Vanquis being unreasonable

[babybear39]

Follow the advice given in post #72.

[bangbang777]

Thanks BB, I have already sent a complaint to the FOS, and they have written to me this week saying that they will contact me soon as they are very busy at the moment

[babybear39]

TS and the OFT have more teeth if they're pushed though and quote the OFT guidlines and the CPUTR 2008 to them

[bangbang777]

TS and the OFT have more teeth if they're pushed though and quote the OFT guidelines and the CPUTR 2008 to them

 

Thanks BB,

 

I have received another letter today from Credit Account Recovery Solutions Limited. Vanquis have sold my debt on to another DCA without informing me. Vanquis have already instructed Cabot with this debt. I have sent a complaint to the FOS and I am awaiting for their response. Should I inform the FOS that Vanquis have sold my debt on to C.A.R.S?

 

This is the letter I received today.

HOME AGENT CALL

 

Dear xxxx.

 

 

WE WILL BE ATTEMPTING TO CALL AT YOUR HOME PREMISES WITHIN THE NEXT 10 DAYS TO ESTABLISH REASONS FOR NON PAYMENT OF THE ABOVE ACCOUNT

 

ALTERNATIVELY, YOU CAN AVOID THE ABOVE ACTION BY TELEPHONING 0844 88 00 880 AND ARRANGING PAYMENT WITH ONE OF OUR TRAINED ADVISERS, OR UTILISE THE ONLINE PAYMENT SYSTEM, DETAILS ARE BELOW.

 

SHOULD YOU BE IN DISPUTE WITH THIS ACCOUNT, PLEASE CONTACT US SO THAT WE MAY HELP YOU RESOLVE THIS.

 

Yours sincerely

 

 

My god they have written to me in capital letters. The FOS have logged my complaint, any ideas on what I should do next please anyone?

 

Thanks to all in advance.

[surprise]

I would send them the Doorstep Calling letter. Put copies to OFT and FOS put your reference by the FOS - this will show them that the is a dispute - also send the letter received to both OFT and FOS. If someone doesn't put the letter up for you I will try and look it up for you, I know if anyone has it, BB will.

 

A soon as someone shows they have a financial problem with Vanquis they offload as quickly as possible.

[frettful38]

I was reading this and don't know if this is the letter you needed bangbang777, maybe you need to adjust it to your own circumstances

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/590-letter-used-when-a-dca-threatens-a-doorstep-visit-.html

[babybear39]

You need letter 4 from here:

 

The Consumer Forums - Debt collectors

 

Amend to suit, send recorded keeping a copy with your postal receipt, Print your name do not sign.

 

Report them all to TS and the OFT for using multiple collection agencies.

[surprise]

Fretful - thank you - that was the one I was referring to.

[bangbang777]

Thanks frett, but Cabot are already dealing with this debt and I do not think that Vanquis should have passed this debt on to another DCA.

 

Should I inform the FOS that Vanquis has done this?

[frettful38]

Fretful - thank you - that was the one I was referring to.

 

 

No probs surprise, happy to help

[surprise]

Well if CARS are threatening a doorstep visit then you should still send this as advised. If Cabot have written to you then tell them that Vanquis are subject of a complaint with the FOS - send a copy of the letter to them from the FOS. Also send all paperwork to the FOS and OFT.

[bangbang777]

Well if CARS are threatening a doorstep visit then you should still send this as advised. If Cabot have written to you then tell them that Vanquis are subject of a complaint with the FOS - send a copy of the letter to them from the FOS. Also send all paperwork to the FOS and OFT.

 

Thanks surprise, I will do as advised. Is not the OFT and FOS the same people? I sent my complaint against Vanquis to the FOS, and I will inform them of the letters I am receiving from CARS.

 

I will post them everything on Monday recorded delivery. I have not been contacted by Cabot, I think they know that I have sent a complaint against them to the FOS

 

ta

[surprise]

Wait for Cabot to contact you then send a copy of the FOS acknowledgement letter. FOS is the right place for your complaint to be dealt with but you should also complain to OFT as they are breaking OFT Guidelines on Debt Collection. Whilst OFT don't actually do anything all complaints are logged for any future action.

 

Any correspondence you now receive from anyone should be forwarded to the FOS.

[bangbang777]

Wait for Cabot to contact you then send a copy of the FOS acknowledgement letter. FOS is the right place for your complaint to be dealt with but you should also complain to OFT as they are breaking OFT Guidelines on Debt Collection. Whilst OFT don't actually do anything all complaints are logged for any future action.

 

Any correspondence you now receive from anyone should be forwarded to the FOS.

 

Thanks surprise

[bangbang777]

Vanquis have sold my account to connaught, cabot and now cars, what are they playing at.

[babybear39]

Vanquis have sold my account to connaught, cabot and now cars, what are they playing at.

 

You're on the DCA merry go round.

 

Report them all to TS and the OFT.

