Hi . Firstly I hope I am posting in the correct forum. Here goes. I have had a Vanquis card which due to charges and interest has now got a balance of £2800. I have been receiving endless calls from IMPACT collections about this. I do not talk tyo them on the phone. I started direct debit from my account last month paying vanquis £40 per month. This is all I can afford. I have checked my account and this has gone through. Today I received a letter whose main heading was "PAYMENT IS REQUIRED WITHIN 72 HOURS" and underneath that heading was - "FAILURE TO PAY WILL RESULT IN A DEFAULT NOTICE BEING ISSUED" What does this mean as I have not defaulted on a payment? They are asking me for a payment of £194.61 which I simply don't have. What do I do please. I also have x2 Catalogue debts which I am paying at £5 and £10 a month. The £5 one is Marasota and I requested a CCA? from them. They sent me a load of statement BUT the signature on the document is not mine. The debt is (they have added so many charges of "12 sometimes 2 in one day) but I don't know how to respond to this letter either. I once spoke to Marasota or reliable collections I think it was and told them that I am terminally ill (which I am) and they are now requiring drs letters and medical letters, I didn't think that they could do this? PLEASE PLEASE CAN SOMEONE HELP ME. I FEEL LIKE MY HEAD IS EXPLODING. I'm getting so down with all the phone calls - some don't leave a number, that my health, already bad is suffering. Oh ok Thanks, Hi . Firstly I hope I am posting in the correct forum. Here goes. I have had a Vanquis card which due to charges and interest has now got a balance of £2800. I have been receiving endless calls from IMPACT collections about this. I do not talk tyo them on the phone. I started direct debit from my account last month paying vanquis £40 per month. This is all I can afford. I have checked my account and this has gone through. Today I received a letter whose main heading was "PAYMENT IS REQUIRED WITHIN 72 HOURS" and underneath that heading was - "FAILURE TO PAY WILL RESULT IN A DEFAULT NOTICE BEING ISSUED" What does this mean as I have not defaulted on a payment? They are asking me for a payment of £194.61 which I simply don't have. What do I do please. I also have x2 Catalogue debts which I am paying at £5 and £10 a month. The £5 one is Marasota and I requested a CCA? from them. They sent me a load of statement BUT the signature on the document is not mine. The debt is (they have added so many charges of "12 sometimes 2 in one day) but I don't know how to respond to this letter either. I once spoke to Marasota or reliable collections I think it was and told them that I am terminally ill (which I am) and they are now requiring drs letters and medical letters, I didn't think that they could do this? PLEASE PLEASE CAN SOMEONE HELP ME. I FEEL LIKE MY HEAD IS EXPLODING. I'm getting so down with all the phone calls - some don't leave a number, that my health, already bad is suffering. Hi . Firstly I hope I am posting in the correct forum. Here goes. I have had a Vanquis card which due to charges and interest has now got a balance of £2800. I have been receiving endless calls from IMPACT collections about this. I do not talk tyo them on the phone. I started direct debit from my account last month paying vanquis £40 per month. This is all I can afford. I have checked my account and this has gone through. Today I received a letter whose main heading was "PAYMENT IS REQUIRED WITHIN 72 HOURS" and underneath that heading was - "FAILURE TO PAY WILL RESULT IN A DEFAULT NOTICE BEING ISSUED" What does this mean as I have not defaulted on a payment? They are asking me for a payment of £194.61 which I simply don't have. What do I do please. I also have x2 Catalogue debts which I am paying at £5 and £10 a month. The £5 one is Marasota and I requested a CCA? from them. They sent me a load of statement BUT the signature on the document is not mine. The debt is (they have added so many charges of "12 sometimes 2 in one day) but I don't know how to respond to this letter either. I once spoke to Marasota or reliable collections I think it was and told them that I am terminally ill (which I am) and they are now requiring drs letters and medical letters, I didn't think that they could do this? PLEASE PLEASE CAN SOMEONE HELP ME. I FEEL LIKE MY HEAD IS EXPLODING. I'm getting so down with all the phone calls - some don't leave a number, that my health, already bad is suffering.