have never ever borrowed cash against my card), Promotional Purchase Interest, Cash Advance Fee (Again, Never taken cash)

    I have also seen PPIicon being discussed but I'm not sure whether that applies to me.

    What should my steps be to solve this mess,
    Learn from it and eventually move on?
    My printer is at the ready,

    Thanks in advance everyone,

    L.


  2. #2
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    Default Re: 2993 Debt Vanquis Credit Card - Need Payment Plan

    Data Subject access requesticon is now free due to the recent changes GDPRicon.

    https://www.consumeractiongroup.co.u...Access-Request

    Regards

    Andy


  3. #3
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    Default Re: 2993 Debt Vanquis Credit Card - Need Payment Plan

    I don't think there is anyway you are going to avoid a trashed credit file if you don't pay by the due date.


  4. #4
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    Default Re: 2993 Debt Vanquis Credit Card - Need Payment Plan

    Ok so my first call of action would be the Subject Access reuest? I'll get on that now and in the post and keep people updated.


    No talking on the phone right??


  5. #5
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    Default Re: 2993 Debt Vanquis Credit Card - Need Payment Plan

    yes
    yes


  6. #6
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    Default Re: 2993 Debt Vanquis Credit Card - Need Payment Plan

    First of all, Thankyou to each and every one of you that spent time to reply to me with good information on what todo next,

    I have sent my Subject access requesticon to Vanquis Head Quarters (Which correct me if I'm wrong its almost imposible to find on their official website.. Transparity is key people! Ha ha.

    my question being,
    While I've been waiting for some confirmation that the letter was received and also the information is being collacted to be sent back to me is my account frozen?
    I notice my balance has increased by 120 for no reason that I can see..

    Is there a seperate letter I need to send them explaining I can't pay,
    I need to make a payment plan and the account needs to be forzen asap..
    Can you guys help me again please?
    After this I will never use Cred Cards again after this..
    • I will get these debts paid
    • 3 months emergency fund 9rent,bills,living expenses
    • Then working onto Financial Independence
    Thanks again,

    Vanquished.


  7. #7
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    Default Re: 2993 Debt Vanquis Credit Card - Need Payment Plan

    pro rata offer if they freeze int and waive charges
    in the debt collectionicon section of the libraryicon


  8. #8
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    Default Re: 2993 Debt Vanquis Credit Card - Need Payment Plan

    Vanquis Visa Card customer servicesicon
    PO Box 399, Chatham ME4 4WQ


    or


    Vanquis Bank Limited
    No. 1, Godwin Street, Bradford, West Yorkshire, BD1 2SU


  9. #9
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    Default Re: 2993 Debt Vanquis Credit Card - Need Payment Plan

    Thank you both for your help there, I've written and got the letter in the post.. My plan is hopefully pay a direct debiticon of 10 a month or similar? I'm unemployed at the moment and have limited private income, Less than 200 comes into my account per month.


    I'm off to work in Morrocco though in November so I don't know when I will be back into the UK, But will eventually so I don't want a CCJ or whatever on my record? So I was thinking of paying the payment nd then when they sell the debt make the debt collectoricon a lump offer of around 15% say?


    Is that optimistic? I don't want to say too much but I do own property but not in my name. Weird situation maybe but I'm not quite a grown up yet and they didn't teach me anything about finance in school.


  10. #10
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    Default Re: 2993 Debt Vanquis Credit Card - Need Payment Plan

    IF something was sent to the address you are at now whilst abroad would you be quickly notified of it?


  11. #11
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    Default Re: 2993 Debt Vanquis Credit Card - Need Payment Plan

    Yes for sure, I will be in direct contact and be able to email/print and send a letter.


    I'll update when I get a reply from them, Do you think they will sell the debt after awhile?


    Then I can possibly offer a lump sum payment after some extended time.


    It's a shame I've done this, my credit history was just getting as good as everyone else in the area according to Noddle.. But when I pay a percentage payment to the creditor that gets marked as 'Settled' on my credit report right?

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  12. #12
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    Default Re: 2993 Debt Vanquis Credit Card - Need Payment Plan

    Ps, I'm looking at my Yamaha TX81z in its rack right now, So i'm loving your using name.


  13. #13
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    Default Re: 2993 Debt Vanquis Credit Card - Need Payment Plan

    well then i'd let it run
    and no my username is nowt to do with bikes...


  14. #14
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    Default Re: 2993 Debt Vanquis Credit Card - Need Payment Plan

    Synthesizers surely?


  15. #15
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    Default Re: 2993 Debt Vanquis Credit Card - Need Payment Plan

    Thanks for your advice, I will update this thread when I have more to give, You've all been very helpful.


  16. #16
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    Default Re: 2993 Debt Vanquis Credit Card - Need Payment Plan

    I have received a lettericon today from Vanquis, It says nothing of the letter I sent them.. This letter is obviously a response of type because I have never received a lettericon from them before
    (So far I've only missed one months 3 weeks of minimum payments)

    The letter says;

    Expiry of your promotional interest rate

    Dear so and so,

    Your promotianl interest rate expires 1-10-2018 and we want to remind you what will happen to your balence if you dont pay the balance in full before 1-10-18

    The rest is saying now you owe 3104.63 in total and a minimum payment of 410.40 and they are ramped the interest rate upto 19.9% PA

    Wow.. So they obviously got my letter and thought, Lets up his debt instead of freezing it even though i've lost my income and including my budget.

    What do I do now in your opinion?
    Any help is needed because I really need to get a payment plan in place here this is crazy.


  17. #17
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    Default

    Morning everyone,
    I was wondering if anyone had any input on this,

    I have just received a text saying that I ow owe 532.74 this month so they clearly have disregarded my letter and budget sheet.

    Should I make a call to them?

    I just want them to freeze interest, and make a payment plan that I can afford..
    Anyone with any advice?
    I really want to tackle this today its been almost 7 weeks I havent made a payment to them.. I would rather deal with them before they sell the debt.

    My total amount owed now stands at 3200


  18. #18
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    Default Re: 2993 Debt Vanquis Credit Card - Need Payment Plan

    Send the second letter from the DCAicon section of the libraryicon

    1 only now as you've failed to help me

    Ideally when you propose an offer you should start to pay it not await permission



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