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  1. I used to have a credit card with Vanguis, and for two and a half years have had all kinds of problems with them. In 2011 my income dried up as a result of government cuts which removed my workstream. I was unable to pay Vanguis as a result; prior to this I had paid my balance in full or near enough every month. I started to receive telephone calls from them up to 10 times each day, and each time they called they demanded money on the spot. The sums varied and every time they called I had to explain my circumstances afresh. Their staff were in general abusive a
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