[TheLion]

My wife is having problems with Vanquis also. We requested a copy of her CCA from 1st Credit who were originally acting on their behalf. They placed the account on hold until they received the details from Vanquis, but in the meantime...Vanquis passed the debt to CARS to collect. We informed Vanquis (sent copies of letter to 1st Credit & CARS also) that they were in breach of the OFT Debt Collection Guidance:

 

Physical/physiological Harassment

 

2.6 Examples of unfair practices are as follows:

 

a) using more than one debt collection business at the same time resulting in repetitive and/or frequent contact by different parties

 

e) not informing the debtor when their case has been passed onto a different debt collector

 

To date we have only received generic terms and not a proper CCA. Note that the account is post April 2007 also.

[babybear39]

Report them all to TS and the OFT for breaching OFT guidlines and the CPUTR 2008.

[bangbang777]

My wife is having problems with Vanquis also. We requested a copy of her CCA from 1st Credit who were originally acting on their behalf. They placed the account on hold until they received the details from Vanquis, but in the meantime...Vanquis passed the debt to CARS to collect. We informed Vanquis (sent copies of letter to 1st Credit & CARS also) that they were in breach of the OFT Debt Collection Guidance:

 

Physical/physiological Harassment

 

2.6 Examples of unfair practices are as follows:

 

a) using more than one debt collection business at the same time resulting in repetitive and/or frequent contact by different parties

 

e) not informing the debtor when their case has been passed onto a different debt collector

 

To date we have only received generic terms and not a proper CCA. Note that the account is post April 2007 also.

 

Thank you the lion for that information, it is very useful, how far have you got with Vanquis?

[TheLion]

The last thing we did was to dispute two points:

 

1. That the rubbish they sent was an 'executed agreement'.

2. To inform them that my wife has never given them her permission to process her data.

 

Their reply (which came on 03.11.09) to point 1 which sort of confuses me was:

 

"With regard to meeting your request under Section 78 of the Consumer Credit Act. We are required only to provide you with a true copy of the executed agreement. We are not however, required to provide you with a copy of the executed credit agreement between us in the form of a photocopy of that document. Please be advised that it is only necessary for us to provide the "signed copy" of your agreement to which you allude, in a court of law should Legal proceedings be undertaken by us, and not at any time prior to this"

 

...and point 2

 

"In reference to your comments in relation to Section 10 of the Data Protection Act 1998, please be advised that it is our belief that you are not entitled to serve such a data subject notice. This is on the basis that you have already given valed consent to the processing of personal data when entering into the agreement as provided in the data protection notice on the application form and the cards terms and conditions. The processing is necessary for the performance of the consumer credit agreement to which you as the customer are a party and have enjoyed the benefits. We therefore feel that the processing of the personal data was legitimised by more than one of the requirements under schedule 2 of the DPA and the right to serve a section 10 notice does not therefore apply"

 

The rest of the letter states that they have a specialist team who will help if you are in financial difficulities. At the moment we are debating upon what to do next. Hope this helps...there's probably alot of us in the same boat

[kentonfoxall]

Vanquis Bank and Impact collections are just a joke, they do not understand that if you are in financial diffficulty that you cant just magically make money appear as they insist.

I really do think they live in another world, where you just wish for money and it appears.

Of course in the real world this just doesnt happen! I have made them offer after offer and have submitted financial statements, but they always just want what you havent got!

I think its time we all stood up against them and there bullyboy tactics, they should be regulated. And someone should stop them performing in a way which in my opinion is lawless.

Any ideas.?

I have been trying to set up a payment plan with Vanquis for nearly three months and basically I am quite annoyed how long they are taking. I sent a cca to Vanquis in Feb 09 and I opened my account with them online in Oct 08. They sent me back a few sheets of terms & conditions. They admit they do not have a hard copy, or an on screen shot of my application. I applied by ticking the box.

 

My intentions are not that I do not want to pay the debt back, but the interest & charges they are applying are quite ridiculously high. I wrote to them in Nov 08, did not send r/delivery, and asked them to cancel my repayment option plan. They did not cancel and kep appying it. In total I have added late penalties charges made of £12 and repayment options plan payments and all have come to a total of £160. I have asked Vanquis to take this sum off the total I owe which is roughly £650, then I will agree to pay them x amount each month. I have sent them an income & expend form and they can see that my outgoings are more than my incomings.

 

They have agreed to take off £82 in charges off my account and they said they cancelled my repayment option plan last month when they should have cancelled it in Nov 08. All I want to do is sort this mess out a.s.a.p. but I want them to accept they have to take off £160 and not just £82. Any ideas what I should do please.

[bangbang777]

Well since I received a faulty DN and sent them my acceptance of their unlawful repudition I have not heard a word from them and it has been quite a while.

 

Check your Default Notices that Vanquis issue.

[alfwithhair]

Vanquis are just a joke

I am helping a neighbour out with them

She owes 2k to them and since her husband died recently cannot afford the min monthly payment.

I wrote to them with details of her income, offering them £5 per month and asking if they could freeze the interest and penalty charges.

She has not had any pestering phone calls from them or letters demanding money which seems odd.

After 4 weeks they wrote back saying, yes we agree to you reduced repayment of £58 per month and will reduce the interest rate from 2.85% per month to 1.99%

 

Recent statement she received has more charges and more interest

 

I have written back asking what are they on about, but heard nothing back

 

Absolute planks