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I have a £2,900 debt with vanquis, I offered them a payment of £34 per month which is the most I can afford (this isn't the only debt I have!) They said this figure was too low but wouldn't tell me what an acceptable offer is! After 3 phone calls I was told i'd have to pay a minimum of £58 per month which I can't do (I have already sent them my incomings and outgoings). I was told the debt would be passed to Impact their inhouse collection agency who would try and recover the debt. I told them regardless the name of the company collecting I still wouldn't be able to afford more than what I had offered. They said the debt would then be passed to an external collection agency who would use "...their own harder methods of collecting the debt.....which would probably include door step collection"


Isn't this against the law for unsecured debts? Do i just have to wait for my account to get passed to someone that will accept my payment and won't I get a default every time it is passed on?


This is my first post so sorry if it's a bit long, I'm just not sure what to do next and if what their saying is right.....Help me!



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This is a classic reason why contact with creditors/DCAs should be kept to writing.


Do NOT phone them again. If they phone you, then refuse to go through the security checks that will prevent them from continuing with the call.


They are not allowed to just "turn up" on your doorstep.


You should make your offer to them in writing, send by Recorded delivery, keep the posting receipts. Check the Royal Mail Website approximately 3 days after posting. You can print off the signed delivery note to be kept with your records.


Do not make a repayment offer that you will be unable to keep to.


When they write to you, you should keep the envelopes the letters come in. Staple them to the back of the letter.


Let us know what the letter says and we can advise how you need to respond.


You will find these companies are not so brave when they have to commit themselves to paper. Where there will be a record of their nasty tactics.


And yes, most of their practices will be against OFT guidelines. But unless you have it in writing, then it will be your word against theirs :(


You can only be defaulted once.


Is this account a credit card ? When was it opened.

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Sorry for my delayed response, my twin sister hasn't been well so I've not been able to make this a priority. All better now though. :)


I sent my financial circumstances to Vanquis and the cheque i sent of £35 has cleared but they're still calling me up. They've sent me a letter saying they have refused my monthly offer and I've now got Impact hassling me for more money. I thought they had to accept any (reasonable) offer and £35 is the most I can afford to make but they are saying it has to be a minimum of £58. I've got all the paperwork they sent me. Do I have to just wait til the debt is passed on to a collection agency that will accept my offer?



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Also, what's the deal with inhouse collectors. I've figured that Impact is part of Vanquis but what are the rules around passing on debts even if its just to inhouse companies, also I heard that a debt can't be sold on if its in dispute. Not really sure what this means and does passing the debt on to an inhouse collections fall under the same regulations. Does this not count as two collection companies pursuing the same debt which i heard they're not allowed to do?



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