Hi, I don't know if anyone can help me but; I have had a vanquis card for 4 years, starting off with the original 250 balance and finishing with over 2000. I never went over 800 and always paid back more than my minimum amount. However about 4/5 moths ago vanquis didn't take my DD. I didn't notice I know this is awful, but I was very ill and 8 months pregnant and still teachin full time, this happened a 2nd month and I received an impact collection letter. Having rung them - told that I had to repay my whole total which was now over 1000 pounds or it would go on my credit rating. I couldn't do this and agreed to pay in instalments. I pay the first instalmet, Money has gone from my account and I assume all okay. When I get my next statement it still has the same total?? Having today recieved another Imapct letter, telling me they are going to recover the balance as I have not paid again - I have ust checked and the DD has not gone out this month. Can they do this, and what rights do I have about payments as they are now saying that I have to pay 200 pounds immediately - I can not pay this as I am oon SMP at moment ? Thanks in advance for any advice.