Impact Collections AKA Vanquis / Provident

[Hentooth]

Vanquis advertise that they will help you repair your credit history.. And they did help, after a bad business venture 10 years ago, I had a BAD credit rating, whereas my wifes was "ok", dragged back a little by being associated with me, but we both ended up with a Vanquis card, and kept up payments with those and everyone else, and my credit rating ended up being better than my wifes.

 

But last July BOTH me and my wife lost our jobs, but we had some savings so paid EVERY PAYMENT up until Dec 2009/Jan 2010, when that money ran out and having not found new jobs, we decided the only option was Insolvency with the last bit we had left.

 

So 5th Feb we where both made insolvent, but Vanquis Via Impact have HARRASSED us via phone, email and post since, today alone I received SIX phone calls, an email, a text and a letter. I have picked up every call, and the 2 where somebody actually spoke, I told them the county court ref, and they where not interested, I said I am not paying because they have to go to the insolvency service, but ended up losing my temper and hanging up.

 

I have contacted the OR and she is VERY upset with them, I have also sent them the "harassment" letter today and I think the OR may be thinking about whatever action they take when a creditor insists on contacting the debtor after an insolvency.

 

But WHAT a BUNCH OF I even said "I am not going to pay you a penny, so take me to court", and the insistent caller said they wouldn't be taking me to court, that was when I hung up exasperated

[debt4get]

wouldnt even bother talking to them on the phone..just refuse to go through security..what can they do?? they cant hang draw and quarter you... i would write and tell them to contact the official receiver end of..

[Hentooth]

That's the thing, I didn't have to go thru security, the last caller when I went into "do I have to go thru this yet again" mode just asked if I was the card holder, which I confirmed, and she even said she could see on my file that I had been made bankrupt... DUUHHH, that's why I asked her in the end to sue me, I would LOVE them to just to let them waste their money and get so much Egg on their faces.

 

Oh and I did say that it was pointless calling me because I will not speak to them any more.... Damned auto dialer systems

[debt4get]

my only other suggestion apart from blocking there calls, is to start costing them money..hello is that mr H? yes, this is.....dca....one moment please.....put phone on table...walk to kitchen..put on kettle....make tea/coffee....sit down relax and leave them hanging on for as long as it takes them to get bored...once they realise it is costing them time and money they will desist

[Hentooth]

Yup, will do, ta, especially as they are calling my mobile means I don't have to call them at 7p per minute plus network costs, the emails I can divert to the spam bin but won't in case needed for evidence, and the letter almost was binned, but kept "just in case"

[debt4get]

i honestly found once it started costing them money and time they soon, (well i say soon in my case it took the idiots about 3 weeks to get the message,) get the idea that it is a waste of time ringing..plus the added bonus..when they hanging on the phone they cannot be bullying anyone else...so you are getting both these advantages out of it

[Hentooth]

A little addendum, Provident (Vanquis parent company) have been send me, my wife, my daughter (20 but don't live here no more) and my 16YO son offers for loans.

 

Normally we bin these things, which means it only cost them to send it to us, but I fold it all up original envelope as well and make sure it WON'T fit thru the "letter" PO slot, put it in their reply envelope and post it in a normal post box so it's not measured or weighed and they get to pay lots more to get it all back..... They sent to me and the Mrs to begin with, two of those sent back stopped them, then my son, that has stopped, and I just sent the second one for my daughter.

[debt4get]

excellent...must try that one myself

[Hentooth]

i honestly found once it started costing them money and time they soon, (well i say soon in my case it took the idiots about 3 weeks to get the message,) get the idea that it is a waste of time ringing..plus the added bonus..when they hanging on the phone they cannot be bullying anyone else...so you are getting both these advantages out of it

 

It HAS to be my way to go, pick up, say "hello", get the 1/3 call rate reply and say "can you hold a sec" and put the phone down somewhere while you I dunno Brush your sheep, wash your cow, arrange your toothpick collection or summat LOL

[Hentooth]

excellent...must try that one myself

 

Make sure it's as bulky as possible, the one I sent yesterday wobbled like a weeble it was so wonky, opposing diagonal corners stuck right up, so I challenge any normally right minded postal worker who flattens peoples post to fit the SLOT to get that b*gger thru LOL

[debt4get]

i can just imagine the postal worker jumping up and down on the package, sweating and swearing..I'll get this bu**er through if it kills me"

[Hentooth]

hehehe, they'd be red faced, 'cos that last one if it was flattened would've annihilated the envelope.. Can I end that on a Evil Maniacal deep laughter

[diddydicky]

sounds good but to be honest they wont give a flying **** if it racks their phone bill up

 

they will take solace in the fact that you then cant use your mobile .They will also KNOW that you are acting out of fear

 

 

also if you have family or friends around it wont look too clever!

 

answer the call - refuse or give false security details The favourite is to give a false DOB and then when they challenge it simply state "well i think i should know my own date of birth, dont you)

 

THEN after 2/3 attempts they will stop the calls as they know they cant get anywhere

 

a cheap recording device from maplins would be useful if you want to go that far

 

otherwise if you can afford it truecall will kill their calls dead (blackbaler from online for about 7 quid for mobiles)